23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX, I closed on a mortgage that was serviced by Specialized Loan Servicing ( SLS ). At the closing of the loan, I paid {$6000.00} from my own funds towards property taxes. This is clearly recorded on the HUD, and I have the receipts from the county tax office showing the payment was taken from my funds and mailed out by the title company. I also paid {$1300.00} to set up escrow with the servicer SLS. 
A year later SLS sent me a escrow analysis claiming they had paid the XX/XX/XXXX property taxes from escrow and that I now owed them {$4600.00}. I spent 8 months writing letters and making phone calls trying to get them to correct this mistake. I sent them the HUD statement, receipts from the tax office, wrote letters detailing their mistake. Finally, they made an adjustment to my escrow in XXXX of XXXX. Around that time, they refunded some of the money they had collected towards escrow and told me to wait until the new analysis. They also reduced my payments from a higher amount, which I was forced to pay to not foreclose. 
In XXXX of XXXX, I received a 1098 not showing the correct amount of property taxes paid. I called and asked them to fix it. Even though the representative acknowledged the mistake, she said she couldnt fix it. I put the correct amounts on my tax forms and inquired with the IRS about what to do in these situations. IRS rep told me SLS is required to fix and provide a correct 1098, but, to this day, they havent. Then, SLS sent me another escrow analysis, still with totally incorrect numbers that were not fixed. Instead of going back and fixing the error from the beginning, they just put a random amount as credit towards escrow. I called and request that they go back and do the works so the numbers represent the actual payments. The representative pretty much laughed at me and said they wouldnt do this. All I am requesting is a correct escrow statement representing the real payments and not some patched together statement with made up numbers. Also, it would be great if they could give me a correct 1098 for XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to meet its legal responsibilities under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, citing systemic issues such as failing to forward evidence provided by consumers to furnishers, accepting unreliable responses, and neglecting to properly notify consumers about dispute outcomes. These failures mirror my own experience, as Experian has neither corrected nor removed the disputed information from my credit report. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter to CONTINENTAL CR XXXX notifying them that my XXXX  credit report showed an unauthorized hard inquiry they had made on XX/XX/2020 and that I was not aware of this inquiry. I requested that the inquiry be removed immediately as this inquiry has been cited as a reason for me not receive credit. I also sent a copy of my credit report showing the inquiry.
Product: Student loan

So the problem is that the Sallie Mae / XXXX customer service people call me XXXX times a day before my payment is even due. My due date is XX/XX/XXXX and just today XXXX/XXXX/2015, I received XXXX calls with the last one being the infamous XXXX XXXX message. I ca n't understand why they are harassing me when I 'm current? I have spoken to several supervisors including XXXX XXXX and XXXX but neither were helpful not to mention they were the worst customer service people I have ever dealt with. I thought easy lending with aggressive collection practices were a thing of the past? Sallie Mae XXXX XXXX is in serious need of reform.
Product: Mortgage

I contacted Bank of America to verify a principal forgiveness letter my wife and I signed and they told me that they could not find the letter for me to find it and submit it to B of A, we signed that letter on or about XX/XX/XXXX or XX/XX/2011, the bank manager kept the letter and I dont believe they offered me a copy, so Im wondering what happened with the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out NUMEROUS letters to the Following Credit Bureaus. XXXX, XXXX XXXX Equifax, ALL DATES OF MAILING ARE ON THE LETTERS. After waiting months upon months, I have not heard from nor gotten ANY RESPONSE, in ANY FORM. I have sent letters I have called and have waited MANY MONTHS. I need ALL INACCURATE information removed from my credit report. They have failed in every way possible of servicing me as a consumer and I am losing all faith in the credit reporting process. I will be reaching out to a consumer protection agency very soon and plan on taking these agencies to court if my investigations are not completed! I want all of my accounts that have FRAUD RELATED PAYMENT HISTORY, UPDATED AND REVERSE TO ON TIME OR PAID AS AGREED & I ALSO WANT THESE FRAUD COLLECTIONS ON MY CREDIT REPORT REMOVED IMMEDIATELY! I was never notified about these accounts nor have the accounts been updated to currently in dispute. I have someone else 's information reporting on my file and nothing has been done to ensure my report is 100 % accurate or factual which is against the law! This is unconstitutional and a Grave violation of my consumer rights! I am a natural person and know my rights my attached letters will prove these claims!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$0.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Data Breach Act & Without Correction within 30 day period. The violators started threatening consumer without faithful correspondence to consumer 's concerns. 
Account ending in XXXX : {$4500.00} Account ending in XXXX : {$11000.00}
Product: Credit card or prepaid card

XX/XX/2019 I was access a late fee of {$38.00}. Now in XX/XX/2019, I was access a late fee of {$38.00}. I called to pay my XXXX bill and was told that I owed {$150.00}. Now they have accessed me a late fee on the XXXX bill which isn't due until XX/XX/2019. Hence {$150.00} ... my monthly payment is {$39.00}. Now customer service say they can dismiss the XXXX late fee, ok that should just leave XXXX late fee, which would bring total cost to about {$75.00} for XXXX. Now that should get things on track ... but no they want that access fee for XXXX to bring it current. Now, when I asked about the XXXX bill they say I owe {$77.00}, this is why the late fees total {$78.00} for XXXX and XXXX and the payment being {$150.00} to bring current, why is that if XX/XX/XXXX is not here yet. They keep talking about the total bill going down, of course that will happen if I pay all these fees I dont owe. XXXX bill should not be in picture with a late fee attached if that payment has not come due to XX/XX/XXXX. To me these people are crooks. I dont mind paying but not for them to extort money from me.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX current residential address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX. Wrong Date of Birth : XXXX My Date of Birth is : XX/XX/XXXX XXXX. Wrong Employers : - Wrong Employers # XXXX : XXXX XXXX XXXX My employers is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Hunter Warfield for Violations of the FDCPA Dear CFPB Representative, I am writing to file a formal complaint against Hunter Warfield for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I believe their actions have caused unnecessary stress and harassment, and I request that your office investigate these matters.

Below, I outline the specific issues : 1. Incorrect Amounts and Misrepresentation of Debt Hunter Warfield Account XXXX XXXX XXXXXXXX has reported incorrect balances owed. This appears to be a violation of 15 U.S.C. 1692e ( 2 ) ( A ), which prohibits the false representation of the amount, character, or legal status of any debt. Additionally, they have failed to provide verification of the debt upon request, as required under 15 U.S.C. 1692g ( b ).

2. Harassment Through Excessive and Untimely Calls Hunter Warfield representatives have contacted me multiple times before 8 a.m. and after 9 p.m., in clear violation of 15 U.S.C. 1692c ( a ) ( 1 ), which restricts communications to reasonable times. Furthermore, the frequency of calls constitutes harassment, violating 15 U.S.C. 1692d ( 5 ), which prohibits repeated or continuous calls intended to annoy, abuse, or harass.

3. Failure to Provide Full Disclosure During phone conversations, Hunter Warfield representatives failed to identify themselves properly and disclose that the calls were a
ttempts to collect a debt, as required by 15 U.S.C. 1692e ( 11 ).

4. General Harassment and Intimidation The tone and tactics employed by Hunter Warfield representatives have been intimidating, in violation of 15 U.S.C. 1692d, wh
ich prohibits any conduct that is intended to harass, oppress, or abuse any person.

I request the following actions from your office : 1. Investigate Hunter Warfields violations of federal law.

2. Ensure Hunter Warfield ceases communication with me regarding this debt until they have provided valid verification.

3. Require Hunter Warfield to update or correct inaccurate information regarding the debt. 

Enclosed are supporting documents, including call logs, correspondence, and evidence of discrepancies in the debt amount. 

Thank you for addressing this matter promptly. I am confident the CFPB will uphold its commitment to protecting consumers like myself from unlawful debt collection practices. 

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

XXXX XXXX XXXX XXXX repossessed a vehicle that was in my possession on or around XX/XX/XXXX in Louisiana. Under the laws of the State of Louisiana UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I was never received a certified letter nor any other type of correspondence or notice to reposes before the vehicle was taken. I have sent several letters to XXXX XXXX beginning from date XX/XX/XXXX up until the last letter which was sentXX/XX/XXXX. I requested a copy of the letters that they claimed to have sent to me. They letters that they said where sent out, where sent to an unknown XXXX XXXX that is NOT affiliated with me nor my spouses credit file. The address was not known by either of us and has never been an address affiliated with us which means we never knew that the vehicle was in repossession status. I sent an email to the CEO of XXXX XXXX XXXX XXXX on or around XX/XX/XXXX in hopes that he would look further into the matter. He only sent copies of what was mailed out to me, but that did not prove that they where sent to the correct address. The repossession is still showing up on my credit report as a charge of.
Product: Checking or savings account

Missing IRS state tax refund direct deposit savings. 

I filed my XXXX and XXXX electronically with the IRS. 
I am missing a state tax payment for my XXXX payment in the amount of XXXX. This amount was supposed to be deposited in my savings account it never arrived. I called BOA but did not receive the funds.
Product: Credit reporting or other personal consumer reports

Going over my monthly consumer report I've noticed that Equifax is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Equifax thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Equifax continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts. Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 )
Product: Checking or savings account

I opened a checking and savings acccount with Chase after I received an offer for {$600.00} when I ( 1 ) fund the savings account with XXXX Dollars and keep it there for 90 days ; ( 2 ) Make direct deposit from employer within 90 days and. 

I made the savings deposit and I directed my employer to make direct deposit after 40 days ( I only received my checking account number and card after 2 weeks - so there was a natural delay in getting this established ). Given my payment intervals this would mean that the payment would go through 61 days or so after the account was opened. 

However, Chase closed the checking account after 60 days ( due to XXXX balance ). My direct deposit therefore didn't succeed. 

This was nowhere mentioned in the rules nor at the branch when I talked to an employee who restated the rules to me. He assured me that if I start the direct deposit then everything is fine. 

Without the account open I will not qualify for the promotion plus I spent many hours having my employer pay me after the direct deposit went nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am just stating for the record that I am a NATURAL PERSON and a CONSUMER that is filing this complaint. Do not close this complaint stating that this is not me. Now that I have passed that part, I am writing this because, I sent XXXX, Experian and XXXX letters disputing the validity of the inaccurate/fraudulent information that they have on my credit reports. I reached out to both companies about this and they still did not respond. I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false and fraudulent information. I would also like for each company to show how they validated these account according to 15USC 1681 ( 2 ) A & B. Thank you for looking into this and please give me an update when you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$280.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Debt collection

I have disputed this several times and heard nothing back after first seeing it on my credit file. Please help this is unknown and I do not owe
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX.
Product: Credit reporting 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. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : CAPITAL XXXX XXXX XXXX XXXX XXXX