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

There are Accounts and inquires on my credit report that do not belong to me. I need these items deleted from my file. The inquiries that do not belong to me are, XXXX, XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another XXXX XXXX XXXX The fraudulent accounts that I need deleted are XXXX  ( i looked this place up and i can not even fit anything in this store ), XXXX, XXXX and XXXX XXXX XXXX There are also multiple student loan account and all reporting late payments when I only have 1 student loan and I have never ever been late on any payments in my life. Also with the new laws and thing going on with the covid and hardships the student loans are not suppose to negatively affect credit reports. I have enclosed. I did not make these charges and I ask that these items be deleted as soon as possible to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission, and I have included copies of my Federal Trade Commission Identity Theft Affidavit. Please delete these items and correct my file as I am trying to purchase my house, I have been living in for the past 15 years The only thing stopping me is the inaccurate accounts and inquires listed on my credit report.
Product: Mortgage

My hazard insurance renews this month, and I decided to change carriers. I advised Suntrust Mortgage ahead of time of my decision, had my new carrier provide all of the required information to Suntrust, and advised Suntrust NOT to pay my old carrier. Suntrust ignored my request and paid my old carrier anyway. Now I 've got a policy I do n't want, a new carrier who has n't been paid, and Suntrust refuses to help me. I want the premium they disbursed to the wrong carrier refunded to my escrow, the correct carrier paid, and some sort of compensation paid to me for all of the time I have had to spend trying to unravel this mess they 've created.
Product: Credit card or prepaid card

I opened the Gold Delta American Express card with the intentions to get a {$200.00} credit on my purchase with Delta. 

I made my purchase with Delta and They will not issue the {$200.00} credit to my account.

This is clearly false advertisement from both Delta and American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 listed below : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX , CA XXXX XX/XX/XXXX, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX . ) XXXX Balance : {$510.00}, XXXX XXXX XXXX XXXX Balance : {$3500.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Debt collection

The only time that i have ever had a Nordstrom account was in XXXX when i was married but my name was never on the account.. That was my husbands.. I recently had my credit pulled and i noticed a Nordstrom account that was listed as having 5 late payments in XXXX. I have never owned this card and am having a difficult time getting it removed from my credit report. Please assist me in getting this account removed from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist and Dispute of Debt Collection Reporting To Whom It May Concern, This letter serves as a formal dispute of the debt you are attempting to collect and as a notification that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), to request that you cease all further communication with me regarding this alleged debt. Additionally, I am disputing the accuracy of the reporting of this debt on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ). 

The debt in question is as follows : 1. Account Name : XXXX XXXXXXXX XXXX Amount Alleged Owed : {$28000.00} Request to Cease Communication Under 15 USC 1692c ( c ), you are hereby notified to cease all communication with me regarding this debt. Any further communication, other than those allowed by law, will be considered a violation of the FDCPA and subject to legal action. 

Dispute of Debt and Reporting I dispute the validity of this debt and the accuracy of its reporting on my credit report.

The Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), requires that credit reporting agencies maintain maximum possible accuracy in their reporting. If you can not provide verifiable proof that this debt is valid and belongs to me, it must be removed from my credit report immediately. 

Action Requested Provide Validation : Send me documentation validating the debt, including the original contract and payment history.

Cease Communication : Cease all further attempts to contact me regarding this debt as per 15 USC 1692c ( c ).

Update Credit Report : If the debt can not be verified, remove it from my credit report and confirm in writing that it has been deleted.

Please consider this letter a formal dispute under both the FDCPA and FCRA. Failure to comply with these laws will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your immediate attention to this matter. I look forward to receiving your response within the timeframe required by law. If you need further information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Our home mortgage was transferred to a company called " Selene Finance '' located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Texas XXXX, XXXX, XXXX XXXX. XXXX. 

In XXXX 2020 there was a bad hail storm and we had alot of damage to our roof which required replacement. We contacted our insurance company, XXXX XXXX, who began processing our loss. We contracted a roof construction company, XXXX XXXX XXXX XXXX, XXXX. 

We arranged a construction date and notified Selene Finance of our situation. We then paid the roofer the initial deposit. Because the second check was made payable to my husband and myself AND Selene Finance, we signed the check and sent it for Selene 's processing which we eventually was able to give the new Selene Finance check to our roofer, but we did not receive the final payment for the roof at this time. We requested final payment based upon inspection of good/complete work done. 

To date ( XX/XX/2020 ) we have not received final payment and our roofer still has not been paid for the final payment XXXX {$7500.00} XXXX. We know XXXX XXXX paid Selene Finance on XXXX XXXX, 2020, for this amount, but Selene Finance will not release these funds to us. We have tried and tried to communicate with Selene Finance but we are told " the check is being approved '' which has been going on for over a month. No one seems to be able to help us expedite payment to our roofer. 

We appreciate any assistance you may offer to help us complete this transaction. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX
Product: Student loan

In XXXX, XXXX enrolled me in a permanent rate reduction program that set my interest rate at 1 % because I am unable to make the normal monthly payments. Since then, my monthly payments have ranged from {$1000.00} to {$1000.00}. In XX/XX/XXXX, I received an email from XXXX notifying me that my loans would transition from XXXX to Mohela for servicing. Later in XXXX, on the XXXX, I was informed that my rate reduction program would be expiring, and my payment would increase. 

I have relied on XXXX 's permanent rate reduction program since XXXX, as it has been the only way I can manage payments on my balloon interest student loans. I was unaware that these loans accrued interest daily while XXXX XXXX XXXX XXXX
Product: Consumer Loan

I have a car lease with the finance company of Mercedes Benz. To collect the Missouri Property tax, M-B finance company sends a letter indicating you can pay by check or credit card. You must call the company to pay by credit card. When you call, M-B Financial tells you that you can not pay by credit card and that your payment will be transformed into a cash advance. 
This immediately hits you with a 2 % to 5 % fee and interest charges with no grace period at up to 24.99 %. A credit card charge usually costs me nothing and I get frequent flyer miles if I pay charges within 30 days. 
Sometimes agencies like the US Government tack on a convenience fee of 1.8 % to 2.25 %. The bait and switch policy of M-B Financial would cost cost the consumer XXXX as a cash advance than a normal credit card charge. This appears to be fraud as I can not pay the required payment by credit card but only by a cash advance. It is an unfair, and misleading policy if not outright bait and switch and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDXXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. US DEPT OF EDXXXX be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and US DEPT OF ED/XXXX. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. US DEPT OF EDXXXX, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.
Product: Checking or savings account

Two weeks ago my husbands account was restricted for no reason and now mine was restricted. I filed a dispute after going through my transactions for taxes when I noticed a double charge that never fell off. That was XX/XX/XXXX2025 it is XX/XX/XXXX and woke up to a restricted account at XXXX to now closed at XXXX once I called to speak with someone. SoFi restricted my account originally on XX/XX/XXXX at XXXX and immediately unrestricted at XXXX with me having to call and now this. And again NO REASONING! I feel like they are goingXX/XX/XXXX for tat. Someone previously said their account was restricted and unrestricted but then everyone in their house or sent money to that had SoFi account was either closed or restricted as well.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing again some fraudulently obtained information from my credit file, but there is still something I provided along that has to be removed. Credit Bureaus are required by FCRA section 605 to remove any items that are listed on an ID THEFT REPORT. This report was included in a previous letter, which I am including again out of initiative. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX : {$560.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

2 years ago we placed a freeze on our credit with the three agencies ( Transunion, XXXX XXXX XXXX ).  Since then we have lifted the freeze for a short window with XXXX XXXX XXXX. Yesterday we were asked by our bank to lift the freeze with Transunion. We called and spoke to Transunion and they said the freeze was lifted until the following Friday at XXXX. The charged our credit card their required fee. 

The bank still could not get a report. Transunion kept asking them for OUR pin number. We called Transunion again and they said we would have to pay again to have it lifted. Not wanting to jeopardize the load we again paid and have credit card receipts showing the 2 payments. The bank was still unsuccessful in getting a credit report even using our pin numbers. 

These are the people that we entrust with our most personnel information and they demonstrate incompetence. It will be too late for us, but please stop this from happening to anyone else.
Product: Checking or savings account

This is in response to the complaint I filed : XXXX about Capital One. Capital One has frozen my bank account and I have no access to my money. I haven't eaten in five days as a result. I am about to die of starvation. By the time Capital One clears up this case I will probably be dead.
Product: Checking or savings account

I visited a Chase branch for my direct deposit information on XX/XX/2019. The branch is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. A chase representative by the name of XXXX XXXX printed out the information. The very next day, I provided the information to my employer not knowing the account information was incorrect. A few weeks later when it was time for me get my check, I was notified by my employer the reason for non-payment in the amount of {$380.00} via XXXX XXXX, the bank account information provided to me by my bank was actually someone else account number. I immediately called chase to file a claim on XX/XX/2019 with the claims department the representative advised me the claim would take anywhere between 1-2 business days to complete.I called chase bank back on Tuesday, XX/XX/XXXX for an update- during that call I was told I needed a letter of indemnity. I asked for a manager while on the call and was denied the opportunity to speak to a manager due to ( the manager was in a meeting per the employee ). My employer sent the letter for the claim number that was provided via the claims department. On XX/XX/2019 my employer attempted to void the deposited payment. However, Chase deposited the funds in the wrong account number and was not compliant when my employer kicked the funds back. 

After the letter was sent I spoke to the claims department again on XXXX XXXX the and was transferred to a representative from the ACH department who informed me the letter of indemnity was not received by my employer. That was incorrect because my employer sent the information to me. The representative informed me the letter had to be sent from the original bank of the company I worked for ). As requested, I reached out to my employer to have the payroll department to reach out to the original bank, " XXXX '' that was completed on my behalf. 

Shortly after I felt as if I was not being heard and was no important because the amount was such a small amount to a company such as Chase. I have tried on numerous occasions to obtain my funds from Chase and be compliant. I have provided Chase with everything they asked of me and here it is XX/XX/XXXX ( 5 months later ) I still have not received my funds. Attached below is the letter of indemnity that was sent to Chase from my employer. Thank you!
Product: Mortgage

Specialized Loan Servicing ( SLS ) failed to properly notify the Nebraska Homeowners Assistance Fund ( NHAF ) of an increase in my mortgage payment, leading to partial payments and potential future delinquency. This complaint is made under the relevant consumer protection laws and mortgage servicing regulations. 

**1. Statement of the Problem : ** SLS notified me on XX/XX/XXXX, of a mortgage increase from {$1500.00} to {$1700.00}, effective XX/XX/XXXX. However, they failed to inform NHAF through the required secure channels, despite their responsibility to do so. This omission has resulted in NHAF making only partial payments, XXXX, XXXX and XXXX, XXXX, jeopardizing my financial stability and potentially leaving me in arrears after my program participation ends in XXXX, XXXX, when final payment will be made and I am exited from the program. 

SLSs failure to notify NHAF not only demonstrates willful negligence and inadequate loan servicing but also raises concerns about predatory practicesm I have been experiencing with SLS for many years now. Including an incident where a representative of SLS, came to my door and called me " a XXXX XXXX XXXX '' in response to my questioning his intent. 
As a XXXX, XXXX XXXX  and XXXX veteran homeowner, I have years of neglectful servicing by Specialized Loan Servicing to know beyond a reasonable doubt that this oversight is part of a broader pattern of discrimination aimed at leading to foreclosure.
Product: Debt collection

My husband and I were victim of fraud and loan sharking from the XXXX  pace program  and RENEW FINANCIAL. In XX/XX/XXXX, we met with a contractor  representing XXXX for a roof and hurricane-proof windows and doors installation. 1 ) The financing company sent a couple of documents to me ; I was in disbelief finding out that our incomes were purposefully inflated. I specifically told the XXXXRenew Financial contractor that my husband was not working at the time. In the document it states that my husband makes {$45000.00} when in reality he made {$9100.00} total for that year and he puts that I make XXXX when in reality I make around XXXX. 2 ) On XXXX XX/XX/XXXX he quoted us {$9000.00} for the hurricane proof windows and {$12000.00} for the roof. We made him wrote and sign on the agreed price. After both projects were completed, we were asked to sign that the project were indeed completed. At that time we brought to his attention that the prices were significantly inflated and that's not what we agreed on. He stated that there will be a " change order '' with the agreed price and that those were not the real numbers. And that we needed to sign in order for the XXXX and Renew Financial to release the funds. There was never a change order. Not to mention we were never told the interest rate. All that was said is that it is base on credit and not to worry, since it is a government program, the interest rate are usually low. 3 ) We recently tried to refinance our house only to find out that TWO liens were placed on our property one for XXXX for the windows and door ( Renew Financial ) and one for the roof for XXXX ( XXXX ). Both for 25 years. We were never explained the term of the loans, nor did we agree to have two liens place on the house. Have we known the fact we wouldnt have move forward with both projects. 4 ) I do not recall signing those documents on docu-sign. When I called XXXX  and Renew Financial, they did not even have my email. They had my husband email. And my husband and I went through the emails we did not received the initial papers that require us to sign and initial that we know what we are getting ourselves into. We did however receive documents after completion for XXXX  and Renew Financial to release funds. XXXX and Renew Financial are pure fraud and loan sharking. and I know it is illegal.
Product: Debt collection

On XX/XX/XXXX AARGON AGENCY INC was contacted twice over the phone to provide -Debt validation letter -Purchase agreement When contacted they refused to provide both and instead asked for personal information. When that was not provided they were as to find account with account number and refused. On both calls individuals spoke over consumer and hung up phone mid conversation without attempt to resolve issue or validate debt. 

Account number XXXX Was flagged as fraudulent and previously reported to CFPB but AARGON AGENCY INC failed to investigate or send correct information. Following the disputes and phone calls company has still failed to provide all requested information intimation Such as Agreement that grants the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

I am also requesting Copy of original contract with my signature Copy of payment history Name and address of original creditor Proof of collection authorization The means of which this information was VERIFIED and VALIDATED
Product: Mortgage

- Loan sold to this " collection agency '' ( not mtg holder, collection agency ( - website does not provide this info - requested info on XX/XX/XXXX - info came from unidentified system, to spam filter on XX/XX/XXXX - link expired on XX/XX/XXXX with no portal to retrieve - requested again on XX/XX/XXXX ( told to use website, which is unresponsive, does not work )- have not received info - unable to pay XXXX XXXX through same means as before : site does not load pmt page
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX Credit Agency for over 2 years with same problem I have provided documents to XXXX. They have my died father information on my credit report like his 4 credit cards and also his name listed on my credit report I have told them to remove his name off my credit report plus they have several address that are wrong on my credit report
Product: Vehicle loan or lease

I received a loan from credit acceptance and they repossessed the XXXX XXXX XXXX XXXX then they sold it and charged us for the loan, After they set me and my wife up for failure, this was a con by Credit acceptance.