23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2018, we contacted Seterus Inc, to request the pay off in good faith. The servicer appears to have engaged in Florida 's deceptive business practices for the following reasons : 1 ) the lender has provided a few pay off, not only reflecting different amount but most importantly inconsistent with the amount owed. The pay off provided by Seterus reflects the amount of {$15.00}, XXXX, for an allege escrow overdraft. We are without knowledge as to this fee added to the pay off amount. According to the loan modification agreement, Seterus Inc, collected the amount of {$1.00}, XXXX, in advance for any future escrow shortage. The account has been paid timely pursuant to the contract wherefore the account should not have an escrow shortage or overdraft. In addition Seterus have imposed a forced placed insurance despite being in receipt of insurance invoice we elected. Seterus choose to pay the the forced placed seeking to enrich themselves by placing a more expensive policy. During the last Hurricane, we filed a claim and the insurance company recently sent Seterus Inc the first draw in the amount of {$33000.00} from a total claim in the amount of {$120000.00}. Seterus Inc is holding the insurance proceeds and therefore we are requesting that the funds are applied to the pay off amount. On XX/XX/2018, the servicer communicated that were unable to to confirm that Mr. XXXX XXXX is deceased because the death certificate did not reflect the social security. Mr. XXXX perish outside the United States and is the reason the social would not be added. However, the death certificate does show the passport number which can be easy traced to Mr. XXXX which proves without any doubt that he is deceased. Before Mr. XXXX past, he quit claim the property to me, XXXX XXXX XXXX. XXXX also gave me authorization to speak on his behalf to Seterus Inc, even after his death. It is important to know that i also included XXXX XXXX on the deed. We have attached clear and convincing evidence that Seterus inc, has acted in bad faith in regards to the matter. Action is hereby demanded from the Consumer Financial protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate accounts reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX.

Please govern yourself accordingly.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : 1 ) Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, time 30/60/90 Days Late and amount past due. 
2 ) Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, status and account details Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : letter XXXX, Proof of Inaccurate, ID, Bill, SSN
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 written instructions from the consumer.
Product: Credit reporting or other personal consumer reports

these account are incorrect plese remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had an agreement with avant to make a payment of {$40.00} by the due date and to make a payment of the full balance In order for the account to remain open. However, Once the payment for the full balance was received by Avant on XX/XX/year> for {$760.00}, rather than abide by the agreement, avant closed the account on XX/XX/year>, which was the opposite of what was agreed on and after Avant assured me that the account would remain open and that I would be able to use the card once the available balance updated within 10 days after the payment was received. I have contacted Avant multiple times concerning this issue, and Avant has stated that the concern has been escalated, however, the issue remains unresolved.
Product: Checking or savings account

On XX/XX/22 I went to the Wells Fargo branch in XXXX DE to close an account. There were two employees at the desk ( XXXX XXXX was the main employee ). They stated they could not close my account because they needed to stay at the teller desk despite the fact that I was the only customer in the branch. They recommended I come back another day or visit another branch. I'm not sure why they have a branch with two employees if they are unable to serve customers. VERY FRUSTRATING. 

I stated I would just write a check for all the funds instead of closing. The employees then stated that they'd " hate for me to be charged all those fees if I didn't have the minimum balance '' ... kind of seems like a threat.
Product: Credit card or prepaid card

I called and was told the account would be closed twice. 

I filed a CFPB complaint # XXXX and have not received a response within 60 days. 

I got a statement with a credit balance indicating that the account is still open with a large credit limit for a business that does not exist any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Newday USA, which is my current loan servicer contacted me about a new VA program that i might qualify for on XX/XX/year>. 

Though I was denied, my information was spammed out from Newday USA to unknow third parties. 

It is now XX/XX/year>, and I have received well over 120 phone calls from providers that I have not requested information from, relating to my address and home. the phone calls are documented in my phone 's history. 

My wife 's information has also been spammed out to other agencies without her consent. 

I have contacted Newday customer service and they stated they removed me from lists ; however, this has not stopped the calls or harassment.
Product: Credit reporting or other personal consumer reports

I would like to request any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX denied a recent application of mine because of the security alert on my credit report. They advised me that until my current phone number is updated and they can call me it will remain denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

According the the FCRA 15 USC 1681, everything must report with 100 % accuracy on my credit report. I sent a letter to Equifax on XX/XX/22 asking them to " investigate every piece of information '' on the accounts listed below. Equifax claimed that everything was ACCURATE. However, these accounts are still not reporting 100 % accurate because Equifax did not do a proper investigation, as requested, per the FCRA. I feel like my disputes are not being taken seriously, and my federally protected rights are being deliberately violated. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' Equifax clearly did not do any of this! 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) clearly states that if ANY items are found to be inaccurate or can not be verified the reporting agency shall promptly delete the information from the file of the consumer immediately. I will attach my previous letter to Equifax AND I will attach my credit report showing the inaccuracies that are still reporting. Equifax needs to follow the law and act ethically, or we will seek litigation and {$1000.00} per violation for the financial stress they have caused me. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX has violated my rightsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. Attached is my credit report SHOWING they did not do a proper investigation and are still reporting bad information, I will also attach the tracking number for the letter I sent them asking them to make sure everything is 100 % accurate. These credit bureaus need to be held accountable! They are reporting major inaccuracies and harming my financial reputation.
Product: Debt collection

They wont stop calling. They call me at 4 times a day. Ive already told them to cease and desist.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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.
Product: Credit card

I have been trying to tell this company this wasn't me it fraudulent and needs to be removed from my file.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : All collection accounts You're reporting this collection as a " OPEN ACCOUNT '' which isn't under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

The agency cant prove I owe them the debt Ive asked for original documentation stating I contracted with them Have asked for it to be removed from credit because one or more is a Hippa violation Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX XXXX never gave XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XX/XX/XXXX, Informative XX/XX/XXXX, Informative XX/XX/XXXX, Informative XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I went to a few car dealerships this past year and there were multiple times I did not even give them permission to run my credit yet and I came out of there with like 20 hard inquiries, multiple different times, which is not allowed. In addition to this, some of these dealerships seem to still have my information or something because random new hard inquiries will pop up on my report when I am not applying. I need these unauthorized hard inquiries removed immediately as per the Fair Credit Reporting Act.
Product: Checking or savings account

Wired XXXX to Chase from national financial on XX/XX/XXXX Account was closed just before the $ was sent It is now XX/XX/XXXX and they still have not returned the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit update and it list that my XXXX credit limit decreased when in fact it INCREASE. The error caused me MAJOR POINTS and no one seems to be able to understand how they should fix this error on their. I have been constantly calling them and I have yet to have someone fix this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wit The Fair Credit Reporting act. The LISt oT accounts below nas violated my Tederally protected consumer XXXX XXXX privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX account, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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.

The following inquiries were opened under my social security number fraudulently. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I used Sezzle 's payment platform for a purchase at XXXX. I eventually returned the item to XXXX on XX/XX/year> and XXXX issued a refund for the return, however Sezzle ( the bank/credit card provider for this purchase ) never issued me a refund. I reached out to Sezzle directly through the Sezzle app ( a copy of this original communication is not included as Sezzle 's app does not allow for me to have a copy of the communication/request ) then subsequently countless times via email and was either responded to asking for information I already provided or not responded to at all. It has now been months and I still have not received my refund from Sezzle despite XXXX issuing a refund to Sezzle to be released to me. 

I returned the product on XX/XX/year>.
Product: Credit card

I recieved a credit card with a {$600.00} credit limit through the mail early XXXX. A week later I noticed in my credit report that I had a balance of {$29.00} dollars. I called the company ( Kohls ) and stated that I have never opened an account there, nor do I shop at any of their stores. Apparently the account was opened in a mall in Connecticut. I told them that I dont live in Connecticut and never visited that state. The bill statement they sent out shows my middle name and last name. I never use my middle name to open credit accounts. The CC shows my middle name and last name as well.
Product: Debt collection

On XX/XX/XXXX, XXXX, Navy Federal Credit Union tranferred {$3500.00} from my checking account to my closed credit card account ( also with Navy Federal Credit Union ) without my permission and without any sort of notice ( written or verbal ). I recently had a bankruptcy dismissed in XXXX, and still had some outstanding debts on the credit card. I spoke with a service representative on XX/XX/XXXX to plead my case that the amount was unreasonable and asked that they return the funds. I also said I was willing to set up a more reasonable payment plan, but the representative only offered the standard responses that I should have called to set up a payment plan after the bankruptcy was dismissed. So no progress was made. The following day, XX/XX/XXXX, I learned that after that call with Navy Fed on XX/XX/XXXX, they made a second unauthorized transfer from my checking account to the oustanding balance on the credit card in the amount of {$2600.00}. This dropped my checking account balance to - {$2.00}. Added up, these two collections represent over 50 % of my disposable income for the month whereas federal law, to my understanding, limits such collections to 25 % of disposable income. I am now facing a handful of missed payments on rent and other bills over the next few weeks, and I have XXXX cash or other means to purchase food, gas, and supplies during an already difficult time.
Product: Debt collection

Was approved for a Federal Student Loan with XXXX University. I changed schools and consolidated the loan with XXXX XXXX. School did not appropriately clear information from database and sent my name and address to Conserv. Agent at Conserv XXXX XXXX kept calling send me threatening messages, it has become a nightmare, she calls from different numbers and threatens me on a daily basis.