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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, SS XXXX I am looking over my credit report and I found addresses that do not belong to me that need to be deleted from my credit report. Please delete remove the following unknown addresses from my file : XXXX XXXX  XXXX XXXX XXXX XXXX  TX,XXXX  XXXX XXXX  XXXX XXXXTX , XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX,XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The following phone numbers do not belong to me please delete them : 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 My name is XXXX XXXX XXXX please delete any other variation of my name.
Product: Credit card or prepaid card

I'm being charged a {$5.00} dollar fee every month for a credit card that I don't use. I'm not sure why this charge has been added to my account. I have been making this payment for sometime now and would like to have it removed from my card activity and reimbursed for the charges dating back to when it was added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested both the credit Burure and XXXX to reinsert the following XXXX XXXX account with its payment history. 

It appears that XXXX has maliciously inteneded to purposly erase good payment history while reinserting old accounts that have been deleted by both themseleves and reinsert a XXXX account that was already deleted. 

Below is the account they have intentionlly deleted from my payment history to cuase damages.
Product: Mortgage

Nationstar Mortgage in XXXX, Texas extended an offer to give me a Loan Modification. I accepted this offer. I was current on my mortgage when the process began. The letter they sent said the trial period was 4 months long. The letter said if I sent more money than the trial amount it COULD ( NOT WOULD ) affect the trial. I was never told it would cancel the trial. They extended the trial by a month, did n't tell me. Cancelled the trial, without a letter. Sent me a letter telling me I 'm late on my mortgage now by {$2600.00}. ( I was current before the trial began ). Now I 'm in danger of losing my house. They are blaming the government for this. Saying it 's all because I sent {$25.00}. extra instead of the exact amount.
Product: Credit card or prepaid card

I have been hit with a {$710.00} deferred finance charge from XXXX   XXXX  ( XXXX preferred card ) on XX/XX/2018. 

According to the finance company, unfortunately the charges were incurred by a deferred payment method, which to my surprise is an extreme charge compared to my pre finance charge balance of {$400.00}. 

I need help with this account, if need be I can pay down the entire {$400.00} in order to avoid long and unnecessary commotion with comenity bank and then settling the account for {$200.00}. 
As a consumer, I am obligated to pay the balance down but when I get charged such an immense amount for finances, especially when you dont expect and have finances for it to be paid, there is only so much that we can do.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaint regarding the unresolved negative accounts on my credit report. Despite multiple disputes, these issues remain unresolved, causing significant concern and negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! XXXX XXXX plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been XXXX days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Product: Debt collection

National Collegiate XXXX XXXX Trust XXXX is a debt collector attempting to collect a unknown debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format formateignoring to report. 

Dsnb Macys Account ID : XXXX The account is incomplete. The complete and itemized listing of the dates for these accounts was never provided. I am having trouble getting them from the original creditor. 
Inaccurate Information. Section 623 ( a ) prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. 
Duty to Correct and Update Information. A furnisher that regularly furnishes information to CRAs is also required to notify a CRA if it has determined that previously furnished information is not complete or accurate and to correct that information. 
If a financial institution that extends credit and regularly furnishes information to a nationwide CRA furnishes negative information to the CRAs about a consumer credit extension, it must provide a clear and conspicuous written notice to the consumer indicating that it furnished negative information to the CRAs. The notice must be provided to the consumer no later than 30 days after furnishing the negative information. 
If the furnisher determines that the information it provided was incomplete or inaccurate, it must notify all nationwide CRAs to which the information was furnished of its findings.26 Finally, if the furnisher determines that the disputed information is inaccurate or incomplete or can not be verified, the furnisher must promptly modify or delete the information or permanently block the reporting of that information. ( Furnishers ' Investigation of Disputes Filed with CRAs : 623 ( b ) ) Please see attached documents of proof of me sending the letter to the agencies. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates XXXX. 

It is very serious that you please investigate and resolve as this is injurious to my character and is obstructing my potential to obtain mortgage.
Product: Debt collection

I am writing to dispute an item on my credit report that pertains to LVNV FUNDING LLC. Despite diligent monitoring of my credit history, I have never received any notification within the legally allotted time frame regarding any debts owed to this collector or the original creditor. This lack of communication has deprived me of the opportunity to contest or settle any purported debt. I have not nor do I have knowledge of the {$630.00} credit/loan debt with this company. I have sent in letters to the above company to resolve this amicably prior to filing a complaint. This was over 90-days ago as of XX/XX/year>.
Product: Debt collection

On XX/XX/22 I, consumer recieved a letter from CREDIT COLLECTION SERVICES demanding {$460.00}. As a consumer I have the right to request documentary evidence to VALIDATE this alleged debt. I am requesting a debt validation under the Fair Debt Collections Practices Act pursuant to 15 USC 1692g and a cease and desist notice pursuant to 15 USC 1692c ( c ).
Product: Credit card or prepaid card

have been a Nordstrom customer for more than 10 years and a Nordstrom credit card holder since 2015 this past week they restricted my account and asked me to send a copy of my Drivers License, SS #, Utility Bill which I complied, Today I called Nordstrom Card Services and talked to a really rude lady to tell me whoever reviewed my documents can not verify them this is something I have never heard before at the beginning of this month I applied for the XXXX Card and they asked me to scan my license and verified on the spot how a person can not do the verification with the documents on hand? 

This has been one of the most frustrating experiences I have ever had with a credit card account and they are really rude and not even attempting to help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my report and I noticed that there was some fraud accounts listed on my report I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. An FTC report was filed. 

XXXX - Account XXXX # XXXX XXXX. XXXX - Account XXXX # XXXX XXXX. XXXX - Account XXXX # XXXX XXXX. XXXX - Account XXXX # XXXX XXXX. XXXX XXXX XXXX - Account XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX - Account XXXX # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX - Account XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Transunion has my score at XXXX, XXXX XXXX, and XXXX XXXX. 

They all have the same info, what is the problem with Transunion
Product: Credit reporting or other personal consumer reports

I am requesting that the account status of XXXX XXXX XXXXXXXX XXXX XXXXXXXX be changed to CLOSED. This account is closed. The information is inaccurate on my credit reports.
Product: Debt collection

Seterus continues to harass me and while I have asked for legal verification of their role as a servicing company to my mortgage and also legal documentation of Fannie Mae 's ownership of the loan, they have provided neither. I 've received hundreds of pages of documents and the only related thing was from XXXX which XXXX does not own the loan and also was n't able to provide the same documentation I 'm asking for now.
Product: Checking or savings account

Bank of America XXXX XXXX XXXX is requiring me to pay for medical expenses that they have been reimbursed for. They withholding my access to capital. This card can only be used for medical expenses. They are too aggressive with their requests. All of the request are AI generated strong are tactics.
Product: Credit reporting

Did not investigate and report properly, I have been disputing this file/account for 6 months. Reporting high balance at {$3800.00} Reporting Recent balance at {$3900.00} how can the recent balance be more than the high balance. 
where is the last payment made reported? 
1st date of delinquency 1st major time of delinquency
Product: Debt collection

This companies phone tactics is causing extreme mental and financial hardship to us. We have made the company aware a few years ago not to call us between the hours of XXXX due to work. We made this clear this was an inconvenient time to discuss any business matters. Once the account is not even past the grace period, they beginning their methods by calling once for the first 2 days, then twice a day, up to and including 3 times a day. Just in the last few days, this is the illegal trend they have been doing which is far beyond the 7 calls in 7 days. This is harassment and needs to stop. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I know tomorrow will usually be when the three calls start. This type of activity they are doing actually drives me not to pay the account as this is causing undue stress. Please help make this illegal harassment stop.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3500.00} XXXX  - XXXX - XX/XX/XXXX - {$1900.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I initiated a withdrawal on XX/XX/XXXX from Coinbase Inc. I  received an email once I made my withdrawal, saying : " On XX/XX/XXXX at XXXX PST, you initiated a withdrawal of {$640.00} ( + {$25.00} banking fee ) from your USD Wallet. 

{$640.00} will arrive in your bank account by XX/XX/XXXX. 

Withdrawal reference : XXXX '' The money did not show up on the XX/XX/XXXX. I called my bank asking if there were any pending deposits, and they said there was not. 

I contacted Coinbase support on XX/XX/XXXX via email. I send an email the the addresses XXXX,  XXXX, and XXXX. Turns out I mistyped wiresupport, and the email address is XXXXXXXXXXXX. However, the other emails were valid. In response to this I received an auto generated message saying my report was received. 


No worries, I corrected that and send another email on XX/XX/XXXX to the addresses XXXX, XXXX. This is what I put : " 'On XX/XX/XXXX at XXXX PST, you initiated a withdrawal of {$640.00} ( + {$25.00} banking fee ) from your USD Wallet. 

{$640.00} will arrive in your bank account by XX/XX/XXXX. 

Reference number is : XXXX ' I typically send money to my savings account, but this time I sent it to my checking account ( ending in XXXX ). I called XXXX XXXX and they said that should n't be a problem and the wire should still go through. 

Please resolve this. {$650.00} may not seem like it 's a lot but it 's a lot to me .... : ( " Turns out XXXX is not a valid email either. Since then I have not received anything besides an automated response from Coinbase with nothing in regards to this. Just a typical Coinbase auto email.
Product: Credit reporting or other personal consumer reports

MY CREDIT SCORE WAS LOWER DECREASED FROM A MISTAKE REPORTED TO ALL 3 CREDIT BUREAUS XXXX EQUIFAX,
Product: Debt collection

I was contacted by a debt collector for an owed telephone bill for XXXX. I agreed to pay the amount in order to have the collections account removed from my credit report. The debt collection agency agreed to these terms but specified that I had to pay the entire owed balance. Upon paying the entire balance in one lump sum, the company did not keep its part of the agreement. The company put the collection on my credit, and just marked it as paid. I contacted them again and the representative told me they could not locate my account because it was paid. I asked why it wasn't removed as agreed, and she stated that they do not remove collections. It was a trick to get me to pay the full amount. 
Receivables Performance XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ( phone )
Product: Credit card or prepaid card

For Fortiva Card Services, this debt was settled via my representative XXXX XXXX XXXX. The credit card debt with Fortiva MastercardXXXXXXXX XXXX XXXX XXXX is still showing a balance owed, even though the debt was negotiated and settled/paid. The balance on my credit reports is showing {$1700.00}, but at the time of settlement negotiation, the balance was only {$610.00}, and an agreement was reached to settle the account for {$330.00}. An ACH payment was submitted totally {$330.00}. Here is the payment information : Payment ID # XXXX ; XXXX # XXXX ; Amount {$330.00}. Payment was submitted via XXXX XXXX XXXX. I have sent a certified letter to Fortiva om XX/XX/2021, requesting they correct the account on my credit reports ; the balance should be zero. The letter was delivered and signed for on XX/XX/2021. I'm requesting the account be deleted from my credit reports. I have not received a response. A copy of the debt settlement email is attached and a copy of the certified letter sent to Fortiva is attached.
Product: Credit reporting or other personal consumer reports

Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX XXXXAccount Number : XXXX **Amount : $ XXXX **Date of Account : XXXX
Product: Mortgage

I had a home mortgage with SunTrust/Truist that I refinanced with another bank. The refi closed on XXXX and the funds were received by Suntrust/Truist on XXXX. I had an escrow balance at closing of {$4300.00}. My understanding is that they have 30 days to return this money to me and they have not. The loan information is not longer available on their mortgage portal ( I have another loan with them and I see that one when I log on but the not refinanced one ). I have tried calling into their service center and have spent over an hour on hold each time, never succeeding in getting through to anyone. I have submitted an online message through their portal as well and have not heard back. I am concerned this huge corporation is slow-paying the return of my money and that this violates the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/year> EQUIFAX Dear XXXX, Re : Dispute of Credit Report Error - [ SECURITY CREDIT SERVICES ] I am writing to formally dispute an error on my credit report. After reviewing my report, I have identified an inaccurate entry that I believe requires correction. Below are the details of the error : Disputed Item : [ SECURITY CREDIT SERVICES ] Issue : [ NOT MY ACCOUNT. ] Reason for Dispute : [ NOT MY ACCOUNT ] I kindly request that you investigate this issue and update my credit report accordingly. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my report that is incomplete or inaccurate, and I would appreciate your prompt attention to this matter. 

Please inform me of the outcome of your investigation. If the dispute can not be resolved in my favor, I request a detailed explanation of the findings. I have enclosed copies of supporting documentation for your review. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the correction or resolution at your earliest convenience. 

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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX