23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage has changed hands several times over the duration of the 23 years I have been paying. The original amount financed was {$84000.00} at an rate of 7.5 percent. I just made payment number 283. According to a 30-year loan amortization schedule, normally the loan balance should be {$36000.00}. In my case as was stated by the mortgage institution the outstanding balance is in excess of {$40000.00}. Of course anyone can see what the problem is here.
Product: Credit card

On XX/XX/XXXX, I visited XXXX XXXX for medical attention. The hospital charged a deposit of CHF XXXX ( Swiss Francs ), equivalent to {$740.00}, to my Chase credit card until the invoice was issued. On XX/XX/XXXX, upon my request, the hospital sent me an invoice by email, showing three amounts : 1. Deposit : XXXX 2. Total amount : XXXX 3. Amount due : XXXX ( XXXX XXXX XXXX ) This bill implies there was an overcharge of CHF XXXX ( {$500.00} ) to my credit card. I have disputed this amount with Chase, but they have refused to refund my credit card. 

Below is the sequence of events : On XX/XX/XXXX, before receiving the invoice, I submitted the dispute under " I used a different payment method for this purchase '' because the hospital and my health insurance company were supposed to work out the charges. When Chase requested evidence of the payment, I could not provide it and they denied the dispute. 

On XX/XX/XXXX, I sent Chase a letter explaining that the dispute should have been filed as an overcharge, providing the details, and the invoice. Chase reopened the dispute with date XX/XX/XXXX. On XX/XX/XXXX, Chase denied the dispute arguing that " The merchant reviewed your dispute, but didn't find evidence of a billing error. '' On XX/XX/XXXX I requested the overcharge dispute to be reconsidered, sending a letter, the invoice again, and the credit card statement. The opened the dispute with date XX/XX/XXXX and denied it with date XX/XX/XXXX, arguing that " The merchant reviewed your dispute, but didn't find evidence of a billing error. '' Moreover, Chase 's dispute tracker system shows, with date XX/XX/XXXX that " We canceled your dispute at your request '' which I never asked.
Product: Money transfer, virtual currency, or money service

Submitted disputes on 7 unauthorized transactions throughout 3 years that I have been with them. Each of the transactions were refunded and then reversed back to merchant. Changed card three times even changed account number. Wont stop happening. Nothing they can do. Told me to keep my card safe
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 



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 XXXXK/XXXXT XXXX Balance : {$0.00}
Product: Debt collection

My name is XXXX XXXX and I contacted Navient approximately 2 years ago and requested to only contact me by mail or email. I asked them to remove my home and work number and any other numbers they have affiliated with me. I did not want to be contacted by any other means. In turn, I've paid the required payment every month. I have not received any phone calls to my home. However, on Sunday, when I arrived at my church, XXXX XXXX XXXX, I was approached by the church secretary and was told Navient has left several messages for XXXX XXXX to contact them immediately. She stated there were messages on the voice mail from XX/XX/2018 to XX/XX/2018 and calls were also answered by an associate at the church on XX/XX/2018. Other than attending the church, I've never worked at the church and I've never received or made any personal calls from the church. I did not even know the church telephone number until I inquired about it to file this complaint. They have violated and consistently disregarded the Telephone Consumer Protection Act although I've made numerous request to only contact me by mail or through email.

I reviewed my online account and in my profile, it list my phone number as ( XXXX ) XXXX. This is the number to the church. I have never provided this number to them and it is on file that I do not receive any phone calls. I've had the same home number for more than 20 years and the same cell number for 18 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : account XXXX  ( account number : XXXX ) XXXX  XXXX ( account number : XXXX ) In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I disputed a public record bankruptcy on my transunion credit report requesting validation/accuracy/verificatuion of entry. They responded by asking for more documentation. Therefore I responded by sending a letter from the alabama court saying they do not send this info to the bureaus. And from what i have learned, correct me if Im wrong, is all information on a consumer 's credit report must be verified with the original holder of information. In my case, the US alabama bankruptcy court. And according to them they do not send this info in to the bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has failed to verify the information on the credit bureau. 
http : //www.azb.uscourts.gov/filing-without-attorney/debtor-faqs? page=1 The Bankruptcy Court has no jurisdiction over credit consumer reporting agencies and the court does not notify reporting agencies when a bankruptcy case is filed, nor can the court request that a specific record be changed. Information on your credit report has generally been reported by your creditors and is gathered from public sources by the reporting agencies. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit card or prepaid card

PLEASE BE ADVISE THAT I AND MY ATTORNEY WERE IN DISPUTES WITH XXXX XXXX XXXX XXXX OVER CREDIT THAT WAS AWARDED AND THEN THEY WANTED TO TAKE BACK, DUE TO A ERROR MADE BY XXXX AND THE CONSUMER/ XXXX RXXXX XXXX FROM XXXX XXXX XXXX. ME AND BY ATTORNEY WERE ON A DISPUTES DECISION ON MY XX/XX/2015 XXXX BILLING STATEMENT. XXXX THEN DID NOT NOTIFIED ME OR MY ATTORNEY OF THEIR DECISION OF CURRENT DISPUTES ON XXXX XXXX CREDIT CARD STARTED CHARGING MY CREDIT CARD, WITH NO NOTIFICATION OR BILLING STATEMENT.. TO ME OR THE ATTORNEY OFFICE OF XXXX & XXXX.WITH NO KNOWLEDGE OF THEM CHARGING ME, I AM NOW 90 LATE ON MY XXXX CREDIT CARD.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 



I've contacted LEXIS NEXIS twice regarding an insurance account that's listed within my file with no policyholder information present. 

I had a totally different car and policy which is reflected in another section of the report. 

You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

( XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items on my credit report 60 days ago and incorrect information is still reporting for XXXX, TransUnion, XXXX section 15 usc 1681 section 604 a section 2 it states that a consumer reporting agency can not furnish an account without written instructions. XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXXXXXX XXXX XXXX ) XXXX. These accounts reporting inaccurate information I've disputed multiple times with no response or update.
Product: Credit card or prepaid card

On XX/XX/2022, I received an email stating that a recent payment I'd made had been returned by my bank and asking me to make a replacement payment. Because I had autopay set up on my credit card account and because I knew there was plenty of money in the account, I was confused. 

I logged into my credit card account and a payment of {$41.00} had been returned by my bank. The payment had been made over the phone from an account that had been closed for 6 months. I did not make this payment. 

I called the customer service line right away and spoke with three people. They could not provide me with the phone number from which the payment was made. They would not let me hear the recording of the payment call, and could not tell me anything about the call. I pointed to my payment history, which has been via autopay from a different account. I expressed concern that my card might be compromised in some way. After more than an hour on the phone, I got one of the customer service reps to agree to open an investigation into the situation. 

Today ( XX/XX/2022 ) I received a written letter in the mail from my credit card company stating that " to remove any returned payment information or fees from your account, we'll need a signed letter from the financial institution. ''
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Product: Credit reporting or other personal consumer reports

I was stunned to find wrong accounts on my credit report tonightI have no idea where they came from. I regularly check my credit report, and everything has always been fine, but not this time. I even refreshed my browser, hoping it was a temporary issue, but the inaccuracies didnt disappear. Im really upset and am requesting that my submitted documents are reviewed in detail, so I can finally stop worrying about this ever happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports be noticed that i have multiple late payments on an account that i was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX [ # XXXX ] Please investigate and proved Proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Product: Mortgage

PHH decided, without asking me or receiving a request from me, to take over my homeowner insurance policy payment. I had a valid policy for homeowner 's insurance through XXXX XXXX, and PHH decided that PHH would to pay it. That is a problem for me, because PHH will charge me more money than XXXX XXXX did if I paid it on my own. Now, the insurance company says that they can't talk to me, that I have to talk to the mortgage company. The mortgage company says that I need to call my XXXX XXXXXXXX Trustee, who has nothing to do with the issue of the mortgage company taking over my homeowner 's insurance policy without my request, and without talking to me.
Product: Credit card or prepaid card

On XX/XX/2020 I paid my account down to a {$0.00} Balance. The account was a secured card account. On XX/XX/2020 I received a notice from XXXX  that Discover wanted me to consent to receive information from the IRS to verify information on my secured credit card account. The notice from XXXX  claims that my account with Discover Card would be closed in 14 days if I did not consent to the request to fill out IRS form 4506-T. I complied and filled out the form. I then attempted to use my card and it was blocked by Discover, I was not informed of this until I called them. I was informed that I had to wait up to 10 business days for the IRS to get back to Discover Card Before I could use my card. I was then blocked from accessing the account online. I needed a letter from Discover to give to my mortgage lender to confirm that the account was in fact paid to {$0.00} and Discover claimed that they were unable to provide me any information on the account until the IRS issues were resolved. Then after a second call to them and speaking with a manager I was told that they had to get a special department to lift the block temporarily so that a letter could be sent to me for my mortgage company. Then at XXXX XXXX on XX/XX/2020 I received an email from Discover that my account was closed because they were unable to verify information on my account. I called them and they blatantly refused to give me any information and specifically stated that the letter is the most information they can provide to me and they would not under any circumstances tel me what reasons or why specifically my account was closed. They denied me the secured credit card that I had for a few months and did not want to provide a reason. They promised to tell the credit reporting agencies that the account had been closed. I feel they discriminated and that their action amount to a sabotage of my credit rating that I diligently worked hard to obtain and they held the account from me with a {$700.00} secured deposit for reasons that they refused to tell me. Their actions are unfair, unreasonable and repulsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid a collection off in XX/XX/XXXX. The closed account reported a collections on XXXX of XXXX. I am trying to get this removed from my account. Please help me with this. I have reported this to XXXX XXXX and they said they did not report this, only the credit reporting agencies can change this. I reported this to XXXX XXXX XXXX XXXX, and all XXXX said it met their reporting standards even after I have called each reporting company twice to get this account removed or updated. I have filed a complaint with cfpb and this account has NOT been verified or updated. The account is XXXX XXXX. See attached documents. I would like this account removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information comprised in Equifax breech
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account number XXXX etc. has violated my rights. 
Account name : XXXX XXXX XXXX  Account number XXXX has violated my rights. 

Account name : XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX MAN Account number XXXX has violated my rights. 

Account name : XXXX XXXX  XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX Account number 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 an account without written my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items if information. Any other adverse of information, other than records of convictions of crime which antedates report by more than seven years.

15 U.SC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Debt collection

XXXX XXXX use a radios global solution llc to deb collector to get XXXX when I call they never answer and they put my credit so low I payed all ready mi cycle to XXXX  to other company and they leave XXXX line active with out phone and now they said I have to payed why they do that if when they give code or pin to move it is when you are good with your payment and is because your are moving to other company and your free
Product: Debt collection

XXXX XXXX, XXXX is the debt collector who keeps contacting me by phone, harassing calls and have reported this unverified to debt to all three credit bureaus. I have asked them several times to validate this debt per 15 USC 1692g Sec.809 ( b ) of the FDCPA guidelines and they have yet to do so. This collection has caused me to endure denial of credit, lowering my XXXX score and causes defamation of my character. XXXX sent my billing statements from XXXX XXXX and some redacted XXXX post early out flow sheet which doesnt validate this debt as l have requested on XXXX see attached letter sent and in their response dated XXXX
Product: Debt collection

Bank of America never called me to refer me to debt collection. In addition, they closed my account so i can no longer log in and pay or see anything. This restricts me from working on paying my card down and never mailed nor called.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out my first dispute on XXXX on a XXXX XXXX XXXX. I sent the letter certified mail and I also sent a follow up letter on XXXX about this same account and the error was not updated or deleted. In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This account it not.. I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate. 

Here is the letter I sent : I sent this letter to all 3 credit bureaus. I also sent this same letter again on XXXX and as of today XXXX the account has not been updated or deleted. 



XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX # XXXX XXXX ) Date of Last activity : XXXX reported date XXXX, Experian reports date XXXX and XXXX reports date XXXX. Please Delete this inaccurate information off my credit report. 


I attached a Copy of my credit report and highlighted to errors as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.