23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage servicing was transferred on XX/XX/2020 from XXXX XXXX XXXX to Carrington Mortgage services LLC through no choice on my own. Never had an issue paying my monthly mortgage payment through XXXX XXXX XXXX electronically. Carrington Mortgage services LLC charges an {$5.00} " convenience fee '' to pay electronically online each month. 

There is nothing stated in my VA mortgage origination documents that payments electronically would be subject to any type of fee to pay electronically. I called Carrington Mortgage services LLC to state that the {$5.00} " convenience fee '' is a RESPA violation as not disclosed in my mortgage or deed of trust. They stated the charge is justified.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX - XXXX/XXXX/2023 XXXX - XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( FRAUD ) XX/XX/XXXX XXXX XXXX ( FRAUD ) XX/XX/XXXX XXXX XXXX ( FRAUD ) XX/XX/XXXX 15 U.S. Code 1681s-2 states that a creditor shall not furnish nor continue to furnish 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. I will provide my position below regarding this illegal contract where I am requesting a swift and immediate deletion. Additionally, the creditor shall not thereafter furnish to you nor any other agency, any information regarding this aged debt, which has already been deemed erroneous and illegal in nature due to the lack of valid documentation. 

On XX/XX/XXXX, I verbally requested from XXXX, XXXX XXXX XXXX and XXXX XXXX specific information to verify these alleged and erroneous debts and they could not provide me with any data to support that these debts belonged to me or if I was ever responsible for them. 

XXXX, XXXX XXXX XXXX and XXXX XXXX are highly misinformed and incorrect about these accounts, and they did not carry out the required due diligence on their end by reporting the invalid accounts and they must delete and remove this erroneous information from my credit files immediately and swiftly. I do not owe these creditors, and they have no valid right to place these debts on my credit files as derogatory.
Product: Mortgage

I supplied the completed XXXX loan assumption package to Loan Depot on XX/XX/2023. XXXX rules dictate that the process must be completed within 45 days of submission, and it is now 60 days past this date and no answer on the eligibility of the buyer for the assumption of the loan. This delay is going to cause harm to both the buyer and seller, who intend to sue Loan Depot for the breach of the mortgage contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I am writing to file a complaint against Skopos Financial, XXXX, and XXXX.

I have made several disputes with the credit reporting agency reporting that Skopos Financial was not accurately reporting information. The balance that Skopos Financial is reporting to the credit agencies as {$11000.00} does not reflect in the transaction history ledger that Skopos Financial provided. I recently sent a debt validation letter to Skopos Financial requesting that the lender provides transaction and balance history. Per the documents provided by Skopos Financial on XX/XX/XXXX, The balance on this debt after any interest, fees, and liquidation costs was only {$7900.00} as of XX/XX/XXXX. However, an inaccurate amount is being reported and neither has Skopos Financial provided a explanation for the higher balance. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required and under laws of state and federal statutes. I am requesting that this item be removed from my credit report immediately. 
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Skopos Financial to date. 

I am requesting your assistance in putting an end to this matter.
Product: Checking or savings account

Am Having a problem with Zelle that they not allowing me to use my phone number to register on Zelle on the XXXX XXXX and Cant Use My Email : XXXX to use it on Zelle i spoke with XXXXXXXX XXXX about the issue the Advice me they cant fix the problem because unfortunately zelle is blocking the phone number and email to register on zelle on XXXXXXXX XXXX  and unfortunately XXXX cant fix this problem because is coming from zelle
Product: Credit card

The company illegally went behind my back into my account and lowered my available credit even though I have been an on-time payer and I have been paying XXXX times the minimum balance every month since I opened the card they had no business doing that. They had no right to go into my account and do that
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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 XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : \nCases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit card or prepaid card

On XX/XX/2023 I applied for an American Express Hilton card that offered XXXX points when spending {$2000.00} in 3 months. At first, I got rejected for the card, so I called the customer service line and asked if they can reconsider me for this card. The man over the phone at first said I wouldn't be able to get the points since the offer had expired but I explained it is active on the AMEX website. He then realized he was wrong and figured out a way to get me accepted. I asked him if I will get the bonus points 100 % for sure. He said yes I will MULTIPLE times & even proceeded to read me the rules about how to get the bonus. After receiving my card I spent the $ XXXX. I then asked a customer service representative on the mobile chat if I got the bonus points and they said I did not get accepted. Even though the guy on the phone reassured me multiple times that I got it, it didnt matter to them. 

So far I have reported them twice on here and they claimed that I did not accurately provide the correct description of the phone call. The guy on the phone told me MULTIPLE times I got accepted for the bonus offer. They won't even admit it in the response back on here. They seem to have listened to the phone call but will not provide back the TRUTH. 

I will have to file a lawsuit in 45 days from today. I already spoke to 2 lawyers who have said I have a good case. I don't want to go that route but I have no other option.
Product: Debt collection

After terminating my lease and moving, my previous landlord is attempting to collect a debt they are not owed. There is no money judgement from courts against me for this amount.
Product: Credit reporting

I am a victim of identity theft and I received and alert that a new unknownaccount appeared on my credit. I called Equifax and was told that I could not launch a dispute over the phone and was advised to fax my information over againalong with the police report that is already on file and include the newaccount. To date, both Equifax has not removed the account!!!! 
XXXX XXXX XXXX Account Number XXXX
Product: Debt collection

I'm accused of owing a company for a debt that don't belongs to me.
Product: Payday loan, title loan, or personal loan

I took a loan in  XXXX     2016 for  {$550.00}. I called today to inquire about balance. The balance is over {$1000.00}. They said they charge a reoccurring finance fee. They are under " tribal law '' so they operate differently. They would only agree to stop the additional fees if I set up a payment arrangement for {$1000.00}.     My fault for not seeing or inquiring about tribal law. However doing business in t he US then US law s should prevail.
Product: Money transfer, virtual currency, or money service

I opened a Venmo account on XX/XX/2021. On XX/XX/XXXX I transferred {$8300.00} into my Venmo account. On XX/XX/XXXX I initiated a 2-3 business day bank transfer ( Transfer Transaction ID : XXXX ) for {$2800.00} to my bank account ( XXXX XXXX XXXX XXXX ). The {$2800.00} is still not deposited into my bank account, not is it showing in Venmo. Also on XX/XX/XXXX I received an email saying my account had been frozen. It asked me to provide my ID to reactive my account. On XX/XX/XXXX I received a reply from XXXX telling me that my account has been permanently deactivated for violating the user agreement. I asked what I had done to violate the agreement to which he replied " We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems.. ..I apologize that we're no longer able to assist you. '' Also I sent {$3000.00} to my roomate, his account is also frozen. Please help!! I need my money ASAP! Thank you!!!
Product: Credit reporting or other personal consumer reports

I am being taken advantage of as a consumer by Experian. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.
Product: Debt collection

I got a notification that 2 collections were added to my credit report and it dropped me almost XXXX points. I sufyes the first time I've been seeing these collections. I've never heard of the collection agency and when I called to ask what this credit was about I said. How come you're not contacting me? They said that they did, but I've never got a text message. From them and when requesting a validation of death, they refused and said that I could send them a letter but they weren't gon na send me anything because they sent me a text message and when I told her I never received a text message. They said they did and they have 2 dates saying it opened in XXXX, but when I called, they said that they count opened in XXXX but they didn't post it on my credit report until XXXXXXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$1700.00} Balance updated XX/XX/year> Original balance {$1700.00} Account info Account number XXXX Date opened XX/XX/year> Account type Collection Status Collection account. {$1700.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Payment summary XXXX XXXX  - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX C XXXX - XXXX - PAYMENT HISTORY LEGEND Comments- Your statement - Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts XXXX XXXX  Account number : XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX Account number : XXXX Balance : {$1600.00} XXXX XXXX  Account number : XXXX Balance : {$2300.00} XXXX Account number : XXXX Balance : {$4500.00} XXXX Account number : XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Credit bureaus have notified me of data leak and identity theft. Accounts have been now been compromised and reported negatively in my name. Ive reached out several times to fix this misinformation and have gotten no response or solutions.
Product: Debt collection

This is not my debt. I have not had any dealing with this creditor. 
Natnl Cred {$8200.00}
Product: Consumer Loan

I applied for an installment loan through XXXX XXXX ( XXXX ) close to a year ago and faultered on making regular payments due to medical and family emergencies. XXXX gratiously worked with me but the emergencies persisted and they sent my account for collections to ZFN & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, ( XXXX ) XXXX. While the representative assigned to my account was very accommodating and understanding her knowledge of recommended avenues to pay were lacking GREATLY! I was sent on a goose chase to find a magical debit card sold at XXXX where I could load more than {$500.00} at a time. My payment was to exceed that amount and to be taken out the next business day. She could not get her mind wrapped around the fact that I could have gotten ANY reloadable card where I could load {$500.00}, then the rest at same register back-to-back. I thought well maybe they ca n't take more than {$500.00} off at a time or something weird, along those lines. Hence, my having to take time off of work, getting chewed out by my boss, burning up the LAST of my gas for the month ( I only get paid once/month ) all to try and find this mythical card that no one at my XXXX has ever heard of ... REALLY??? THEN to top it all off, once I finally informed the lady of my woes she was willing to wait until I got paid for me to get the card. SERIOUSLY!!! THEN I got not 1, not XXXX, not 3, but 4 calls, IN ONE HOUR!!!, from another male agent and a manager at this agency to ask why I had not secured my arrangement with a debit card. Mind you, they had my screen up right before them as they were talking to me having full knowledge of the arrangement I had made with the other agent, AND I HAVE a debit card in my possession, an XXXX Serve Card ; but they do n't take that one! I do not deny the debt I owe with CC but there is NO WAY ZFN & Associates should be this ignorant of how to handle business and people.
Product: Debt collection

I received a letter from Jonathan Neil & Associates dated XXXX XXXX, 2015 for an auto insurance debt of XXXX. My wife and I called and made payments arrangements for {$100.00} per month until XXXX was paid. We received verification and acceptance of payment arrangements from Jonathan Neil & Associates in letter dated XXXX/XXXX/15. We mailed our XXXX payment on XXXX/XXXX/2015 and we received another letter dated XXXX/XXXX/2015 from Jonathan Neil & Associates with a new balance of XXXX. We believe this consititutes unfair practices because we made payment arrangements on one balance and after first payment, the balanced was increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I closed my bank and credit card accounts I had with XXXX. At the time, I paid off all remaining balances on my credit card and removed all money held with their bank. Nearly two years later I had noticed negative marks on my credit score due to unpaid balances with XXXX. I submitted a dispute through experian and XXXX claimed that their information was valid, and sent an explaintion using their records. According to their own report I had a balance of {$69.00} in XX/XX/2019 and I paid {$79.00}. For XX/XX/2019 I had a balance of {$9.00} and paid {$310.00}. The following month XX/XX/2019 ( despite closing the account ) I somehow had an owed balance of {$10.00}. Again this is from documents XXXX provided me when claiming that the money I owed them was valid. I believe these numbers they presented are completely fabricated. Which is obvious from the incoherency of the accounting between XXXX and XXXX of 2019. I can validate all of this information with documents that suntrust provided to my experian account.
Product: Vehicle loan or lease

I have been attempting to work with USAA regarding my autoload which is XXXX past due. I want to pay this and cure. I have called only to be handed around to 7 different departments and none of them could help me in any meaningful way. 

I was involved in a a series of medical procedures that I just recently because conscious from and that I needed a little more time to pay the past due balance. Instead of working with me and giving me more time USAA simply hands me around to the next Represenative and each Represenative can't give me the 10 additional days I am requesting to cure this. I couldn't ' pay due to a major life changing medical event and USAA doesn't want to modify, defer, assist, extend, ... nothing. They simply threaten repossession of the vehicle that I rely on to get to my many medical appointments. 

I am requesting that USAA give me 10 more days to pay and cure this debt. 

Thank you, XXXX XXXX
Product: Debt collection

National Credit Management is trying to collect a debt and is not licensed in the state of Texas to do so. Remove the collection account from my credit reports or I will pursue legal action against National Credit Management.
Product: Money transfer, virtual currency, or money service

After trying to use Moneygram for the first time, my transaction was denied and my account closed, and have been unable to get any help from customer support.
Product: Debt collection

They provided falsified information. The receipts state Company name, They provided company name omitted to attempt to prove that its a personal transaction and they are neglecting this is from the pandemic and have made no attempts to come up with a settlement amount. In addition all litigation cases should not be reported on credit report in addition its a Business transaction and not a personal transaction. Please have debt collector provide where I supplied my SSN, as well as personal liability. I have submitted proof to Consumer finance where the company name is " XXXX ''. these invoices were supplied by debt collector. I will be contacting the credit bureaus as well as courts that this company has falsified information
Product: Debt collection

I sent a debt validation letter certified mail return receipt back in XX/XX/2019 and never received a response as to whose debt the reported. After never receiving a response I disputed this information with XXXX  and they are still reporting an account that doesnt belong to me.
Product: Student loan

Please advise XXXX is reporting wrong information on my credit report I do not have a loan with Missouri Higher education I have brought this to their attention as well as your attention I do have student loans but not with Missouri Higher education Higher Education I asked for information to be removed off my XXXX report and they put it on my XXXX report under a different name please remove asap
Product: Debt collection

Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : CAPITAL ONE XXXX XX/XX/2021 {$870.00}
Product: Debt collection

DBA Paragon is reporting a debt on my credit report since XXXX of 2021. This debt has been under billing error dispute with the company previously before they obtained the debt and failed to be resolved properly.

DBA paragon is reporting the debt for the account twice separately knowingly because the {$560.00} attempted to be collected has already been paid out according to my insurance company XXXX XXXX XXXX. The original creditor has been sent the EOB of the amount. I have confirmed and requested this information myself. My XXXX  is covered and the amount they are attempting to collect has already been paid. They have not removed nor verified the debt belongs to me after a debt validation letter has been sent and the XXXX are confirming whatever information that is false. The debt practices violate my rights under billing discrepancy laws that protect me until the insurance company and creditor resolve the debt and what is owed if any by the consumer. I have sent information showcasing my son is covered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not solve my disputes.I have not received correspondence from Experian in regards to current disputes. There are XXXX items disputed on my Experian report and they were not address by Experian. Per FCRA if after 30 days the incomplete and/or incorrect items disputed can not be corrected or completed it must be deleted. Experian continuously ignores my disputed and just claims that things were verified in previously disputes. It seems to me as if the investigation is not really being done and the answers are very robotic which leads me to believe that a real human didn't take a look at it and do a real investigation and use real judgement and apply FCRA laws to the process in order for XXXX to be in compliance. At this point Experian is in direct violation on multiple accounts according to FCRA.