23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I 'm very perplexed that after me fighting for my home i was granted an n house modification by nationstar mortgage but problem i have is that I 've never spoken with this loan specialist that was a singed to my file he only left me massages without explaining what i needed to do or what type of loan i was getting he just left a massage telling to sign and the money back with the documents so i hire an attorney to look over the document cause i did n't understand what the adjustable arm entailed which is my right i want my home i want to be treated fair i work everyday and can afford my home i just do n't want to be back in the same situation that i already in my attorney he sent the documents with last week please correct the problem so i can move forward and give me some who 's going to return my call as well as speak with when theres a problem i have a signed agreement i do n't want to deal with XXXX XXXX who want speak with me directly its always has been through massage and this is n't business when i need answers right then and there
Product: Credit reporting or other personal consumer reports

Notified this morning from my credit monitoring company that my XXXX Credit report had a new inquiry from CB Indigo ( a personal credit card ). I did not apply for this credit card.
Product: Mortgage

Received a letter today, XX/XX/XXXX that was dated XX/XX/XXXX that said they want to work with me to avoid foreclosure. Also received on XX/XX/XXXX that was dated XX/XX/XXXX stating they wanted a payment for the full amount I owe.
Product: Debt collection

I provided clear statements that I was disputing the unauthorized debt to XXXX, Experian, XXXX, XXXX XXXX and XXXX XXXX XXXX. Please see the debt validation letters attached dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, final attempt on XX/XX/XXXX with the XXXX XXXX # XXXX, asking for specific details about the debt being reported inaccurately. I reached out to all of these reporting agencies around XX/XX/XXXX, and received a letter attached online, saying they were going to investigate, but I still have not received anything in writing to show what course of action ( XXXX ) were taken, or anything given from them to say what they were using to determine how they investigate and/or how they came to a conclusion/findings. Under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to investigate the accuracy of the listing. I requested to be supplied with the valid data used by using the Federal Trade Commission ( # XXXX XXXX and XXXX ) letters given when I reported my identity, emails, Driver 's License ( ID ), accounts created, and money being stolen. Police Report Numbers XXXX and XXXX, were also attached. XXXX XXXX XXXX, the debt collector, failed to validate the debt despite a certified letter request, received the signed return receipt back in XX/XX/XXXX. The debt is listed under XXXX XXXX. I outlined all records to be sent to me. XXXX failed to respond to debt validation and findings for fraud. They only provided the single-page letter dated XX/XX/XXXX, referring back to the unauthorized company. XXXX XXXX XXXX failed to validate the debt and is prohibited from engaging in business in XXXX  under XXXX XXXX XXXX Section 392.101. XXXX XXXX, debt collector is not licensed/registered in the State of XXXX, and have been reported to the XXXX  Attorney General. Experian closed the report without their findings and the information I requested.
Product: Debt collection

Subject : Dispute of Inaccurate Information on My Credit Report Social Security Number : [ Last Four Digits : XXXX ] I am writing to dispute the accuracy of several items listed on my credit report. These items are either incorrect, unverifiable, or outdated. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify all accounts listed on a credit report through the physical verification of the original signed consumer contract. If no such verification exists, the accounts must be removed. 

I request verifiable proof, including the original signed consumer contracts, for the accounts listed below. Your failure to positively verify these accounts has adversely affected my creditworthiness. Under the FCRA, unverified accounts must be corrected or removed. 
Midland Credit Management ( Original Creditor : XXXXXX/XX/XXXX) Account Number : XXXX Dispute Reason : Collection accounts can not report as past due since the account is closed. 


I have enclosed a copy of my credit report, highlighting the disputed items for your reference. Please conduct a thorough investigation of these accounts and provide a written response with your findings. If you are unable to verify the accuracy of these accounts, I request their immediate removal or correction. 

Thank you for your prompt attention to this matter. I look forward to resolving these inaccuracies at the earliest convenience. 

Sincerely, XXXX XXXX
Product: Mortgage

Loan service provider SPS Select Portfolio Servicing ( XXXX ) XXXX mistakenly under paid property taxes out of my escrow account totaling {$3200.00}. This error made me incur a penalty of {$1000.00} with the city of XXXX XXXX. I've tried to get them to rectify and issue me a refund but they have refused. I've called them a dozen times and they give me the run around.
Product: Credit reporting or other personal consumer reports

I was incarcerated at the Minnesota Department of XXXX from XX/XX/XXXX to XX/XX/XXXX. I was recently released from prison on XX/XX/XXXX. I was incarcerated for 21 years. Theres recent derogatory items, delinquencies, credit inquiries, bank accounts, addresses, cell phone numbers and email accounts listed on my XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX thats fraudulent derogatory items, delinquencies, inquiries, bank accounts, addresses, cell phone numbers and email accounts from the result of identity theft. I was in prison for 21 years and was just released on XX/XX/XXXX, so all of the information on my consumer and credit reports is fraudulent and is the result of identity theft. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Checking or savings account

I disputed two transactions with my credit karma bank account on XX/XX/2022 in the amount of {$200.00}. Both {$200.00} transactions were not authorized. I kept in contact with the bank and on XX/XX/2022 I received an email at XXXX. Saying that my account will be receiving my refund on XX/XX/2022. When the refund didnt hit my account I called. The man I talked to said there system had crashed and they cant do anything to call back in an hour. I did. They then said they now denied my claim at XXXX. They denied my claim because i I am responsible for all authorized users. He is not an authorized user after telling them this they then locked and closed my accounts.
Product: Debt collection

Disputing the inaccurate, misleading, and potentially unlawful reporting of the following collection account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies are legally required to ensure that all information reported is accurate, verifiable, and fair. The reporting of this account contains multiple errors and potential violations that must be corrected immediately. Debt Buyer : XXXX XXXX XXXX Original Creditor : Indigo XXXX Account Number : XXXX Date Opened : XX/XX/year> Disputed Errors : Unverified debt collection reporting. Incorrect past due balance reporting. Failure to validate debt upon request. Potential illegal re-aging of the account. Possible violation of IRS regulations if a 1099-C was issued VIOLATIONS OF FEDERAL LAW : Unverified Debt Collection Reporting FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ) XXXX XXXX XXXXc is a third-party debt buyer with no documented proof that this debt has been validated as required by law. FCRA and FDCPA prohibit the reporting of an unverifiable debt. 2. Inaccurate Past Due Balance FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) The report states a past due balance of {$1200.00}, which is the same as the original balance. If XXXX XXXX XXXX purchased this debt for less than the original balance, they can not legally report the full original amount owed unless they provide documentation proving they are entitled to collect the full amount. Adding unauthorized fees or interest would be a violation of FDCPA ( 15 U.S.C. 1692f ( 1 ) ). 3. Failure to Validate Debt Upon Request FDCPA 809 ( 15 U.S.C. 1692g ) XXXX XXXX XXXX did not provide the original signed contract, itemized payment history, and clear proof of debt ownership, I've requested them to cease collection efforts and remove this account from my credit report. I demand immediate removal or written validation of this debt immediately. FCRA 605 ( c ) ( 15 U.S.C. 1681c ( c ) ) If XXXX XXXX XXXX has changed the date of first delinquency to make this debt appear newer, this is an illegal practice known as re-aging, which extends the negative impact of the account beyond its legally allowed reporting period.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Close : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Late Open : XXXX XXXX XXXX Balance : {$2200.00} XXXXT XXXX Balance : {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$4900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$2700.00} Date XXXX Charge-Off : XXXX XXXXXXXX Balance : {$10000.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate late payment reporting on my credit report. After thoroughly reviewing my records, I have confirmed that these accounts were paid on time. The erroneous reporting has negatively impacted my FICO score, and I demand an immediate correction.

Under 15 U.S.C. 1666b, I am entitled to a fair and accurate investigation of this matter. I expect a prompt review and correction of these accounts to reflect their actual payment status.
Product: Student loan

I am having difficulty getting timely response from my loan servicer, FedLoan Servicing, regarding an error they made in processing Public Service Loan Forgiveness Employment Certification. 

In XX/XX/XXXX I submitted the Employment Certification form in anticipation of qualifying for Public Service Loan Forgiveness in XX/XX/XXXX. I received a response in XXXX where FedLoan Servicing failed to certify payments made from XXXX to XX/XX/XXXX that should count toward the requirements for Public Service Loan Forgiveness. I have spoken to FedLoan servicing monthly since XXXX regarding this issue. They have informed me that these payments werent certified due to an error made by their automated system in their initial review which listed payments from this time period as occurring prior to consolidating my loans with a Direct Consolidation Loan. In fact, I consolidated in XX/XX/XXXX. 

They have informed me that in order to correct the error they will have to review these payments manually and can not give me a timeframe for when this review will be complete. They have stated that it can take several months. They can not provide any additional information about steps that have been taken to correct their error. Despite the error occurring during their review, they have consistently blamed the delay and inability to provide more information on response time from previous loan servicers. 
I have asked directly about mechanisms to formally lodge my dissatisfaction and been told that all they can do is flag my account to show that I am not happy with the time it is taking to correct their error. 

I find their inability to accurately review paperwork and correct their errors in a timely manner and their inability to provide useful information regarding the status of a review including any commitment on their part to meet a deadline unacceptable. 

FedLoan Servicing and the Department of Education have been subjected to quite a lot of negative press regarding their poor performance in providing their clients accurate information and processing paperwork accurately and in a timely fashion. This negative press is well-deserved in my experience. I also find it troubling that they can not provide their clients avenues for providing feedback regarding their experience, nor can I locate anything on their website to provide feedback. It appears that they have no interest in improving their performance in these matters.
Product: Bank account or service

I have both checking accounts and a credit card with USAA. My USAA credit card was declined on or about XXXX XXXX due to a fraud alert placed by USAA. I called to have the fraud alert removed. The following day I again attempted to make purchases on my credit card and it was declined for a fraud alert. USAA had failed to remove the fraud alert even though I had wasted my time on the phone with them to remove the alert. The payment processor, XXXX after multiple failed attempts defaulted to my checking account.I would like to reiterate this as it seems to have been lost on everyone at USAA, the direct causation of XXXX attempting to withdraw from my checking account is due to the failed credit card transactions due to a fraud alert they placed and failed to remove when called. 
I have filed multiple complaints with USAA and spoken to them numerous times and they have not refunded the NSF fees. This is horrible customer service and fraudulent as the fees were caused by their actions.
Product: Credit card or prepaid card

I have a XXXX card ( XXXX XXXX XXXX XXXX ) with two lines of credit, one for in store use and the other for use wherever XXXX XXXX cards are accepted. I missed a {$5.00} payment on the card which was due XX/XX/18 for a product I ordered online at XXXX on XX/XX/18. Once I received the XX/XX/18 bill in the amount of {$7.00}, which had a {$2.00} fee included, I paid the bill on XX/XX/18 instead of on the due date of XX/XX/18. Now in XX/XX/2018, although I had no purchases on the card since the {$5.00} purchase incurred on XX/XX/18, I received another bill for a {$2.00} fee. I called XXXX and they waived the fee and the associate told me that it was interest accruing up to the date I made the payment. I do not understand how it is interest and the amount was not noted under interest, but noted under fees. Also, if I get a bill that note {$7.00} must be paid by a due date and the {$7.00} was paid by that due date, I would not expect to receive a bill in the next month for interest accrued up until the day the payment was made, unless it is stated clearly on the statement that actual amount due is greater based on interest accrued daily and to call XXXX for actual payoff amount. Otherwise, the fees will be repeated ( never ending ) each month due to daily accruing interest. I also could not figure out how they arrived at the amount for balance subject to interest. I think the statement ending XX/XX/18 was misleading and the practice of charging fees after a balance was paid on time and in full is deceptive.
Product: Debt collection

Universal AcceptanceXXXXCar XXXX XXXX XXXX XXXX MN the account was closed on XXXX XXXX its XXXX old it should have been dropped off my report, I paid it off in XXXX  it should have been off my report.
Product: Credit card or prepaid card

An authorized user on my Citi card account used my Citi credit card to pay for a car service ride from XXXX XXXX to the XXXX XXXX XXXX NY XXXX on XX/XX/2023. This is roughly a XXXX XXXX XXXX XXXX. The car company, showing on my credit card statement as XXXX XXXX XXXX XXXX NY ' , quoted {$85.00} for the ride. The credit card was provided for payment without the amount being shown on a payment device. A receipt was requested, however the driver said he did not have a paper receipt and he would email the receipt. An email address was provided, however receipt was never received. We were given no other detail on the business, no business card, no company name, or no way to contact the car service. 
When the charged showed up on my account, it was for {$920.00}, which was {$840.00} more than was quoted for the service. This was an obvious fraud/theft situation that I expected would be resolved by Citi. 
I disputed the charge with Citi on XX/XX/2023, the same day I was made aware of the charge. 
On XX/XX/2023, I was notified that my dispute was denied because I was unable to provide any documentation or receipt of the charge. 
Without any means to contact the car service company, Citi provided me with a phone number that they had for XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX. However, this phone number is actually the customer service phone number for XXXX, and has no affiliation with this car company. Another red flag that I would think would make this an obvious fraudulent charge. 
Citi would not provide me with any detail about the car service company, their issuing bank, or anything. They instructed me that my only recourse was to call the Better Business Bureau. Unfortunately, I can't file a BBB complaint about a company whose name I don't know, and whose phone number is fake. 
While this was clearly a fraudulent charge, Citi does not consider this to be a fraudulent charge because we purposely transacted with the company, regardless of whether the charge amount was what we verbally agreed to. At this point, I don't have any recourse with Citi, and have no recourse with the car service company because I can not identify them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXXXXXX 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 an account without my written consent and instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Debt collection

I hope this letter finds you well. I am writing to express my concerns regarding the ability of credit bureaus to accurately determine whether a client is a victim of identity theft. While I understand that credit bureaus play a crucial role in maintaining the integrity of credit reporting, it is essential to acknowledge that there are certain limitations in identifying identity theft solely through traditional credit monitoring processes. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

Identity theft is a pervasive problem in our digital age, and its methods are becoming increasingly sophisticated. Despite the best efforts of credit bureaus to detect suspicious activities and protect consumers, there are several reasons why it can be challenging to definitively determine whether a client has fallen victim to identity theft : XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I believe it is essential for credit bureaus to acknowledge these limitations and explore more robust and proactive measures to protect consumers from identity theft. These measures could include increased data sharing and collaboration among financial institutions, more comprehensive identity verification processes, and enhanced monitoring for non-financial forms of identity theft. 

In conclusion, while credit bureaus play a vital role in the financial ecosystem, it is important to recognize the inherent challenges in definitively determining whether a client is a victim of identity theft solely through traditional credit monitoring processes. I urge you to consider these limitations seriously and work towards developing more effective strategies to protect consumers from the ever-evolving threat of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureau via phone and XXXX XXXX  since XXXX of 2022 regarding multiple unauthorized inquiries submitted on my personal credit report. 

I have advised that not only did I not authorize the requests, I also informed the credit bureau that I have been a victim of identity theft in the past which proper documentation has been provided to the bureau along with a police report, but I also have been a victim of multiple data breaches which they have been made aware of also via XXXX XXXX, with Equifax being one of those credit reporting agencies who notified me of their own data breach.
Product: Credit reporting or other personal consumer reports

*To update status to all credit reporting * delayed processing XXXX XXXX XXXXXXXX transunion