23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

US Bank acquired my mortgage from Concorde XXXX. I originally had a mortgage for {$96000.00} with Concorde but US Bank has added so many erroneous fees that now US Bank says I owe {$100000.00}. I have been assessed fees for force placed insurance, property inspection fees, legal fees, late fees, etc ... The mortgage servicing company is XXXX XXXX XXXX. I have been working with XXXX to come to a resolution about my mortgage. According to the FDCA, Foreclosure proceedings should have been haulted while XXXX and I were in negotiations. I am constantly being harassed with correspondence from XXXX XXXX, US Bank 's attorneys. I feel this company is abusing its power by just adding these fees to my loan and trying to foreclose on my home even though I am working out a resolution with XXXX. I have been denied employment and affordable housing because of US Bank. The loan was predatory from the beginning and has become completely un-manageable for me to bring the account current. I am asking that all collection and foreclosure activities stop.
Product: Mortgage

Our mortgage was sold to Seterus. In XX/XX/XXXX we changed our house insurance. Currently, our insurance has now lapsed even though Seterus claims they paid it. XXXX has n't received payment. They have essentially refused to give us an accounting of the escrow account. The old company was paid and returned the check. I sent a {$2000.00} payment to Seterus labeled " FOR ESCROW ONLY!!! '' to restore the escrow to a positive balance due to what appears as over payments of insurance. They put those monies on the principal. ... As it stands our escrow is deficit, we have no house insurance and we can not get any facts on the account from them or from the online portal. The tax department says the winter taxes were paid. The escrow department says they were not. The last standing online records were from 2014. I suspect when we call in today they will not correct where the money was applied in the wrong place. This problem has been ongoing since XX/XX/XXXX. Again, we do n't have home owners insurance currently. We need help from an entity that this company is forced to recognize.
Product: Debt collection

I am writing to file a formal complaint regarding an debt that was placed on my credit report without any notification to me that the account existed and denying me the opportunity to exercise my right to dispute the account which I most certainly would have as I do not agree with the accuracy of this account. 

Despite my diligent efforts to maintain a good credit history, this account has significantly impacted my credit score. 

Details of the Issue : Account Information : Account Name : National Credit Systems Account Number : [ Account Number, if available ] Amount : {$9000.00} Violation : The account was added to my credit report without any prior notification via mail, email, or phone. I was completely unaware of the existence of this account until I reviewed my credit report. 

Dispute : I strongly dispute the legitimacy of this account. 

I request a thorough investigation into the validity of this account.

Impact : The addition of this account has significantly lowered my credit score, affecting my ability to secure favorable terms for loans, credit cards, and other financial transactions.

Documentation : I have attached a copy of the item as reported on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just downloaded a copy of my credit report as reported by Transunion. I discovered that I have a victim of Transunion credit breach and their inquiry errors breach. Therefore, I have called Transunion earlier today, after noticing that I have been a victim of having the inquiries on my files, which are not mine. I just called at XXXX XXXX CST and was on the phone with the customer services representative for 20 minutes. Even after my explanation that I have not conducted business with the companies, whose inquiries are appearing on my credit file. She instead instructed me to get hold of these companies, myself at the contact info. provided in the credit file. There are 15 inquiries, not made by me. She instructed me to get hold of these companies on my own and get a letter of deletion from them. Despite my request and affirmation that I have not authorized these inquiries nor have conducted the business with these companies. She refused to help and stated that it the company policy to not remove these inquiries, even it might be Transunion fault, Transunion computer breach or someone's fraudulent attempt to obtain the credit under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 XXXX XXXX XXXX, Capital One Auto Financing is a wrongful hard inquire on my XXXX credit report. Also, Capital One Auto Finacing appears on my XXXX   also. I contacted XXXX  and they said that the inquire is to old to summit anything to the company so I have to contact them directly to get a letter of deletion. I told XXXX   the company said they cant locate any application on file to see that they ever did business with me and will not send out anything but will respond if the XXXX sends them something. So Im getting the run around and this company is in XXXX Ohio I never been there in my life. This company has 3 separate hard inquires on my report. I just want these items deleted its going on 2 years but its affecting me trying to get my house.
Product: Checking or savings account

I cancelled my visa services through XXXX on XX/XX/2023 due to unsatisfactory customer service and requested a refund for all services including the Health Insurance.

My visa was never submitted to the XXXX Government!!! 

This is my second time hiring XXXX for visa services and each time it is a hassle. My first visa was approved and I gave the same type of documentation for the second visa but was continuously asked for new requirements not " explained or mentioned '' before which continued to delay the process. 

I called Bank of America 's claim department on XX/XX/2023 to request a refund for the visa services and the travel voucher. The agent stated that they do not provide refunds on Health Insurance Travel Vouchers.

As part of the visa process, I had to pre-purchase health insurance for XXXX year. Since I cancelled my visa services with XXXX, the health insurance voucher is void. The departure date on the travel voucher is XX/XX/2023. I submitted a cancellation request via email to XXXX for the Health Insurance Voucher on XX/XX/2023 which XXXX weeks before the " assumed '' departure date. 

XXXX explained that I had to submit a PQR on XX/XX/2023 and the XXXX team did not submit a response until XX/XX/2023 explaining that I had to contact XXXX Assist to request a travel voucher refund. XXXX XXXX team stated that they do not handle XXXX XXXX Refund request. Please see image attached. 

XXXX XXXX received two requests for a refund I verbally requested a refund on XX/XX/XXXX where they told me XXXX group handles the refunds and that is not true. The second request was via email on XX/XX/XXXX where they are telling me it is too late to request a refund although I already verbally requested one.

Both companies ( XXXX  and XXXX XXXX ) are both stating that they do not handle the Travel Voucher refund process which is why I am contacting the CFPB because I am getting the run around from both companies. 

Please see images attached.
Product: Credit reporting or other personal consumer reports

I AM OUTRAGED AND DEEPLY DISAPPOINTED THAT YOU HAVE FAILED TO REPORT MY CLAIMS IN A MANNER THAT COMPLIES WITH THE REQUIRED STANDARDS, AND I AM DEMANDING IMMEDIATE CORRECTIVE ACTION. THIS LETTER SERVES AS MY FORMAL AND UNEQUIVOCAL DISPUTE REGARDING THE CLAIMS REPORTED IN THE NOTICE. 
YOU HAVE BLATANTLY FAILED TO FOLLOW THE MANDATORY METRO 2 DATA-FILLED FIELD FORMATTED REPORTING STANDARDS, AND I CHALLENGE YOU TO PROVIDE CLEAR, IRREFUTABLE EVIDENCE THAT EACH CLAIM WAS REPORTED PROPERLY. 
LET ME MAKE THIS ABUNDANTLY CLEAR : I DO NOT DISPUTE THE VALIDITY OF THE CLAIMS THEMSELVES, BUT I ABSOLUTELY CONTEST YOUR FAILURE TO REPORT THEM IN FULL COMPLIANCE WITH FEDERAL LAW. ACCORDING TO THE LAW, YOU ARE LEGALLY OBLIGATED TO ENSURE THAT EVERY SINGLE CLAIM IS REPORTED WITH THE HIGHEST DEGREE OF ACCURACY AND COMPLETENESS. THE WAY THESE CLAIMS HAVE BEEN REPORTED IS NOT ONLY INADEQUATEIT IS ILLEGAL.

UNDER CRRG 3-4, THE CLAIMS YOU HAVE REPORTED ARE QUESTIONABLE AT BEST AND LIKELY UNLAWFUL IN THEIR EXECUTION. IT IS UNACCEPTABLE FOR MY PERSONAL AND FINANCIAL REPUTATION TO BE HARMED BY YOUR NEGLIGENCE, AND I AM DEMANDING THAT YOU IMMEDIATELY CORRECT THE RECORD. 
Account : XXXX Account # XXXX I was never late on this account. Reporting accurate on other bureaus but late on this one. Under 15 USC 1666B this is a billing error. Always paid as agreed. 
Account : XXXX XXXX Account XXXX XXXX I was never late on this account. Under 15 USC 1666B this is a billing error. Always paid as agreed.

THESE ACCOUNTS WERE PAID. THIS CREDITOR VIOLATES MY RIGHTS UNDER 15 U.S.

Code 1 1666c - PROMPT AND FAIR CREDITING OF PAYMENTS.

( a ) PAYMENTS RECEIVED FROM AN OBLIGOR UNDER AN OPEN-END CONSUMER CREDIT PLAN BY THE CREDITOR SHALL BE POSTED PROMPTLY TO THE OBLIGORS ACCOUNT AS SPECIFIED IN REGULATIONS OF THE BUREAU. 
SUCH REGULATIONS SHALL PREVENT A FINANCE CHARGE FROM BEING IMPOSED ON ANY OBLIGOR IF THE CREDITOR HAS RECEIVED THE OBLIGORS PAYMENT IN READILY IDENTIFIABLE FORM, BY XXXXXXXX XXXX ON THE DATE ON WHICH SUCH PAYMENT IS DUE, IN THE AMOUNT, MANNER, AND LOCATION INDICATED BY THE CREDITOR TO AVOID THE IMPOSITION THEREOF. 
THIS IS CLEARLY A VIOLATION OF MY RIGHTS AND I WILL TAKE FURTHER ACTION TO MAKE SURE MY RIGHTS ARE BEING PROTECTED. Under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Treatment of inaccurate or unverifiable information. 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. 
I WILL WAIT FOR YOUR RESPONSE IN WRITING.
Product: Credit reporting or other personal consumer reports

I have been trying to log in to the Experian Credit Bureau website for almost two months to check my credit report and score, but their system is not allowing me to access my account because the information stored on their side is incorrect for some reason, and they can not do anything about it. As a result, they are unable to verify my identity and apply to a new credit card. I have contacted the dispute center and submitted a support request more than a month ago.
Product: Student loan

I sent in payment on XX/XX/XXXX its now XXXX XXXX on XX/XX/XXXXand nothing has processed for the payment sent in to pay in full a loan XXXX balance off of just under {$950.00}, that I sent in payment of {$950.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$4300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. FDCPA section 807 violation misleading false reporting. There is no way you validated this account with inaccuracies still being reported XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 6 ) I was notified in writing within 5 business days. This account is in violation XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. FDCPA section 807 violation misleading false reporting. There is no way you validated this account with inaccuracies still being reported XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX- Under, 15 U.S Code 1681b - Permissible purposes 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my personal information and request corrections and updates to my credit report pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XX/XX/year>, I identified the following discrepancies : ________________________________________ Incorrect Information to Be Removed : 1. Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________
Product: Credit card or prepaid card

I am writing to you because I have been discriminated against and my rights have not been respected by Chase Bank. I have been a customer of them for many years with my personal accounts and credit cards. On credit cards I have always been an excellent payer. On Wednesday, XX/XX/XXXX I realized that my credit card had been closed, and I could no longer use my available credit. 
We are experiencing an unprecedented pandemic situation and they did not offer me help. Instead, they took measures that have generated even more anguish and economic precariousness since the credit that I had available was what I had to face medical and food emergencies for my family ( We are a family made up of my husband and I ( XXXX XXXX Men ) and XXXX XXXX daughters. Last year my husband and I were unemployed, which has been a great financial storm in our home. In addition, we suffered from XXXX XXXX. I took at least 6 months to regain my health. This year 2021 I had to face the closure of my company, something that caused a great XXXX not only in me but also in my family. During the month of XX/XX/2021, I got the XXXX vaccine and 30 days later I still don't feel completely well. I had side effects. The government has helped the banks with money and the banks do not pass the benefits on to the citizens. The government has made great sacrifices and the banks continue to charge interest rates that are usury. In addition to continuing to harass clients to collect unpayable debts that clearly announce in the account statements that if the minimum payment is paid, you will be paying for 35 years. I don't have enough life to pay for this. It is an outburst, and it is USURE. I request my rights be respected and stop discrimination due to my XXXX origin and XXXX condition.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested an address update and hard inquiry removal. I do not wish to place a fraud alert on my account at this time, I have a freeze instead. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that Experian allows to do a soft inquiry on my credit profile. I would like for Experian to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. I've also send this information to you via Experian UPLOAD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against LexisNexis regarding their failure to respond to a dispute I submitted, as per the guidelines outlined by the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I sent a dispute letter to LexisNexis, challenging the accuracy of certain personal information and disputing the Bankruptcy Filing Number : XXXX, as it is inaccurately reported on my credit report. Despite the submission of this dispute, I have not received any response from LexisNexis. The lack of communication and failure to address my concerns is unacceptable.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning XXXX  payments on my credit record. After reviewing my records, I found the presence of these XXXX  payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Debt collection

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, another credit card at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, credit card opened at XXXX XXXX XXXX on XX/XX/XXXX the account number XXXX a personal loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account at XXXXXXXX XXXX on XXXX XXXX under account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$2900.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX AND # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.