23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan depot free refinance guarantee. They Guarantee no lender fees if you use them again in the future to refinance your original loan with them. Upon speaking with them about the free lender fees I was told we saved you enough money so we will not be offering you free lender fees. The gentlemen I spoke with was on a recorded line when he stated that. No where does it mention if they save me money lender fees will need to be paid. On multiple occasions I received different explanations on why I would not receive the credit. I wouldn't have even used loan depot if this was the case, they kept delaying a response i had so much time invested i had no choice but to move forward. I have plenty of correspondences from loandepot on the matter.
Product: Debt collection

Debt collector FOSTER AND MONROE LLC Date opened XX/XX/2023 Original balance {$1300.00} Requested validation of the debt that Foster and Monroe are attempting to collect i request detailed breakdown of the charges including the original agreement for services, documentation of my payments, and any other relevant information associated with this collection i have also written to all credit bureaus requesting the same As required by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of the debt, including the following : Documentation that proves the debt is valid and that you have the legal right to collect it. 
A detailed explanation of any interest or fees added to the debt. 
I would like a complete and accurate record of any payments made on the debt, including the dates of those payments. 
The original creditor 's name and the amount owed. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am asking that you provide me with the following information : A clear explanation of the nature and amount of each interest and fee charge added to the debt. 
The basis for each charge, including any legal or contractual basis. 
Documentation or information supporting the validity of each charge A detailed description of the legal basis for your actions in collecting the debt, including any applicable laws, regulations, or contracts. 
Information about the statute of limitations for collecting the debt in my jurisdiction. 
Until I receive this validation, I dispute the validity of this debt and demand that you cease all collection efforts immediately from all credit bureaus. 
Please send this information to me in writing within 30 days of receiving this request. I look forward to your prompt response. 
Send copies of my ID and social security Letter sent XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Jefferson Capital Systems LLC reporting on my credit that I purchased a car from a XXXX XXXX  in XXXX Alabama. Upon contacting the company I was routed to multiple people that had no information to share with me about the account. After calling back again I was given a reference number and referred to another company. XXXX XXXX XXXX XXXX and was informed that I owned a XXXX XXXX XXXX. This time I was informed that the vehicle was purchased from XXXX XXXX XXXX in XXXX XXXX XXXX. After a spirited discussion with the representative I informed him that I purchased a car from another dealer and he could not provide any information from vin number to location of purchase and immediately offered a fraud alert. He refused to answer why they fraudulently used inaccurate information on my credit report and hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested my anual free report, but Global Payments Check Services LLC, Attention FACT ACT support department. Despite I filled out the request form and I sent all my ID documents required by the company, the answer of Global Payment was : BASED ON THE INFORMATION YOU PROVIDED US, WE HAVE NO MATCHING RECORDS IN OUR OPERATION SYSTEM. I left several messages in their phone, but this company never answered me. I believe this company does not want to give me my annual free report.
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 XXXX Original Creditor : XXXX  XXXX Account # : XXXX Account name : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Account name : XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and the above accounts without consent and I am being harassed and denied by banks and extension of credit for a debt I do not owe or have not been proven I owe I also understand if a company is reporting a charged off account to your credit report a 1099-C must be flied I haven't received any tax returns from this company I am asking that these accounts be reinvestigated and deleted off of my credit report immediately. I do Not owe theses debts and I am requesting a cease and desist immediately
Product: Credit reporting or other personal consumer reports

Hey there! 

I hope this message finds you well. I just wanted to reach out and discuss an issue I've been having with a list of accounts. It seems that these accounts have violated my rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ). 

I've already contacted Experian, XXXX, and XXXX on XX/XX/XXXX  to ask them to look into these accounts. 

However, they have informed me that everything is complete and accurate. I find this hard to believe, as there are discrepancies in the open dates, dates of last activity, and other important details. According to 15 USC 1681i ( 5 ), they should be making modifications to any accounts that are not reporting correctly. 

Furthermore, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is stated that no one should provide inaccurate information on to a consumer reporting agency. With this in mind, I kindly request that these items/accounts be removed immediately. 

I appreciate your attention to this matter, and I look forward to resolving this issue with your assistance. Thank you for your time and cooperation! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Warm regardsXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I accidentally deposit a personal check from another account with XXXX XXXX ( my  own personal account ) for {$500.00} only. I used the wrong checkbook from the wrong account. I call immediately to the bank to report the issue and then I went to the bank to let them know. The branch rep told me to wait until the transaction was posted. The fraud department decided to suspended my account without having any access to it. A week after ; I still can not access to my account, online, app anything and the fraud department still investigating that XXXX  transaction. I called this department 3 times and a very rude staff from overseas hang up the call on me. I have my direct deposit coming in tomorrow and they said that I can not access to my own money until the XXXX  I am so frustrated!! Help me please!!
Product: Credit card

Dispute XXXX. I bought XXXX pairs of pants from merchant XXXX XXXX. XXXX XXXX provided me with subpar clothing that ripped easily and were of completely different sizing ( some size XXXX fit like size XXXX, some size XXXX fit like size XXXX, etc ), I requested a return and XXXX XXXX provided me with a return shipping label. However package was lost in transit and XXXX stated they have an agreement with XXXX XXXX that it is XXXX XXXX 's responsibility to compensate me. 

XXXX XXXX responded to my dispute with a tracking number showing that the original XXXX pairs of pants were delivered to my house. This is completely irrelevant to my dispute. 

Instead, Citi ruled that XXXX XXXX is not responsible, and that I should be charged, despite XXXX providing documentation in support of my situation. 

I called Citi and yelled at them for siding with merchant, despite the fact that XXXX has clearly stated the merchant is responsible. They hung up on me and then a supervisor again stated they will refuse to refund me. 

My dispute with Citi is that they refused to look at any of my documentation, and furthermore they sided with the merchant who provided an irrelevant response. This is completely negligent.
Product: Student loan

I have attempted to put my student loans on auto pay and on a scheduled payment. My recent payment got reversed and is now overdue AFTER I got a confirmation email that it was paid. I did not receive communication on the reversal payment or the fact it did not go through. I has to log in ( now XXXX days past the due date ) and I fear my interest is accruing.
Product: Credit reporting or other personal consumer reports

All the credit bureaus is reporting on my criminal history and I got a notification of it popping up today the problem is with it is the XXXX  history the reporting on there including cases/ charges, that's no longer accurate due to an expungement in both municipal and common pleas of XXXX XXXX Ohio XXXX and they've already been asked in the past to file dispute and change that and when I spoke with experian on the phone they sent me to multiple different numbers and I gave up the last time until I came across this site. I have multiple XXXX  cases between XXXX and XXXX with XXXX XXXX of Ohio for municipal and common pleas court, I've had every thing expunged other than what is existing to date on the public access site for XXXX XXXX ohio
Product: Money transfer, virtual currency, or money service

on XX/XX/2019 I received a email from Skrill confirming a payment of {$100.00}. The body of the email was addressed to someone else showing a credit card number that was not mine. There does not appear to be any issues on our credit cards. I called Skrill for an explanation. I was told this was a payment and the person making the payment was the one that listed my email for confirmation. I have no knowledge of the person who made this payment or how they got my email. I have never had any dealings with Skrill.

Skrill said all they can do is erase my email from their data base and records. I ask to speak with security about this incident to be certain there were not other issues. I was told that would not be possible.

I am concerned that there could be some sort of scam or fraud at work here. Skrill was not offering to do any research into the incident.

It makes no sense to me that a person I have never heard of would have my email info and use it for confirmation of payment on Skrill, something does appear right about this.
Product: Student loan

Submitted form on studentaid.gov XX/XX/XXXX. Called to check on any information needed from me and status of SAVE plan form processing XXXX. Called XX/XX/XXXX to check in after XXXX business days ( how long they said it would take to process when checking previously ) to see status of processing and was told there was no timeline for processing.

Asked about the interest above my payment amount being waived if they take longer than the first month of payments since I am switching to the SAVE plan, and I was told that could not occur until I was already on the SAVE plan for that payment period. So, I will have XXXX XXXX of interest instead of ~ {$40.00} ( estimated SAVE payment ) until they process my form. I shouldnt have a XXXX XXXX penalty for each month it takes them to process my form. 
In the meantime, rather than switching me to the SAVE plan, they have moved me from the PAYE plan ( under $ 100 monthly payment ) to a level payment plan of {$810.00} per month.
Product: Credit reporting or other personal consumer reports

Despite my efforts of speaking with Experian workers for hours on XX/XX/2024, Experian was not able to resolve the issue of unauthorized inquiries on my report that violate my privacy. My privacy continues to be violated despite informing them of the unauthorized nature of the inquiries.
Product: Debt collection

Every Day I receive a Letter Stating to pay this Debt That This Debt Collector States that i owe I contacted Resurgent 0n XX/XX/2023 telling them to not contact me still i receive letters 15 USC CODE 1681c My rights as a Consumer has been violated 15 USC CODE 1692 FDCPA I am a Victum of Idenity Theft My SS Number has been used Twice with the IRS and My Consumer Report has been Greatly Affected
Product: Credit card or prepaid card

Have contacted the company and tried to get a card reissued in XXXX, XXXX and XX/XX/2023. I was informed that because the information the company has on-file for me is different from what my current address is they will not reissue a card. Nor will they provide an account number by phone so i could register my account for PAYMENTS, making it hard to make payments on-time. I also requested this account number by mail so that i could set up auto payments but the statement arrived and the account number was still masked. this makes it impossible to make my payments on-time. because they will not provide me with any of my account information on a account that is current and i am the only one making payments. This company is also reporting this wrong inaccurate address to the three major credit agency which is even more problematic for me due to this information being inaccuracy. The address that is being reported from this company is an address that I did not provide to this company. So how ever they obtained this information is not from me. The address I provided when I opened the account and the address I provided when I updated my account should be the only information this company should have and should only be reporting the information I provided. Not information they have obtained from an outside source. Not only are they not reissuing my card that works they are also providing inaccurate information to my credit report and I have tried to dispute this information however because I have an open account with smile generation and they are the ones providing this information my disputes have closed with adverse effects to my credit report because the information is wrong. which is also causing me to miss opportunities to establish better credit because what they are reporting does not match what it match on my applications.
Product: Credit card or prepaid card

Applied for XXXX XXXX US Bank XXXX XXXX card on XX/XX/XXXX after receiving offer for {$150.00} welcome bonus for spending {$500.00} in first 90 days of opening account. 

After meeting terms, I called on XX/XX/XXXX to inquire about receiving bonus. I was told i needed to provide the advertisement in order to receive the credit. 

The offer was through an online landing page, and no terms were provided after signing up through the promotional landing page. 

They are currently running the same promotion and have advertisements for applications received XX/XX/XXXX through XX/XX/XXXX. They will not accept this promotional advertisement as proof as the card was applied for on XX/XX/XXXX and it was a prior promotion.
Product: Credit reporting or other personal consumer reports

I just discovered unauthorized inquiries on my credit report this morning, and I have no idea why they're there. I review my report regularly, but this time, unexpected discrepancies appeared. I even refreshed my browser, thinking it might be a glitch, but the unauthorized entries remained. Please review the documents Ive submitted carefully, so I can put this concern to rest once and for all.
Product: Mortgage

Your support in this matter is appreciated in advance. I have two mortgages with Nationstar. Each loan is at least 10 years old to date. I have never missed a payment nor have I been late on either loan payment to Nationstar. When speaking with a lender recently who had run a credit report, I was alerted there were two " late mortgage payments '' showing on one of the loans for the months of XX/XX/XXXX and XX/XX/XXXX. I was quite upset to hear about this considering I monitor the status of my credit. When I checked my banking records, all payments in XX/XX/XXXX were paid on time. When I called Nationstar to inquire about this I was informed the loan amounts had changed ( escrow and interest ) and my payment was short not late. I was not aware of the change and was surprised this had occurred and was not notified. From what I recall from my original note, partial mortgage payments were not accepted. I should have received the original check back to me notifying me the payment was incorrect and not accepted. I then would have been informed of the shortage, made sure it was taken care of, and would not have this infraction on my credit. Often I receive from Nationstar a special delivery notification ( XXXX XXXX or other overnight delivery ) about considering to refinance my properties. If this is the case, why was I not sent an overnight alert of importance to tell me about the shortage payment on my loan? Maintaining my credit score is very important to me and has been for over 30 years I have established credit. I have paid 5 ( and two second mortgages ) mortgages faithfully since the XXXX housing market crash and felt quite proud that I never have been late nor had to walk away from a mortgage. In summary, I want to have the late payments removed from my credit report and should a change occur in my loan, I would appreciate, given my payment history, to be notified first before affecting my credit standing. Thank you. XXXX XXXX
Product: Credit card

I have been calling Amex for over a year about an identity theft issue of an opened credit card. I have verified that they have been untruthful and deceptive when helping me resolve this issue. 

I have spent 10-20 hours a week for over a year calling and taking to Amex about this problem. No resolution has been offered from Amex to date. 

I have asked repeatedly for information about the charges and how the account was opened. No information has been provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This message was not sent in error, I am a consumer by law and my information is being misused and as a result I have faulty not 100 % error-free accounts on my credit report. Unapproved use of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with XXXX XXXX on my credit report is reporting incorrect information that I have disputed several times with Experian. The balance is reporting as {$830.00}. The past due balance is reporting as {$1100.00}. This information is not right. THERE IS NO WAY THE PAST DUE BALANCE IS MORE THAN THE BALANCE. I have already disputed this information and Experian did not correct the information or delete the account. They allowed the company to verify this OBVIOUS inaccurate information as accurate. ALSO, the account payment status is reporting as 180 days past due, but the account has been charged off since 2018. How is the account 180 days last due??? This is CLEARLY WRONG. I have disputed this information several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

A derogatory record appeared on my account posted by CBNA indicating a card over limit. I do not have any cards with CBNA and none of my existing cards are over limit. 
The credit report is posted incorrectly and must be removed from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

I am writing in response to the ongoing matter related to CFPB complaint number XXXX regarding my concerns with XXXX XXXX XXXX 

Upon receipt of the documentation provided by XXXX XXXX, it has become apparent that there are significant discrepancies between the alleged balance reported for account XXXX and the information contained in the paperwork sent to me. The balance on my credit report does not align with the documentation, raising further concerns about the accuracy of the reported information. 

Additionally, I would like to emphasize that, based on the statute of limitations in the state of Texas, this debt has been deemed uncollectible since XXXX Therefore, the continued reporting of this debt is not only inaccurate but also in violation of the Fair Credit Reporting Act ( FCRA ). 

Given the substantial discrepancies and potential FCRA violations, I must insist on the removal of this account within the next 7 days. I have attempted to address and rectify this situation, but the disparities persist. 

To provide clarity and evidence, I will be attaching my credit report to this communication, highlighting the inconsistency in the reported balance and supporting the claim that this debt is, indeed, uncollectible. 

I trust that your prompt attention to this matter will lead to a swift resolution. However, if the account is not removed within the specified timeframe, I regrettably inform you that I will have no choice but to pursue legal action to seek both compensation and justice for the violations incurred. It is public knowledge that XXXX XXXX has been involved in numerous lawsuits related to failing to truthfully report to the credit reporting agencies payments made by consumers, accurate account balances, or consumer disputes of false reporting. The credit bureau furnishing this incorrect information will also be included in the lawsuit.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( XXXX  ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Bal. {$270.00}, XXXX XXXX XXXX XXXX Bal. {$2500.00}, XXXX XXXX XXXX Bal. {$730.00}, XXXX XXXX XXXX Bal. {$4600.00}, XXXX XXXX XXXX  XXXX  XX/XX/year>
Product: Checking or savings account

Was a victim of fraud. Refused to refund the money after all documents were provided. The continue to ask for documents that fraudsters don't provide.
Product: Debt collection

I did not authorize my personal medical information to be shared by the orginal company XXXX XXXX XXXX XXXX shared to 3rd party debt collector. This is a direct violation of my rights through a hippa violation and I want this deleted immediately!