23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Re : Dispute of Account Information - XXXX XXXX Account Number : XXXX Dear CONSUMER FINANCIAL PROTECTION BUREAU XXXX I am writing to formally dispute the information on my credit report regarding the XXXX XXXX account, Account Number : XXXX. After reviewing my credit reports from XXXX and Experian, I have identified several discrepancies that require your urgent attention. 

XXXX. **Account Type Discrepancy : ** - XXXX XXXX the account as a " Flexible spending credit card. '' - Experian reports the account as a " Credit Card. '' This inconsistency raises concerns about the accuracy of the information reported by XXXX XXXX and it is crucial to clarify the correct account type. 

XXXX. **Date Opened Discrepancy : ** - XXXX XXXX the date opened as XX/XX/XXXX. 
- Experian reports the date opened as XX/XX/XXXX. 
XXXXTHE ACCOUTN IS MISSING FROM THE XXXX REPORT The conflicting dates of when the account was opened indicate a lack of uniformity in reporting, which is essential for maintaining the integrity of credit reports. 

XXXX. **Payment Status Discrepancy : ** - XXXX reports the account as " Late 120 Days. '' - Experian reports the account as " Late 150 Days. '' -THE ACCOUTN IS MISSING FROM THE XXXX REPORT The differing late payment statuses on the same account for both credit bureaus create confusion and could have a significant impact on my credit score. 

XXXX. **Date of Last Activity Discrepancy : ** - XXXX reports the date of last activity as XX/XX/XXXX. 
- Experian reports the date of last activity as XX/XX/XXXX. 
XXXXTHE ACCOUTN IS MISSING FROM THE XXXX REPORT The inconsistency in the reported date of the last activity on the account further raises questions about the accuracy of the information. 

Considering these discrepancies, I request a thorough investigation into the accuracy of the XXXX XXXX account information. I kindly ask that you update or delete the information on my Experian report accordingly. 

I appreciate your prompt attention to this matter and look forward to receiving an update on the investigation within the required time frame. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


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: Checking or savings account

On XX/XX/XXXX, I tried to use my debit card to withdraw available funds. I received repeated denials at more than one ATM. I called Discover Bank and was told that my card would no longer work and I would have to wait 7 days to receive a new one. 

I told the bank I needed access to my money more quickly and asked them to waive fees for a cash advance or other solution but they refused. 

Therefore I was unable to use my funds I also still have not received a new card as they had promised.
Product: Student loan

I own Sallie mae about {$3100.00}. So I made 2 month payment to be ahead of the time. So I check student loan account and my payment is due in 2 week. Well they took my 2nd month payment to cover ridiculous huge fee and b.s stuffs. I paid 2 month! I was told that my monthly payment is XXXX or XXXX and now its XXXX. I don't know where the heck that number come from. I try to contact them few time and they just keep hanging up on me. also they are ruining my credit score! Thanks a lot Sallie Mae for stealing my education money.
Product: Checking or savings account

On about XXXX XXXX, I received a call from the manager at Regions Bank at XXXX XXXX XXXX XXXX XXXX TN XXXX Inquiring if I withdrawed a large sum of money from my XXXX XXXX account early in XXXX, which I told her no and I asked if I should come to the bank. 
She copied my ID and I saw a withdrawal slip with my printed name on it, a signature and my account number. With date if XX/XX/ with the amount of {$1800.00}. We both agreed that was not my handwriting. 
I also asked her what made her look at my account and was informed that an investigation was in process regarding other accounts and that I should get my money deposit back in my account within 30 days. 
On XX/XX/XXXX, I received a letter denying that I would not get my money back because I didn't report it within 30 days. I protested and the bank reopened the investigation. On XXXX XXXX XXXX I received a 2nd with the same denial letter. 
This account was part of my retirement plan so I never withdrawed money since I opened it. I check my quarterly for amount of interest earned because i only made deposits. I was in the bank on XX/XX/XXXX to stop automatic deposit in my money market account as I retired on XX/XX/. The only thing I did on XX/XX/XXXX was spoke with customer service representative at his desk and no teller transactions was done. 
If an investigation was done, and if cameras were in the bank it should have showed who took my money and which teller gave the money. 
I put money in the bank for safe keeping and not have someone to take it. 
Please help Thank you kindly See attachment of unauthorized withdrawal slip and my withdrawal slip with my handwriting signature XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX or XXXX XXXX
Product: Credit card or prepaid card

Tried to log into online app with Citi as I have for a year or so and got a message there was a problem with my account and to call them. 

Did so and answered there security guestions correctly. Was told they would text me a code to read back to them but after three attempts was told they had an error in their system. Then was told I had been left a voicemail on XX/XX/19. Looked at my recent messages. Nothing there. 

Was passed to a superior and told all they could do for me was send a letter to the address on file or call back from another number. 

I explained I have no other number and had moved and had a new address ( one of the reasons I was logging on in the first place to change ). Was also logging in to increase payments to pay off before 0 % interest offer expired. 

Was offered no other resolution to fix this issue. Looks as if they are trying to keep me from adjusting payments to pay off prior to 0 % interest offer expires. 

They wont even switch to a mailed statement to the new address. Looks as if Im just locked out of the account but still expected to pay it. 

I need this resolved ASAP.
Product: Credit card or prepaid card

On XXXX XXXX, 2019 I attempted to close my home depot credit account. As it had been " under review '' by the company for over a month with no attempt to contact me. When I attempted to close it, they attempted to secure a credit card number from me from a different Citi bank account, my government travel card When I declined to give them that number, they refused to close my account and said they would be in touch as the account is still under review. 

The account has a XXXX balance and has had a XXXX balance for over a year. There is no reason to have the account under review, as I have requested that it be closed. 

This experience had been a massive waste of time for me and reflects poorly on Citi bank and the home depot credit center as a whole.
Product: Mortgage

Wells Fargo Mortgage chronically failed to progress and communicate the status of our XXXX mortgage loans with them and allowed their sub-contractor appraiser to miss several key completion dates that potentially jeopardized our purchase contract commitment dates. This compelled us to change airline flights and travel arrangements to avoid spending time in a hotel. 

Aside from all the angst we incurred a {$240.00} airline change fee as a result. Also Wells Fargo did not share/disclose the details for the second home rider until we discovered signing with a mobile notary. The conditions of the second home are stricter than what is provided for owner occupants and we believe these conditions to be unfair and information for this should have been provided up front. 

Lastly XXXX has missed XXXX dates they provided to resolve our complaints. They missed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 2016. In a Telecon on XXXX/XXXX/16 with WF executive team XXXX XXXX, she could and would not offer a commitment date to resolve our matters. We have lost confidence in Wells Fargo sincerity and ability to address valid customer concerns.
Product: Mortgage

SHELLPOINT HAS ASSIGNED MY HOME TO FORECLOSURE WITHOUT RESPONDING TO MY XXXX  OR DEBT VALIDATION. THEY ARE ALSO GUILTY OF DUAL TRACKING.. I CONTACTED THEM ABOUT A LOAN MODIFICATION AND THE EMAILED ME A WORKOUT PACKAGE LESS THAN 60 DAYS AGO. I COMPLETED THE PACKAGE AND RETURNED. I ALSO CONTACTED XXXX XXXX XXXX  AND APPLIED FOR ASSISTANCE. NEWREZLLC .DBA SHELLPOINT MORTGAGE SERVICING, SIMULTANEOUSLY PROCEEDED WITH FORECLOSURE WHILE COMMUNICATING WITH ME IN EMAILS AND PHONE COMMUNICATION ABOUT A LOAN MODIFICATION. THIS CLEARLY DEFINES DUAL TRACKING AND FEDERAL LAW RESTRICTS DUAL TRACKING.. I SENT A NOTICE OF ERROR AFTER 90 DAYS FROM SENDING MY FIRST XXXX  THAT I SENT XXXX XXXX. I ALSO QUESTIONED THE ASSIGNMENTS AND TRANSFERS FILED IN XXXX XXXX COURTS, THE ASSIGNMENTS ARE ROBO SIGNED AND FRAUDULENT. THEY HAVE NOT RESPONDED TO ANY OF MY DOCUMENTS. 
I ALSO HAVE BEEN PAYING PMI INSURANCE FOR OVER 10 YEARS AND THEY WILL NOT REMOVE IT OR ADDRESS ANY OF LETTERS CONCERNING THE PMI,, THEY REFEREED MY LOAN TO THE LAW OFFICE OF RAS FORECLOSURE,
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. This account XXXX XXXX XXXX XXXX XXXX for {$250.00} is fraudulent and I have attached an FTC report also 605B ( 15C U.S.C & 1681C-2 ) I demand that this account stop reporting to my consumer credit report and that you block the account within 4 business days from receiving this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX EQUIFAX LEGAL Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax I am writing to formally dispute inaccurate information on my credit report that | believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 


Pursuant 15 USC 1681i A6B3 I disputed XXXX ACCOUNT, complaint # XXXX on XX/XX/XXXX for inaccuracy. 

Equifax completed the investigation on XX/XX/XXXX. In violation of the 30 days as required by FCRA I am deeply concerned that my dispute may have been mishandled in not being properly investigated..
Product: Debt collection

The collection is unknown and no documentation was provided. I keep getting harassing phone calls and mail. Attempted to settle and resolve and lawsuit was filed against me.
Product: Credit reporting or other personal consumer reports

I contact this company to aware them of late payment reporting on my account and ask if they can removed this inaccurate reporting. The company inform me that since the account was closed there was nothing they can do.
Product: Mortgage

For my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, the flood insurance is covered by the HOA fees I pay monthly. In XXXX 2014, Seterus Mortgage Company bought my mortgage from XXXX. Seterus purchased additional flood insurance for my property even though the property is covered under my HOA dues. Despite numerous of complaints in the form of calls and letters to their customer service, Seterus continues to charge me for this extra and unnecessary flood insurance, taking part of my mortgage payment, applying it to the escrow, and claiming I am short on my mortgage payment, thus negatively affecting my credit and payment history. I have provided Seterus with ample documentation to prove the policy from HOA fully covers the liability required for the property. Thank you in advance for your support. Please reach out if you have any follow up questions. Thanks, XXXX XXXX XXXX XXXX
Product: Mortgage

In my recent experience doing a jumbo loan refinance with Quicken Loans, their sales and servicing practices are deceptive, unfair, and dishonest. 

I completed a refinancing with Quicken Loans in XX/XX/2021. I was told by the contact there that Quicken Loans services ALL of their loans. This was a major factor in my decision to use Quicken Loans for my refinance, because it was important to me to have a modern loan service that is online via websites and mobile apps. 

In XXXX, after only a few payment cycles, Quicken Loans sold the servicing of my loan to a different servicing bank, XXXX XXXX. XXXX XXXX  has only rudimentary online servicing. It requires multiple phone calls and paper letters to make changes to my account. I am not able to easily set up automatic payments like I did with Quicken. XXXX XXXX  also does not have proper staffing to answer phone calls, and they told me I will I have to wait 48-72 hours to hear responses back from their loan department. 

When I called and escalated my complaint to Quicken Loans and talked to a member of their research team, I was told that Quicken Loans does not ever service my loan category. As policy, they sell all jumbo loans. To me, this was important information that I was never told in the refinance application process. I believe I was sold a product that I am now not receiving. Nowhere in the process was I explicitly and clearly notified, either in writing or verbally, that Quicken Loans would not service my loan.
Product: Debt collection

Florida governor has made a referral to the Florida Department of Revenue for possible tax fraud. The Florida Department of revenue is out millions on intangible & stamps taxes since 2008. Lenders have been evading taxes due on the loan modification increase in the billions nationwide. This is the biggest tax evasion scam ever by financial institutions, Select portfolio is one of them. When regulators walk into your places of business and ask to see your loan modification files from 2008 and forward I know we are going to find jackpot. BTW, if you record the loan modification the FBI will come after you for public corruption. you illegally recorded the loan modification on an unrelated case and the matter is being investigated. XXXX XXXX not accept loan modifications not notarized, why? because they required the original notarization. The loan mod reflects it was not notarized therefore you are barred from recoding it. Select portfolio you are a fraud and should not be in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 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: Money transfer, virtual currency, or money service

I am a XXXX merchant. I allow customers to use XXXX XXXX Installments ( which is run by Affirm ) so they can break up payments. On Monday, XX/XX/2023, I received a payout email confirming that my payment for the recent order was being sent to my bank account. The customer that placed this order used XXXX XXXX Installments. I should have received the payout the next day but I never got it. I confirmed with my bank that there were no payment attempts made by XXXX. I have tried to resolve this several times with XXXX support team. I also made complaints to Affirm since they are the ones that are responsible for this payout. I still never received my money and I have no answers on when I will. Several other XXXX merchants that I have spoken with Ive had the same issue with XXXX XXXX Installments around the same time as me.
Product: Debt collection

I received a letter in the mail on XX/XX/2019 from Cedars Business Services alleging that I owe {$410.00} for an XXXX  traffic violation. 

This is completely invalid and is not my debt. 

After calling XXXX and giving the case number, I spoke with someone who said their name was 'XXXX  XXXX  ' who insisted that 'he had information that said I owed them {$410.00} '. 

This is not my debt, I have no idea what this is about and this is extremely dishonest. The letter said that I only have 30 days from the day the letter was sent, XX/XX/2019, to deliver a letter disputing the 'debt '.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  OFFICE OF THE ATTY GEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1900.00} Balance Updated XX/XX/XXXX Credit Limit {$2000.00} Monthly Payment XXXX XXXX XXXX  Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$15000.00} Balance Updated XX/XX/XXXX Original Balance {$17000.00} Monthly Payment - Past Due Amount {$15000.00} Highest Balance - Terms 66 Months Responsibility Individual Your Statement - Comments - XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX XXXX. 
Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX XXXX XXXX XXXX   Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX Account Status! ( Hippa ) XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Wholesale - non specific Contact Information XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

After doing a review of my consumer report, i noticed this account on my report and also a fraudulent charge, DOB banking information. I have never resided in the state of TX and have lived in in my home since XXXX of XXXX. I have filed an Identity theft report and also a police report now that i have discovered this identity thief.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my report and seen fraudulent accounts on my report.
Product: Student loan

Sallie Mae and now XXXX was my prior servicer. I have been working at a non-profit, as I 'm working towards Public Service Loan Forgiveness. After discussing this goal with Sallie Mae on multiple lengthy phone calls, and switching to the correct income based repayment plan as instructed, I began making what I thought were qualifying payments. I even called a second time to confirm, as was told I was doing all the necessary steps. It was n't until just last year, when a very helpful customer service rep thru XXXX, made comment that most of my loans were not qualified loans, after paying on the loans for 2 years. After a relatively easy application to consolidate into a " XXXX '', which the very nice customer service representative at XXXX XXXX did for me, I am now on track for loan forgiveness, but {$150000.00} of my loans are now 2 years behind in payment. This is VERY financially damaging for me, as my monthly loan payment does n't even cover the current interest accruing.