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

I am writing to express my extreme dissatisfaction and frustration regarding the ongoing issue of fraudulent items on my account. Despite my repeated efforts and numerous attempts to rectify this situation, I am dismayed to inform you that the problem persists, with a fifth attempt to remove the fraudulent items being made recently. 

As I have previously reported, my account has been subjected to unauthorized transactions and fraudulent activities. Each time I have contacted your customer service department to address this matter, I have been assured that corrective action would be taken promptly. However, despite these assurances, the fraudulent items continue to appear on my account statement, causing me significant stress, inconvenience, and financial strain. 

I demand immediate and decisive action to thoroughly investigate these fraudulent transactions and ensure their complete removal from my account. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I urge you to provide appropriate compensation for the considerable inconvenience, stress, and financial harm caused by these fraudulent activities and the repeated failure to resolve the issue satisfactorily. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$7600.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXX Balance XXXX : {$7600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX XX/XX/2021
Product: Mortgage

Our family has been struggling for the last 2 years in making our monthly mortgage payments. Our house is currently in the state court awaiting a hearing to set the house for sale. Before all of this happened we have been consistently behind one month of our mortgage payment ( {$3100.00} ) for about a year and a half. On XX/XX/XXXX the bank informed us that if they did n't receive both payments that they will start the foreclosure process for our property, this is when we decided to get a lawyer to helps us to modify our loan. At this time we stopped paying the mortgage in our house too see if the bank would help us. The bank denied us more than XXXX to modify our loan according to our foreclosure lawyer. The bank concluded that the reason for denial was because we make too much money, and they go back to 31 % of gross income which I feel is not a realistic figure. We have held a mortgage with this bank since XX/XX/XXXX with our previous house and were good customers. We feel they have been unjust and really want our home. All we wanted was a lower monthly payment so we can manage with our monthly expenses. 
My wife and I are both XXXX and have XXXX daughters. This whole process has been so stressful. We wanted to start making payments again but they only wanted the entire balance and have not been willing to assist. We also tried to do a short sale which they again would not consider any short sale. My wife was XXXX seven years ago and it has been hard on all of us. Our daily life is affected in all ways and she XXXX. Stress is not good for this XXXX but then again the bank apparently does not care. We were just behind XXXX payment and they would n't accept it unless it was the complete amount at the start of this whole process. Lawyers have been amazed on how the bank has treated us and not considered any options. We just wanted our bank to help us solve our current situation to modify and lower our current loan with the monthly moorage payment {$3100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mercedes Benz Financial Services ( MBFS ) # XXXX The Credit Bureaus are reporting 30-days late for XXXX. 
MBFS previously said we were 30-days late for XXXX, not XXXX & submitted a negative mark for it. 
We requested COVID assistance in XXXX from MBFS for both cars we have with them. They only processed one then ( not this one ). We had made a payment on XX/XX/XXXX. 
We made a payment for this car on XX/XX/XXXX over the phone with an MBFS collections rep. The rep acknowledged that there had been a delay processing our COVID deferral request. The payment made in XXXX would apply to XXXX & all late fees would be waived because it was their fault for the delay. The rep also said thered be no impact to our credit. 
We filed a dispute on XX/XX/XXXX after it came to our attention that MBFS had filed a negative mark on us. 
On XX/XX/XXXX we spoke w MBFS who said the issue was being worked on and would be resolved in 2-3 days & apologized for the inconvenience. XXXX confirmed on the same day that they had yet to hear from MBFS. 
We followed up w MBFS on XX/XX/XXXX who confirmed that the late mark would be removed & a credit correction letter emailed to us confirming this. It would be sent within 48hours. 
On XX/XX/XXXX, we still had not received the email & followed up w MBFS. The MBFS rep said that because of legal issues relating to credit bureau reporting they could not email the credit correction letter to us but would mail it to us no later than XX/XX/XXXX. 
On XX/XX/XXXX, we still had not received the letter & followed up w MBFS. We spoke with 3 different reps on XXXX. The first said that they actually could not legally send us the letter but that an update was sent to the bureaus on XX/XX/XXXX removing the late mark. MBFS suggested we follow up with the credit bureaus which we did only to be told they had not receive an update from MBFS removing the mark. 
We lastly spoke w MBFS Subject Matter Specialist, XXXX XXXX. She checked with their collections team & confirmed our story. XXXX also confirmed that MBFS credit dept had auto/manually corrected the late payment mark & the account shows no late payments in its history & in good standing. This update was supposedly sent to the bureaus on XX/XX/XXXX removing the mark. 
XXXX  still shows a late mark on the account. Pretty absurd given the strict rules around COVID deferrals.
Product: Debt collection

I have an identity theft incident. 

On XXXXXXXX XXXX XXXX, I was charged {$740.00} for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX The individual had my full name, birth date, and social security. 

Since XX/XX/2022 and present time, I have received numerous letters. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United We collect Inc. 

I have called XXXX XXXX  and requested a dispute. I have reported identity theft to XXXX XXXX XXXX XXXX and was told that this was just a scam. But problem has not been resolved
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$250.00} Amount was deposited in my account but then cancelled causing my account to go into the negative cause ive used some of the money.
Product: Money transfer, virtual currency, or money service

I purchased cleaning services from a woman and her company. She had great online reviews at the time. Her method of payment was cash app and her company name was affiliated as such. So I paid for services. She started the process and then claimed to have had to leave and never came back. I have tried repeatedly to reschedule over the last couple of months but she never showed up. She then scheduled to come and while I was out she came by and told my son I said she could get her supplies. Took her stuff and mine and once again never returned or provided services. I contacted cash app and they wont do anything. I contacted merchant and she said she would refund me some money and wont respond anymore. This was fraud. I have the web receipts where she changed her name. I have messages. And believe she tried to break into my home as she knew my garage code and had my garage door opener. Cash app takes no responsibility and offers no investigation or resolve so XXXX XXXX can continue to scam other people. I have been trying recover my funds. There are more messages as well but this is her admission of never providing services, timeline and admission of owing money
Product: Mortgage

Our loan servicer, Midwest Loan Services, has applied a charge of {$760.00} to our home loan with XXXX XXXX XXXX XXXX XXXX. This fee was charged because our insurance provider dropped our earthquake insurance. We were unaware of the drop in coverage, but quickly re-established the coverage. 

On XX/XX/2018, I called Midwest Loan Service and stated that we restored insurance coverage. Our loan servicer has acknowledged that we restored insurance coverage, but that there was a lapse of coverage for two months. Our loan servicer stated that Midwest Loan Service will charge us {$760.00} for the lapse of two months. We complained that the drop in coverage was not because we did not have a lapse in payment, but because our insurance provider decided not to provide earthquake insurance for our area. I then emailed our bank, XXXX, and asked them to resolve this matter. 

On XX/XX/2018, I made another call to Midwest Loan Service, and asked for a supervisor. I demanded to remove this fee. Our loan servicer explicitly stated, " NO! '' I then demanded to reduce the fee to something commensurate to two months of coverage. The loan servicing supervisor explicitly stated, " NO, we will not do this for you! '' Please help us resolve this matter. Charging {$760.00} for a two-month lapse in hazard insurance coverage that occurred in the past is punitive. This amounts to over {$4600.00} annually. This is crazy!! 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I paid off my student loans to XXXX. XXXX loan balance was {$4.00}. The second one was {$21000.00}. I paid both in full and XXXX reported the accounts as closed. As a result, my credit score dropped by XXXX point. During this same time, XXXX reported that my loan to them had been reduced by {$960.00}. I don't understand why XXXX is reporting a score decrease when I decreased by debt. Also, during this same time period, XXXX reported that my borrowing power had decreased from {$100000.00} to {$15000.00}. I also paid of a mortgage of {$120000.00}. With reducing my debt by nearly {$150000.00}, it does not make sense that both my borrowing power and my credit score has dropped.
Product: Credit card

Well my credit card was charged XXXX to XXXX charges I didn't do when I get XXXXntouch with my bank TD BANK and file a dispute charged they deny my claim and told me XXXX say I made that purchase I have been in dialog with XXXX and TD BANK from XX/XX/2023 TD BANK keep telling me to call XXXX which I did every day I spoke to Manger at XXXX his name is XXXX he guarantee me the money would return to my card nothing and it didn't I am tired and frustrated I even produced a police report and nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was explicitly assured multiple times that the information I was giving was to solely be used for a soft pull. Each time I gave information, I asked And this is just for a soft pull, right? to which I was told yes each time, which was at least thrice. I have now been notified by my financial institutions that the dealership has added a hard inquiry to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not address the full issue. I did not ask if the account was sold to XXXX XXXX! I stated that XXXX XXXX accounts do not belong to me. I found out that the account belongs to someone else that has a different address. XXXX XXXX have demographic information on the erroneous accounts that do not belong to me. Please verify the name of the person who transunion spoke with at XXXX XXXX that verified this account belong to me, please provide a copy of the original contract from redrock showing that i have a legally binding contractual contractual obligation to pay them the exact amount with my signature, the description of the procedure used to determine the accuracy and completeness of the information, name, address and phone number of the person that was contacted regarding this alleged account. By law when disputing an account it should not be showing on my credit reports. reinvestigate these account thoroughly!
Product: Credit card or prepaid card

Im writing to Dispute a Billing Error in the full statement balance of {$8100.00} Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 



15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( XXXX ) transmittal of funds to a creditor in excess of the total balance due on an account, ( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 



18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter. 


Sincerely, XXXX
Product: Student loan

In XXXX, I tried logging into Navient.com as I have for many years to pay my bill. When I logged in I got a funny message that states : " We 're sorry.Because of your current account status, we 're unable to process your request online. Please call us so we can assist you. '' Every time I call in to Navient they tell me that my account is currently locked out because I am in Bankruptcy. I explain to the representative that my account has not been in Bankruptcy since the beginning of 2011 when my bankruptcy was finalized and that I have been loging in and paying the loan for the past 5+ years. They always tell me they have no idea how any of this has happened and that they can not accept payment. I then get transferred to the United States representatives who apologize profusely and tell me that its a " glitch in the system '' and they have to fill out a form and send it to there IT department to fix which should take 3-5 business days. Its been over a month that this has been going on, it makes it very difficult for me to monitor my account as well as to retrieve my XXXX form since it must be down loaded online. I would like this issue resolved as I have escalated it numerous times to supervisors who say that it will be fixed in 3-5 days but I am still locked out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Director Kindly dispute and remove this account immediately from my credit report as I tried multiple times to pull it off and I was a victim of identity theft as my car with multiple items and documents were stolen in California XXXX XXXX. Please I urge and request you I am a diligent XXXX  and in crisis to get an apartment before so Im unaware and please remove and dispute this immediately from my report and close it
Product: Credit reporting or other personal consumer reports

This is a request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). I'm asking for proof of my obligation to pay and evidence that I am the party you're seeking payment from. This isn't a request for verifying my address, but a formal demand for validation. 
If your company or the company you represent continues to report invalidated information to credit bureaus, it may constitute fraud. I'm prepared to take legal action for any violation of the FDCPA. 
If you're able to provide the required documentation within XXXX  days, I'll review it. During this period, all collection activities must stop. If you fail to respond, all references to this account must be removed from my credit file. 
Please provide the following : Agreement authorizing collection on this debt. 
Agreement with my signature agreeing to pay the creditor. 
Any insurance claims or judgments related to this account. 
Creditor 's name and address. 
Debtor 's name and address. 
Alleged account number, debt amount, and payable date. 
Verification of debt assignment or sale. 
Detailed accounting of the debt. 
Commission information for successful collections. 
If any part of this request is incomplete, it will not be considered. Please allow XXXX  days for processing once I receive this information.
Product: Mortgage

On XX/XX/2020 I submitted an online loan application to refinance my home with Chase Bank. That same day I was contacted by XXXX XXXX and I provided the documentation needed. On XX/XX/2020 XXXX provided me with a loan estimate and required additional documents from me which I submitted through the online portal. Towards the end of XXXX I began working with XXXX XXXX due to the lack of communication from XXXX. XXXX then assisted me in completing all my tasks and I submitted additional documents she requested. On XX/XX/XXXX I received an email from XXXX notifying me that my loan is ready to be sent to the Underwriting department. 

On XX/XX/XXXX XXXX emailed notifying me that she's performing a final review before sending to underwriting. In her review she states that she can't find a Chase deposit relationship and that it's a requirement for a cash out refinance. She apologized for not realizing this earlier and notifies me that I am not meeting the requirements and can no longer help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed for a private school loan for my son with XXXX XXXX XXXX XXXX and was unable to pay the loan due to extenuating circumstances. The default of this loan continue to be on my TransUnion credit report after the 7 years since it was reported. XXXX did the right thing and removed it once we reported it to the Consumer Financial Protection Bureau but not TransUnion. We were warned by the refinance agencies we would have continued problems with TransUnion and they were right.I believe TransUnion is playing games with the reporting dates and they do not have a date reported category but a date opened in their reports. There are three separate loans by school semester and TranUnion has the dates as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are also showing closed dates on all three as XX/XX/XXXX which is not correct. The loans are not and have not been closed nor has any payment been made on these loans. 

TransUnion has claimed that they can not find our previous disputes but they are so incompetent it is frightening to have such an organization managing your credit history. We have contacted TransUnion on numerous occasions to ask to have this debt removed and been ignored. In XX/XX/XXXX they sent us a letter stating they were unable to locate our credit report. We contacted them again XX/XX/XXXX and still no response. This debt is far past the 7 year retention term for negative  account history and they have cost us considerable punitive damage. TransUnion seems to be finding a way to stall the solution by contacting the source who will not provide honest information. 

Maybe TranUnion should look at the other two agencies who have the dates reported accurate and remove this 10 year old information from my report.
Product: Debt collection

I received a letter dated XX/XX/XXXX from XXXX in XXXX, MD who is attempting to collect a debt that I was already sued for by Velocity Investments , LLC in XXXX, NJ and the case judgement was Non-suit back on XX/XX/XXXX.
Product: Debt collection

Good afternoon, On several occasions I have made attempts to contact XXXX, XXXX  and XXXX  regarding this collection debt in question that I have no financial interest in nor does it belongs to me. Not once has Jefferson Capital sent me any kind of documentation nor has the credit bureaus. This negative debt is affecting my credit in more ways than one and all I ask the credit bureaus and collection agencies to do is their job. I am not responsible for this debt whatsoever as this debt belongs to my ex-husband and not me. Please do your job and remove this account for my credit report asap. Your attention to this matter is very much appreciative.

Jefferson Capital Systems-XXXX
Product: Debt collection

Numerous phone calls ( early morning thru late evening ). Caller ID says XXXX service ; numbers have been blocked ; but they still call. I do n't answer - do n't know " them '', did n't ask then to call me, assume its scammers. This has been going on for 18 months. Local phone provider says " Oh, too bad, not our problem. " Today I reluctantly called them ( after being called at XXXX last night ) and told them to leave me alone. They are : Pioneer Credit Recovery, IncXXXX I read the riot act to someone claiming to be XXXX XXXX. I asked what scam they are running. Please investigate these people and their " debt collection '' techniques.
Product: Debt collection

STATE COLLECTION SERVICES OF  XXXX  WISCONSIN LODGED A DEBT COLLECTION NOTICE WITH CREDIT REPORTING AGENCIES WITHOUT NOTIFYING ME IN WRITING  XXXX   XXXX  specifically requested they Not notify me in writing and only try to call me.   Since  Robot  Callers cant leave a message i had no idea that   State Collection Services was trying to contact me.
If they really wanted to contact me they would have written a letter to me.     So they acted in an underhanded way to affect my credit rating.   I have requested  XXXX  to show me a bill stating what they claim i owe to no avail ... they just send statements and then harrass you by turning your name over to these agencies.     All conversations have been recorded by  State Collection Serv ices