23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recently received a letter from Milestone ( Concordia Credit ) stating that they are now going to charge a set up and maintenance fee for an annual cost of {$230.00} to be billed on a monthly basis of {$19.00}. The letter states that I have the right to opt out of this charge by calling them or writing to them. I called them today to advise them that I am not interested in paying this horribly high fee especially since I have already been billed my annual fee of {$49.00}. which is on my recent statement. 

The letter states that by rejecting this fee that there would be no other changes to my account with them. But, when I called them I was advised that by rejecting this high fee that I would be required to close my account. I have been an excellent customer of the credit card company. 

I am enclosing a copy of this letter.
Product: Debt collection

I previously had an old collection for XXXX XXXX on my credit report which I diputed due to the account not being mine. the collection was deleted from my credit report in XX/XX/XXXX. In XX/XX/XXXX I received several notifications through my credit monitoring phone applications the I had a new collection on my credit report. Upon researching I noticed it was XXXX XXXX   trying to collect a debt in the amount of {$780.00} for XXXX XXXX. I have never had XXXX XXXX, so Disputed the collection and I got a response stating the collection is " accurate '', which it definitely is not, again I have never had XXXX XXXX services. Convergent is stating the debt is from XX/XX/XXXX which again is completely false. I tried reaching out to XXXX XXXX and was unable to get any information from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company COLLEGE FOUN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  , IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX  XXXX XXXX {$3800.00} XXXX & XXXX XXXX XXXX XXXX {$830.00} XXXX & XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX XXXX XXXX {$310000.00}. 

Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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  ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I started a refinance application with my current lender, Wells Fargo, on XX/XX/XXXX. I paid my appraisal fee the day I applied per my mortgage consultant. 
I expressed concern to the fha specialist who told me I may not pass for a loan because of repairs. I contacted my consultant about this concern and was told that it would be fine as long as I could live in my house as I already do. I was further informed the appraisal would be my only out of pocket expense when I expressed concern if I needed another appraisal or inspection. 
I had a closing date of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No one called me proceeding these dates and just allowed them to pass by. The appraiser did not come until XX/XX/XXXX. 
I received my appraisal a couple weeks ago. I was told that I now need a foundation inspection. I said I didnt want to go through with that. X my consultant told me that he would notify underwriting my foundation is free from crack, bulging, or decay. Next thing I know, I check my task list and it shows the the inspection fee added to my loan estimate. 
All these issues are in addition to the reps continually asking me for a XXXX w-2 for an employer I didnt work, resubmitting documents that everyone has at hand, and blatant miscommunication among them. The consultant has also went as far as telling me he was telling the fha specialists manager that he shouldnt have given me information about possible approval for repairs. Im now out {$860.00} for an appraisal that I was told shouldnt affect my approval since I already occupy my home. Ive been lied to, then hit with sneaky surprise charges. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The phone line is always open and answered. They have the right number. Tired of the games.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Full XXXX XXXX XXXX XXXX Pa Social security Number : XXXX Date of Birth : XX/XX/XXXX This is a fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL , 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 relates. I Never gave XXXX any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT. 


XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Equifax : XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

This issue involves Barclay 's bank holding over $ XXXX of funds from my account. I had a plane ticket, that I could not use because of an emergency, refunded to my Barclay 's credit card account on XX/XX/2022. This created a balance on my credit card of + {$1500.00}. Since I hardly use this card, I requested a credit balance refund of the amount on XX/XX/XXXX. The refund showed that it processed on XX/XX/XXXX. It has been 10 weeks since that time and I have still yet to receive the money that was in my account. I have called up Barclay 's around 8 times to get this sorted and every time they promise me the check is in the mail. The first time I called they said it would take 7-10 business days. The next time I called they said it would take 20 business days. The last time I called they said it could take up to 2 billings cycles ( 2 months ) to get my money back. The tell me the reason it was not received was because the address was incorrect, because I recently moved. My previous address is my parent 's address and I still receive every piece of mail sent there. They have supposedly updated my address the past 5 times I have called them and yet every time they act like it is new information and add the address again. I have escalated the issue to supervisors and managers and they all make the same promise that the check is in the mail. One supervisor I talked to 2 weeks ago told me they were expediting my check and it would be at my address in 1-2 days. That never happened. When I called back I was told the previous agent lied to me as checks can not be expedited. I have spent roughly 10 hours on the phone with agents of Barclay 's Bank and I am no closer to receiving funds that are mine. I am now late on rent and bills because I relied on having this money. At this point I am worried I will never get the {$1500.00} that was in my account. I would prefer the money to be electronically transferred as I have grown tired of hearing that " the check is in the mail '' for 10 weeks and ongoing.
Product: Mortgage

On XX/XX/XXXX, I called PHH Mortgage Services and told them that I wanted to pay a year rent. They refused that I could only paid for 6 months, which I did. They payment covered XX/XX/XXXX to XX/XX/XXXX. I sent the payment for XX/XX/XXXX ahead of time. Instead of PHH applying the payment, PHH put my payment in my escrow account which the admitted to. Instead of marking my payment from XX/XX/XXXX to XX/XX/XXXX, PHH Mortgage sent my name to credit bureaus that damaged my credit. Moreover, PHH Mortgage decided to modify my loan unknown to me, which I refused because I have been payment my rent. I have called the company on several occasions to have the settled. I have to deal with different crisis intervention team that realized that their errors and promised to take care of it but never did. My name was sent to a law firm that harassed me with so many calls. I got back on the phone and told them that their lawyer was calling constantly. Again, after going through another lengthy discussion with an apology and promise to sent in a letter of an apology, it never materialized. 
PHH is deliberately trying to foreclose on my home. Have so many people calling to buy my home. This is a criminal behavior and predatory lender.
Product: Vehicle loan or lease

Regarding previous complaint XXXX. A settlement letter was attached to the complaint yet once again I try to contact Santander Consumer USA and they had no knowledge of the settlement so I had to fax them over a copy of the settlement. The settlement letter was for a one-time payment {$6000.00} by the XX/XX/XXXXI had called an email Santander Consumer USA supervisor regarding this and have fax over a letter requesting more time from the legal department of Santana Consumer USA, i have yet received a response back yet I need more time due to the bank will hold a check that 's being deposited the end of this month into my account also being that the damage had came up due to the latest hurricane IRMA. I am unable to uphold the {$6000.00} one time payment settlement at this time. Due to damages and me not having a car due to the car being a total loss I would still like to try to settle this amount but in the monthly payment. And being that I have been paying monthly on the vehicle that I no longer own I am requesting the settlement amount can be lowered from XXXX being that I have been making monthly payments and my total amount that 's due on the loan as of now has decreased. I would like to be contacted from the legal department directly so this matter can be resolved
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. This request is submitted for the XXXX XXXX XXXX.
Product: Debt collection

Midland Funding LLC is trying to collect XXXX on an account that was originally a XXXX XXXX credit card. They are suing me for an account that is not mine!. Case number is XXXX filed XX/XX/XXXX. Midland Fundings phone is XXXX XXXX. My credit took a huge drop. XXXX XXXX credit card was opened on XX/XX/XXXX.
Product: Credit card or prepaid card

XX/XX/2020 : American Express Credit Cards : American Express XXXX XXXX, American Express Delta  Platinum,  American Express Platinum I tried to charge {$20.00} for a XXXX Metro Card to refill my card. I saw the transactions kept getting denied. I then used my XXXX XXXX Debit card and the transaction immediately went through. I then called American Express and inquired why the transactions on my Amex cards were denied. I was told that there was a late payment, my one day, on my business credit card. I said ok, well we did not receive a statement for that account, nor a bill, or any notice of past due or upcoming bill. I said to suspend my personal account is not acceptable as my company is a Corporation with it's one FEIN. It's an entirely separate entity and to suspend all of my personal cards with them, available credit in excess of $ 16K was absolutely because of a clerical error and ailing to notify me properly was obscene. They did not issue any late fees or penalties, I paid the amount on the company card needed to re-activate my personal cards. I only had my amex cards during this trip and my debit card, which put me in a very precarious position. This practice is utterly unacceptable.
Product: Credit reporting

I have disputed a account with all XXXX credit bureaus for XXXX. The first time it was deleted. Then it appeared again under another company. I have been disputing it since and I have requested documentation with my signature to verify the account and to this day I have received nothing but somehow it keeps coming back verified when I dispute it. I would like this item deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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. An 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. GOVERN YOURSELF ACCORDINGLY!
Product: Mortgage

THIS IS NOT A DUPLICATE COMPLAINT.THIS IS A NEW COMPLAINT THE XXXX ISSUE WAS RESOLVED.NOW ITS STARTING ALL OVER AGAIN.PLEASE HELP ME WITH THIS ISSUE .READ MY COMPLAINT, IT IS A SAME PROBLEM THAT WAS RESOLVED BUT NOW IS STARTED TO HAPPEN ALL OVER AGAIN.MY XXXX COMPLAINT OF THIS ISSUE WAS RESOLVED YOU ARE NO LONGER WORKING ON IT.I FILED ANOTHER COMPLAINT ( case # XXXX ) ON XX/XX/XXXX YOU REPLIED SAYING ITS A DUPLICATE COMPLAINT AND YOUR WORKING ON IT.THATS NOT THE CASE ITS NOT A DUPLICATE ITS THE SAME ISSUE OF A EARLIER RESOLVED COMPLAINT.The XXXX was on XX/XX/XXXX you sent my complaint to the mortgage company and they responded.The isssue was resolved for one month and now its back to the same problem.The mortgage company sent me a letter showing they are working on correcting the problem and if i have any further issues i should contact XXXX XXXX a customer relations specialist at XXXX.Let me say XXXX of all their automated phone system does not give an option to connect to a live person unless you try almost every promt on the system.When i am finally connected with a live customer service person they are unable to resolve my problem and proceed to transfer my call to a specialist which never pick up the call.Their main customer service XXXX is outsourced to who knows where.The specialist are in Texas.Whats the point of outsourcing the customer service line if they do n't have the ablity to resolve the problems of the customer.Well my problem accured again on my XXXX mortgage payment, i over payed like always and wanted some of the overpayment applied to the escrow and some applied to the principal.They ignored my wishes and applied it all to principal.XXXX i called the auto mated customer service line to resolve this and after XXXX of going threw the promts to finally get a live person they were unable to help me and transferred my call to a specialist, who never picked up but i left a voice mail.Then i pulled out the letters from my XXXX time i filed a complaint and i called XXXX XXXX dircet at XXXX she never answered so i left a voice message.She never returned my call so i called again and again and again only to get her voice mail every single time.I left XXXX voice mail messages out of XXXX calls to her over a 5 day period and NOT XXXX CALL WAS RETURNED.It is unexcusable how i have to continue to call and call and call and file complaints over something so simple.Just apply the money the way the customers want it applied, your own statements give us the option of doing that but yet when we use that option were ignored.My XXXX payment was to be applied as {$23.00} to escrow and {$80.00} towards principle.Thats how the payment slip was clearly marked.Like i said this is my XXXX complaint for the same problem.
Product: Credit reporting

On my credit report there is an account that is listed as in " open collections ''. The account is held by XXXX, a collection agency, on behalf of XXXX XXXX University and the amount is {$1500.00}. This account has been paid in full since late XXXX 2014 or early XXXX 2014. I paid XXXX directly and they assured me that this account would be accurately reflected 30-90 days after I had paid this account, again this was late XXXX or early XXXX of 2014. I do not feel that this account being shown as in " open collection '' is in anyway appropriate. 

I have attached screen shots of the involved accounts from XXXX XXXX University, as reported from XXXX, that show the account is paid in full. I have also attached a PDF of my entire student loan history from XXXX as well. 

I would be happy to furnish any other information that is deemed needed for the investigation of this complaint.
Product: Credit reporting or other personal consumer reports

Date ; XXXX Rushmore Loan Mgmt Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number ; XXXX Notice of Violation of the Agreement Greetings, I have recently viewed my credit report and I noticed something strange as it pertains to what you are reporting to the 3 major credit bureaus. Upon signing up and accepting the terms of the mortgage associated with this account, it is written in the agreement that all disputes should be handled via arbitration. Unfortunately, there has been no filing or initiation of arbitration from either party. This is a material breach of the arbitration agreement we had. To add to that, you continued in those efforts and sold this debt to a third-party debt collector after have charging it off. 

I am certain you were able to communicate the details of your dispute before deciding to breach the contract. It can be safely assumed that you were willfully neglectful in your duties to uphold the agreement set forth by this company. 

This letter is a humble attempt at seeking to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. If that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX XXXX