23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was paid off on XXXX XX/XX/year> and I still have not received my escrow refund. They said that a check was mailed on XXXX XX/XX/year>. I have called the loan servicer twice. The first time I called on XXXX XX/XX/year> and I was told that I would have to wait 15 days before filing a claim on this issue. I called again on XXXX XX/XX/year>, and they told me that I would have to wait 30 days before filing a claim on this issue. According to 12 CFR 1024.34 ( b ) ( 1 ), all escrow refunds must be processed within 20 days, and it has now been over 50 days. 

The servicer for my loan is Prime Lending and the mortgagee is XXXX.
Product: Debt collection

XXXX XXXX is a rip off. I had nothing but plumbing problems. The thermostat heater went out for 2 days in the middle of the winter period the people that live there are scum bags. The charges that XXXX XXXX is charging everybody is over the limit that there supposed to charge. The maintenance on the property was extremely poor. In I'm not gon na pay this bill to the collection agency because I do not know it.
Product: Credit reporting or other personal consumer reports

I am writing to demand an immediate investigation and resolution regarding multiple fraudulent accounts and erroneous credit report entries listed under my name. Despite my previous efforts to rectify these issues, including filing a report with the Federal Trade Commission, the continued presence of these incorrect entries on my credit report is both distressing and unacceptable. 



XXXX XXXX Account Opened in XX/XX/XXXX : I categorically deny any involvement with or knowledge of the account showing a balance of {$470.00}. 

The account was opened without my authorization, and the contact information on file was erroneous. 



CarMax Account Opened in XX/XX/XXXX : The reported balance of {$59000.00} is entirely unfamiliar to me. 

I assert that I did not open this account and any claim to the contrary is fraudulent. 



XXXX XXXX XXXX XXXX Reporting for XXXX : The reported debt of {$19000.00} on behalf of XXXX is baseless as I have never engaged with either entity. 

The reporting of this alleged debt is not only incorrect but also raises serious legal concerns. 




These inaccuracies are causing me significant harm, leading to credit denials and tarnishing my financial reputation. This is a clear violation of my rights and I will not hesitate to pursue all legal remedies available to me, including but not limited to litigation, if these matters are not resolved promptly and to my satisfaction. 


This letter serves as a formal notice that I expect the fraudulent entries to be removed from my credit report immediately. Failure to act will leave me with no choice but to seek legal action for damages resulting from your negligence and the unlawful impact on my credit standing. 


Attached, you will find documentation corroborating my dispute. I demand a written response within 15 days of receipt of this letter, confirming the commencement of an investigation and outlining the steps you will take to rectify these errors. 


I trust you will give this matter the urgent attention it deserves.
Product: Bank account or service

XXXX 2011 my purse was stolen out of my car and was reported to the police along with all my financial institutes. My credit went from XXXX to XXXX due to several bank issues one was mainly Chase bank. There was a $ XXXX charge that was in dispute that was note by chase as a failure to pay. After months of them not doing anything I paid the amount. They refuse to take all the late marks off my account along with posting that it was a write off and it was not. They are also refusing me any line of credit due to my credit score which was no fault of mine. I want this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, DeptEdXXXX XXXX XXXX XXXX XXXX DeptEd/XXXX XXXX XXXX XXXX XXXX DeptEd/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS DEPT ED # XXXX ( XXXX ) US DEPT ED # XXXX ( XXXX ) US DEPT ED # XXXX ( XXXX ) Have violated my rights.

15 U.S.C 1681 section 602 A, states I have a right to privacy.

15 U.S. C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish my account without my written permission. 


XX/XX/XXXX I sent a letter to all XXXX XXXX XXXX advising them of inaccuracies concerning XXXX accounts, outlining the inaccurate information being reported and that I wanted them deleted. 
XX/XX/XXXX I sent another letter to XXXX XXXX XXXX stating the same things, inaccurate information being reported and to please delete. 
XX/XX/XXXX I sent another letter to XXXX XXXX XXXX stating the same thing. And as of XX/XX/XXXX these accounts are still being reported. 

Account numbers are : DeptEd/XXXX XXXX XXXX XXXX  ) DeptEd/XXXX XXXX XXXX XXXX XXXX DeptEd/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter to all three bureaus about inaccurate information that was outlined in the letter regarding : XXXX XXXX XXXX XXXX XXXX  asking them to delete the account. It is still being reported inaccurately. 

XX/XX/XXXX I sent a letter to all three bureaus detailing the inaccuracies and the violations on these XXXX accounts : US DEPT ED # XXXX ( XXXX ) US DEPT ED # XXXX ( XXXX ) US DEPT ED # XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent another letter to the XXXX bureaus detailing the inaccuracies and violations that are being reported. Along with this letter I sent a letter from XXXX forgiving my student loans and asked them to put paid and change or delete the comments. These still show inaccuracies in my report. 

XX/XX/XXXX I sent a letter to Experian asking them to delete these XXXX inquiries because they do not have a permissible purpose for reporting and that I was not given a firm offer of credit and its neither for employment, court order or insurance : 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 I sent a letter to TransUnion asking them to delete these five inquiries because they do not have a permissible purpose for reporting ; I was not given a firm offer of credit and it is neither for employment, court ordered or insurance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These XXXX inquiries are still being reported on my credit report. 

I have requested on several different occasions that they make the proper corrections and after XXXX XXXX XXXX XXXX years, they reporting the same inaccurate information that is preventing me from buying a house or getting a good car loan. 

I will be uploading all the letters and screenshots in the order presented in this letter. 

Thank you and have a most excellent day. 

XXXX XXXX
Product: Debt collection

I was taken by surprise upon receiving this communication, as I have no prior knowledge of any outstanding debt involving Cavalry Portfolio Services. The letter I received states that there is a debt in my name and provides some details, but I am uncertain about the validity and accuracy of this claim. The original creditor is XXXX. 

They were reporting this on my credit reports in the past but they took it off. They are still contacting me through mail. It started in XX/XX/XXXX. The last letter was sent to me on XX/XX/XXXX. The account is XXXX. It's to my belief that it has been credited to them as a loss to the IRS.
Product: Debt collection

They called my son and told him that they are creditors and they need to up date my info
Product: Credit reporting, credit repair services, or other personal consumer reports

At the time of the recent XXXX data leak I tried to access my Experian account to freeze my credit file. There was an Experian internal system error that stopped me from accessing my account. The Experian system I then found out assumes that they have every consumer problem covered through automation, which is a very foolish and a naive assumption equivalent to the assumption that their system contains no errors. I tried every avenue of password reset, etc and was not able to resolve the issue. The system invites you to call a support phone number in case you could not resolve the issues online. That support number does not give the caller an opportunity to discuss the issue with a person. Instead you get the same automated advice as the online system. It is impossible to reach a person for help. I then started writing physical letters asking for help. The first went to an XXXX regional office. No answer. The second letter I sent to the President of the company. No answer. In the meantime I am notified by XXXX that my personal information was hacked, and I had no way to freeze my credit file. I received emails from Experian giving me the same advice which I received in the beginning and which always led to the same state of not being able to do anything to freeze my file. 
This is a case of Experian significantly raising the risks to me and my personal private information. It is totally irresponsible and personally damaging behavior on the part of a company that should be trustworthy.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at around XXXX I was trying to purchase parts for my truck I sent money via XXXX  XXXX  first for the amount of {$120.00} as an initial deposit. Then about an hour later I sent the remaining {$1600.00} via XXXX XXXX. I was told by the seller he had the money and to message them in the morning. As of messaging at around XXXX that morning I messaged them and everything came back as not sending and I got no response after that. I first tried reporting everything as a scam to both XXXX and XXXX XXXX to try to get my money back that way but neither one could do anything about it. I called the state employee ls credit union and at first told them it was fraud to try and get the money back and they said theyd look into it and itll take 7-10 businesses days. I waited the full 10 days and was told that they didnt find anything so I told them I got scammed and said the exact same thing here. Today I got a letter in the mail saying I shouldve known better when I didnt know that it was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS UNREACHABLE BY PHONE WITHIN REASON AND NONE OF THEIR EMPLOYEES WILL ASSIST IN ANY INVESTIGATION OR REMOVAL OF INACCURATE INFORMATION NO MATTER HOW MUCH YOU PROVIDE PROOF OF THEIR INACCURATE REPORTING THEY HANG UP ON YOU AFTER 6 HOURS ON THE PHONE. THEY IGNORE YOUR MAIL, THEY IGNORE LAWSUITS, EQUIFAX IGNORES THE CFPB AND ANY AUTHORITY THEY ARE GOVERNED UNDER. THEY REFUSE TO COOPERATE WITH ANY REQUEST FOR PROPER INVESTIGATION. I HAVE MULTIPLE COMPLAINTS AND DISPUTES UNRESOLVED, AND EQUIFAX PUNISHES ME EVERYTIME I SUBMIT A COMPLAINT BY REMOVING POSITIVE REVOLVING ACCOUNTS AND RE-AGING ACCOUNTS THAT SHOULD BE REMOVED BY LAW
Product: Credit card

For the past four years, I have requested a lower interest rate from Target Card Services in order to minimize the overbearing finance charges imposed on my account. Since XX/XX/XXXX, I have diligently been trying to get assistance from their guest services as I contacted them via telephone but was unsuccessful in my negotiations. In XX/XX/XXXX, I submitted a written letter ( attached ) and was informed the company does not participate in these type of requests. In XX/XX/XXXX, I attempted asking again via telephone, and was told a canned response that was not helpful to my situation. XX/XX/XXXX, I came across a general note in my online account indicating to submit updated information to determine if I could qualify for an interest rate reduction. I submitted my information a month later and never received a response. I have attempted making on-time payments each month, nevertheless ; I may have been late once in a XXXX month cycle as it still should not preclude me from attaining a better interest rate. I have never been with a credit card company that does not fairly negotiate with their customers. At the rate I am going, it makes the process more difficult to payoff the remaining balance considering other debt taken into account. Therefore, I would greatly appreciate your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

Took out a title loan in XX/XX/2022 to help relocate. I lost my job and got 6 months behind and was homeless but still made arrangements. As I was moving into a stable residence, my car was repossessed in the first day of work & they refuse to tell me where my car is and it has moving boxes in it and plus it barely runs
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XX/XX/XXXX I never gave no one authorization for these and I would like them to be removed from my report.
Product: Mortgage

Nationstar XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Yet another complaint against Nationstar for the fraudulent fake auctions, made up values, and belief that they are not required to adhere to XXXX and FDCPA guidelines. Honestly, when will the CFPB actually do something about this organization? 

Nationstar has run this property through their fake auction system ( in order to gain a 5 % buyer 's premium for their own personal benefit at the expense of their investor ) and surprise surprise .... No bidders. The counter offer then made to the original buyer was once again ridiculously over market value. When asked if they could explain the value -- - we were told that they do not release value information in direct violation of ECOA guidelines. When asked the last time that they had had someone inside the property to value it ... ... NO RESPONSE AT ALL. This is likely because they have not had anyone in the property and the limited pictures that they do have were given to them by us. Which raises the question .... Where did the value that they countered us at come from? They made it up and it has no basis in fact. While I know that Nationstar 's business model ( as outlined last XXXX in the XXXX ) is to defraud their investors, borrowers, and the federal government ( yes, we just caught Nationstar again defrauding the Treasury Department on a HAFA short sale and have an ongoing complaint on that file ) at some point the CFPB needs to stand up and say enough is enough. 

I would appreciate if Nationstar would actually complete an interior value on this property and counter the buyer appropriately ... .. I know that their goal is to attempt to get this buyer to leave so that they can attempt to run this through their fake auction again in hopes of getting a 5 % buyer 's premium ( once again at the expense of their investor ), but enough is enough.
Product: Mortgage

I requested information on how to remove Private Mortgage Insurance ( PMI ) from my mortgage loan. I was told I needed to have my home appraised in order to do this. Mr. Cooper ( my mortgage company ) sent an appraiser to appraise my home and they appraised my home at {$770000.00} on XX/XX/2019. I was charged {$520.00} for the appraisal. 

I received a letter from Mr. Cooper denying removal of PMI because my loan to value was not within 80 % of the " original value '' ( {$680000.00} ) of my home. 

My complaint is that if they are going by the original value of my home, then there would never be a reason to have the home appraised since the current value would never be considered. 

I called to complain and they told me that I either had to be at 80 % of the original value OR use XXXX XXXX rules and be 75 % of the " CURRENT '' value ( I am short by about {$8000.00} ). I explained that this was never discussed with me when I first called to request PMI removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving collection phone calls and mail, I reviewed my credit report and noticed accounts and inquiries that were listed that did not belong to me. I contacted the credit reporting agencies and the companies listed but nothing has been deleted from my credit report. Included below, and attached is the letter that I sent to TransUnion, XXXX, and XXXX. 

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!!!

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 INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Thank you for your timely response to this matter.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED  Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXXXXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Product: Mortgage

I submitted my information on XXXX on XX/XX/19. On XX/XX/19, a Reliance First Capital sales associate called me from a toll free number ( XXXX ). After hearing what he was calling about I told him I was not interested and hung up. Immediately, the same person called me back from a different phone number ( XXXX ). I picked up the phone and he started talking to me again. I told him again that I was not interested and he shouldn't be calling me again, and that I was going to file a complaint. He proceeded to tell me he wasn't breaking any laws. I asked for his full name and he told me he didn't have to tell me that and he hung up on me. 

I'm also submitting a CFPB complaint, because this type of harassment is not ok. You should be ashamed of these practices.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information FCRA VIOLATION - see attachments wrong name, address, phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILY ( XXXX ) XXXX Inaccurate ( XXXX ) XXXX XXXX XXXX  XXXX Employment Inaccurate Use this reason if this is not your employer. 

XXXX Employment Inaccurate Use this reason if this is not your employer. 

remove XXXX XXXX XXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account PAYMENTS NEVER LATE - BELOW XXXX XXXX, XXXX. 
Account Dispute Reason Selected Edit Payment never late RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late
Product: Consumer Loan

My car was totalled in an accident back in XX/XX/2016. After the insurance company and GAP company paid off their parts. Consumer Portfolio Services contacted me stating I still owed aproximately {$110.00} due to late fees. As of XX/XX/2016 I received a call from CPS at XXXX, outside the normal times debt collectors are able to call. 

I could sue them for violation of the calling rules.
Product: Other financial service

nationwide biweekly with drew XXXX from my checking account to make mortgage payments on my house in XXXX ohio. They did not make a single payment and will not ansewer their phone.I contacted the bbb last month, they donot seem to care at all, they even post on their web site that all complaints have been settled. I contacted nationwide in XXXX 2015 and they did return XXXX to my account, but they still have XXXX of my money.
Product: Debt collection

PYOD LLC attempting to collect a credit card dept from XXXX XXXX XXXX  XXXX for {$1400.00} This dept was opened.XXXX. 
This credit card debt was the result of identity fraud and had been disputed and previously removed from my credit report. 
XXXX XXXX XXXX
Product: Credit card

I filed a dispute on my credit card for a moving company after they forced me to pay an extra fee on my credit card once they arrived for an interstate move, after initial estimates were given. They then damaged a list of items and refused to return emails or phone calls to cover the damaged goods. I provided all of this information to Citi card who then sent me a letter saying the company deserved to be paid and the dispute was closed. This was without any information as to the response of the merchant or any response to the numerous documents I provided. The letter has no explanation of how this decision was made, nor any information on how to submit an appeal or rebuttal. It seems Citi card does not have the customer 's best interest when they don't even provide any explanation, just a quick denial with no details.