23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The account is not mine and it keeps getting put on my credit report. The account is in the name XXXX XXXX and my name is XXXX XXXX XXXX, I called the Debt collector and they told me the name the account was in, the company that had original account was XXXX XXXX. However, the the debt collector PDQ Services keep putting this account on my credit report after I have disputed it many times. XXXX XXXX is my Mother, who is now deceased and when passed in 2014 and was in her late XXXX 's.
Product: Mortgage

Hi I have several months and several times asking to this bank to remove the private Morgage Insurance because my property has more than 20 % in equity and I sent the recently appraisal of my property to the bank ( about 1 month ago in my online bank account ) I sent several request to get removed the Private morgage insurance that I am paying monthly because I have a conventional credit but bank is not giving me answers, same way in coronavirus time I asked reduce my interest and they skip my request and just the put my debt for coronavirus in my Morgage and never gave me the promotional interest what government was offering although I asked it in that moment, so they never gave me the promotional interest rate and now they are not also giving me any answers!! I am tired of asking answers and they skip it because is not themselves interest, thats unfair!!! I want my interest rate what I asked in that time of 3 % and I want now to remove the PMI!! I need a specific answer to remove the private Morgage insurance because my property is value now in more than $ XXXX and I just had a debt with bank of $ XXXX, a have BIG EQUITIY I dont need to pay anymore the PMI, see attached the appraisal that I sent to the bank about 1 month ago in my loan care account online showing a value of {$400.00}
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information Pursuant to 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report. I have reason to believe this entry is incorrect and potentially due to negligence, as outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o regarding civil liability for negligent noncompliance.

The item in question is as follows : all negative accounts and old addresses plus credit pulls.

I kindly request that you conduct an immediate investigation into this matter and delete this entry from my credit report if it can not be verified or is found to be inaccurate. Resolving this matter promptly and fairly would be appreciated.

Please provide me with confirmation of the investigation and the resolution of this dispute within the timeframe required by law. Please let me know if additional information is needed.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting

False inaccuracies reporting, i asked for a investigation for issue as my right, no reply. I mailed a certified letter of investigation request to the address provided to me by experian credit bureau and the USPS returned the mail. Could not provided accurate validation of verification in the alotted time frame more than 45 days and counting.
Product: Student loan

After being on the federal payment pause, my loans were switched to MOHELA. When I got my first bill in XX/XX/2023, my payments were more than double my previous payments before the pause. I do not know why my payments had such a huge increase. I called MOHELA and was on hold for a long time. Eventually I spoke to a nice lady who looked at my account and said she did not know why my payments had increased. She put me on hold again and said she would try to resubmit my information to get my payments back to what they should be. I am still waiting to see what the results are but I am getting worried because it's almost XXXX and it still shows that I will owe the higher amount.
Product: Debt collection

I continually receive debt collection notices from Professional Credit Services on behalf of the XXXX XXXX XXXX XXXX, for a supposed past due tax bill of {$590.00}. I have the credit card statement attached in .pdf form. clearly showing I paid the {$590.00} tax bill on XX/XX/2020, and paid an additional {$14.00} for making the payment using their phone system. I do not owe any money to the XXXX XXXXt XXXX XXXX or to Professional Credit Services. Repeated attempts to correct this have been ignored by both parties. Any assistance you can provide would be very much appreciated.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX JPMCB CARD  was approved on my account. I already HAVE a JPMCB card. I got alerted and called chase/amazon immediately to report the fraud. They said they would delete it and get ahold of the bureaus. I needed up just filing a dispute on each and freezing my accounts. I had to upgrade to do it. I had some high alerts from XXXX. XXXX deleted a name but then there was a bunch of stuff they updated and told me other processes to then do
Product: Mortgage

I am the seller of the property. Since XXXX of 2024, we received an offer and have been waiting to close with the buyer. On XX/XX/XXXX, we received word that the bank would work diligently to have a closing date in XXXX of 2024. As of today XX/XX/year>, we are still waiting on the bank ( US Bank ) to complete their process. They have limited us when it comes to conversations about the status of the sell. My family and I are starting to experience hardship due to US Banks negligence and incompetence. The buyer has been approved and they are just as confused to why the bank has not completed their process.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Received multiple phone calls from United Check Recovery concerning debt/check for XXXX XXXX XXXX I clearly explained that I am not XXXX XXXX, to remove me from their calling list, that XXXX XXXX does not reside at my address and that XXXX XXXX did not give them my personal phone number.
Product: Debt collection

This complaint is to inform you that I recently viewed my credit report and noticed a collections account from Trident Asset Management on my credit report. I have n't been notified of this collection. On XXXX XXXX, 2017, I sent a certified, return receipt, Debt Validation letter to Trident Asset Management. I advised them that I recently viewed my credit report and noticed a collections account from their company and I have n't been notified of this collection. I stated that this did not imply that I refused to pay this alleged debt. Rather, I would like to dispute their claim. As per the FDCPA, I have the right to request a validation of this debt. I requested for them to prove that I am indeed the party who is by contract obligated to pay off this debt. Reporting any invalidated information to major credit bureaus may constitute defamation of character as a negative listing on my credit report does not allow me to enjoy the benefits of good credit. Non compliance of this request Is likely to put their company in serious legal trouble with the Federal Trade Company ( FTC ) and other statewide agencies. 

I requested that they send me the following documents : 1. ) Agreement with their client that authorize them to collect on this alleged debt. 
2. ) Agreement that bears signature of the allege debtor wherein promises to pay the creditor. 
3. ) Complete payment history on this account to prove that the debt amount they wish to collect is correct. 


I receive a letter from them dated XX/XX/17 advising that I have 30 days to dispute the validity of the debt. The following week, I received a copy of an old XXXX bill from Trident Asset Assessment. An old bill does n't validate and/or prove that this alleged debt is mine. I 've since sent a method of validation letter to the credit bureaus. I 've requesting the information used to " validate '' this alleged debt as a copy of a bill does NOT validate a debt. 

Under the FCRA 15 U.S.C. 1681i, all invalidated accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the validated proof then they must remove these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I tried to contact Transunion and access my account so I could check my account information and place a freeze on my credit report. When I try to access my account it gives me an error that the site can not verify my identity and I must call, text, or chat with a live agent to verify my identity. No representative provides their employment ID or any details but requests that you click a weird link they text you from a random number, or when you call and speak to a live agent, you get someone in XXXX who wants your full name, phone number, address, and full social security number over an unsecured line just speaking it out loud. Then if you are dumb enough to do that, then they ask a lot of detailed personal questions to " verify '' your identity. This SCREAMS fraud and identity theft and the highest level just spilling all those details over unsecured lines and clicking random phishing links where you enter that information. This is so risky for anyone trying to access their information and the company should be ashamed of themselves. They are doing everything places warn you about not doing to protect yourself and they expect people to just do it and lose everything?
Product: Debt collection

Kindly ensure the removal of inaccurate accounts noted on my XXXX XXXX, as mandated by FCRA 605B. Could you please verify the documentation? The presence of these erroneous accounts is causing me XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Received a letter from Synchrony Bank stating we owed a debt. Called the number to inquire what it was for and they asked for social security number in addition to other things to try to pull up the account. We called Synchrony bank and they assured us we had no balance on the account and the letter was fraudulent. The number that we were to call and make payment was XXXX.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX  XXXX Employers : XXXX XXXX  Employers : XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

First Incident-XXXX XXXX, XXXX XXXX never delivered the item- but was charged a return shipping fee- As I was tracking the item it stopped midpoint- I called and was tole that the driver had to leave for the day and that it would be delivered the next day- it was never delivered- spoke with XXXX and Citibank both which alleged that there was an attempted delivery- false as the recipient was on the line with me and XXXX NEVER attempted to deliver- than the item was out of stock so they alleged Amount to be returned {$11.00} Second Incident- XX/XX/XXXX, XXXX Never charged the amount of {$85.00} by XXXX and placed in dispute pending copy of receipt and proof of charge- Citibank never provided yet indicated that the dispute was resolved not in my favor and recharged the amount back to my credit card- Fraud
Product: Credit card or prepaid card

See attached documentation.

Summary :XX/XX/XXXX - Made a {$500.00} purchase online - 6 months / no interest.

XX/XX/XXXX - Received {$20.00} credit ( promotional offer for using card )XX/XX/XXXX - Made a {$2000.00} purchase online - 14.9 % interest until paid off XX/XX/XXXX - 15 minutes later, called Customer Service to see if transaction could be voided as I decided to use a 0 % offer from another card. Confirmed charge voided and I would not be charged anything, and that it would show as a debit and a credit on my statement.

XX/XX/XXXX - {$2000.00} credit for XX/XX/XXXX transaction posted.

XX/XX/XXXX - Automatic Payment of {$80.00} credited to account which was deliberately set so that the {$500.00} from XX/XX/XXXX would be paid in full within 6 months.

XX/XX/XXXX - {$2.00} interest charged in errorXX/XX/XXXX - Contacted Customer Service via online messaging portal to advise of error.

XX/XX/XXXX - Received response from Customer Service that did not address issue at all. Was not notified via email of the response, so did not see until XX/XX/XXXX.

XX/XX/XXXX - Automatic Payment of {$97.00} credited to account instead of the authorized {$80.00}, in accordance with terms that adjust payment to the minimum due if it is less than the automatic payment amount. This was done in error.XX/XX/XXXX - Replied to Customer Service.

XX/XX/XXXX - Sent additional message to Customer Service after I realized that the mistake made was that the {$2000.00} credit was credited in error to the open transaction from XX/XX/XXXX instead of the {$2000.00} transaction from XX/XX/XXXX. This was likely due to how the automated settings are handled when applying payments. At this point it was obvious that a human being needed to manually make the adjustment. The process is simple for anyone with proper training.

XX/XX/XXXX - {$4.00} interest charged in error XX/XX/XXXX - Received response from Customer Service stating that the matter had to be escalated to the Corporate Offices.

XX/XX/XXXX - Filed CFPB complaint as no action has been taken by creditor.

XX/XX/XXXX - Confirmed account online states : Your next Auto-pay Amount of {$80.00} will be processed on XX/XX/XXXX. However, based on XX/XX/XXXX error, will be automatically changed to {$97.00} without notice or authorization from me. This will be an error.
Product: Mortgage

I'll be short and sweet. Having undeniable, objective financial difficulties. Asked Flagstar Bank for help with mortgage payments, supplied a mountain of paperwork and proof of my hardship ( s ), and was denied. Appealed, and denied again. The reason? Because I'm not more than 30 days late on my mortgage, which I actually am. How would a few more days make any difference? 

Hmmm ... I meet the criteria, I provided the proof, I get denied. How similar my situation looks to at least one multi-million-dollar-lawsuit. Oh, you want links? Here you go! 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-flagstar-bank-for-violating-new-mortgage-servicing-rules/ https : //www.hbsslaw.com/cases/flagstar-mortgages https : XXXX https : XXXX https : XXXX And here is Flagstar 's STELLAR, one-star cumulative ranking at consumeraffairs : XXXX XXXX XXXX An exceptional company is defined by how it handles its exceptions.
Product: Mortgage

XXXX XXXX I applied for a XXXX FHA construction loan w/XXXX XXXX XXXX XXXX, to date, Ive provided ALL required docs within 36hrs. 
XX/XX/XXXX thru XX/XX/XXXX we are starting over again & again & again costing me for triplicates of bank statements & cancelled checks, doing duplicate appraisals, and more- all this due to the 9 months application period, the costs to me are horrendous & XXXX XXXX just started over again- HELP This application IS simple & straight forward! 
I earn XXXX from solid source I have XXXXmortgage I have XXXX XXXX in assets & I have NO DEBT XXXX speaks as-if its complex but it is not! 
I have an appraisal from XX/XX/XXXX, XXXX says its too old & a different appraiser-FHA RULES per XXXX. 
There is too much to list here! & still no loan, EVERYONE Mortgage people, insurance broker, & many more have said this is NOT NORMAL PROCESS I dont switch because it will hurt MY CREDIT SCORE! 

XXXX is hard to reach per other providers including underwriting ( when XXXX didnt send any of my required, provided data ) I really need help, this is an incredible financial hardship. Thank you XXXX
Product: Mortgage

Nationstar Mortgage will not contact me to discuss my escrow account, nor can I reach the escrow division when calling via the main number. I wait to hear each prompt, press buttons, and still get a basic customer service representative that can not help me. I spent three hours on hold last week. This week, I tried again with no success and started emailing for help. On XXXX, a customer service representative said that he could give me a number that would connect to escrow, but it was the main Nationstar number, not the mortgage number I have. It took me longer to get through the prompts without any help. Nationstar emailed me back today and said they could not help me with the information I gave them ( basically my account number and information plus complaint was not enough to have someone finally call me from the escrow department ). They also said that their records indicated that on XXXX a representative already address my concerns, but that was the gentleman that gave me a different phone number because he could n't help me. Nationstar 's escrow analyses tend to hit very high, and I want to discuss the findings of the last analysis from XXXX XXXX. I also have concerns over their request for a XXXX form. At first, I thought the document was a scam. After many phone calls, I was told to send in the form. The letter connected to the XXXX request ( which asked for my full social security number ) threatened monetary punishment if not mailed back to them. I believe they were going to garnish my tax return. The SS # was in bold letters, and could be seen through the return envelope. I truly thought it was an attempt to steal ID. After many phone calls, and an email from Nationstar claiming the validity of the document, I wrapped the completed form in paper, and returned in my own envelope which was not transparent. If Nationstar had my full SS # on file, why would they have me sign a new XXXX Form?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

My savings accounts were frozen for one week early in XX/XX/2024 caused a payment to bounce and did not have any notice by phone or by text or by email and when I logged into my account online saw no issues noted on screen a letter was sent to me last week but XXXX was unable to deliver that letter so I request it be sent by XXXX regular mail. 
This issue caused me headaches with my landlord and would like to talk to some higher up in management @ XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$54.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$84.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX