23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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
Product: Debt collection

I sent a letter in for debt validation, the company did not get back to me with the information requested regarding account.
Product: Mortgage

This is a response for case number XXXX. I am unable to gain access to the established account. To recap, I was diagnosed with XXXX XXXX around XXXX. Initially, I did not have insurance. The medical costs placed me in a financial deficit that also resulted in pre-foreclosure. Through the good graces of the Florida Hardest Hit Fund, I was able to keep my home. XXXX is the mortgager and XXXX is the servicer. However, XXXX sent me an account statement dated XXXX XXXX, XXXX ( see attached documentation ) indicating that total amount ( arrears plus principal ) due was {$28000.00}. On XXXX XXXX, XXXX XXXX paid XXXX {$8500.00}. I received account statement dated XXXX XXXX, XXXX indicating that total amount due after application of the XXXX XXXX, XXXX disbursement was {$23000.00} with a monthly payment of {$230.00}. On XXXX XXXX, XXXX, XXXX paid XXXX {$12000.00}. I received an XXXX XXXX, account statement indicating a monthly payment of {$230.00} and principal balance of {$13000.00}. The XXXX XXXX, XXXX, statement showed a monthly payment jump to {$310.00} even though all required payments including monthly mortgage, were made on time. It also reflected continued extraction of escrow payments for PMI, taxes and insurance even though I had paid all taxes on the property on time from the inception of the loan ( see attachments ). The only proof of insurance provided by XXXX was effective XXXX XXXX, XXXX, after I had submitted my initial complaint to the CFPB.. After submission of the complaint to the CFPB, PMI was dropped without credit for previously incorrectly extracted funds and monthly payment per the XXXX XXXX, statement increased to {$990.00} ( see attached ). At inception my mortgage was approximately {$130.00}. XXXX has levied charges for items such as {$430.00} for property repairs that never happened. I have lived in this property since inception. I repeat for emphasis, that I believe that XXXX and XXXX is attempting to steal government funds and force me back into foreclosure. Please take a close look at the documents I have provided. I am trying to determine the fair principal and monthly payment owed after the correct application of FFH funds. I need all escrow charges refunded to me as they were applied incorrectly at best, fraudulently at worst. They did not pay property taxes. I did ( see attached documentation ). Nor, have they provided proof of insurance effective prior to the date of my complaint to the CFPB. How can monthly payments fluctuate so dramatically at the whim of the servicer on a fixed rate mortgage that is not in default? PLEASE HELP!
Product: Credit reporting or other personal consumer reports

XXXX Inquiry : XXXX XXXX XXXX  + Miscellaneous XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX GREAT AMERICAN XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX CAPITAL ONE Inquiry : XXXX XXXX XXXX  + Bank ( XXXX ) XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX XXXX XXXX I did not authorize any of these inquiries.
Product: Credit card

FIT Mastercard has yet to update my account details & balance reflecting my minimum monthly payment due of {$55.00} and XXXX XXXX interest rate. I've contacted FIT Mastercard customer service department numerous times and have spoken with multiple representatives about this matter since XX/XX/2024. 
Every month when I go to make my monthly payment, my account balance as well as the minimum payment due amount is incorrect. As of today, XX/XX/2024 about XXXX, I spoke with a representative by the name of XXXX who stated that I am still being charged an interest rate of XXXX XXXX and late fees! 
XXXX stated that he does see I was enrolled and have been on a special payment program since XX/XX/2024. But he does not know why my minimum payment due & account balance has not been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. CCS COLLECTIONS I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.

Thank you for your time and help in this matter.
Product: Mortgage

I have a VA Loan with Loan Depot. I set up autopay with them since XXXX. Every XXXX of the month they De it my checking acct at XXXX XXXX XXXX. XX/XX/2020, XX/XX/2020 went fine. Without telling me they shut off my autopay and never told me my payments were not paid for XX/XX/2020 and XX/XX/2020. Since then I discovered the problem on my own and had them Debit the same XXXX XXXX XXXX acct for both past due payments. They then reported me to the Credit Agencies and now want Late Fees and are threatening me with Foreclosure.
Product: Debt collection

Nathan and Nathan PC failed to fulfill their commitment as agreed upon. The amount of {$2300.00} was set to be pulled on the agreed-upon date, but despite their assurance that the payment would be processed the next day, two weeks have now passed without the transaction being completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax grossly mishandled their responsibility to protect my sensitive personal information, which has led to a security breach that puts myself and millions of others at potential risk. As if that were n't enough, their handling of the subsequent fallout has been incompetent. I am extremely disappointed with how Equifax has handled reporting this breach. Nothing was done notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via XXXX. The extent of their attempt to address the issue and support those affected was a website where you have to input the last 6 digits of your SSN and your name. Even  then, this website returns random results, like a message when saying I had been affected when I put in " Test '' as a  name and " XXXX '' as an address.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB THIS IS NOT A DUPLICATE : Santander Consumer USA Inc, over-stand me when I say this is my final order or you will be sued in Federal Court at the very second Santander dishonor this Order you will be sued for the maximum the Federal Court allow me to with prejudice!!!!!!!!!!!!!!!!!!!!!!!!! 

All persons mentioned can all be tied into XXXX A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. As I all documentation evidence of Santander, XXXX, XXXX XXXX activities the CEOs and CFOs of each company mentioned shall be held accountable.
Product: Credit reporting or other personal consumer reports

I have been trying to access my online Equifax account and also request my annual credit report from Equifax for the last 3 years and I consistently receive an error message. Today I tried to freeze my credit report but I am continuously being denied access due to a system error/glitch. Called the XXXX customer service line numerous times only to wait on hold forever and/or get disconnected by being transferred here and there, get sent on a wild goose chase only to still not be able to access my account. Has there been a system wide Equifax online glitch? This is unacceptable especially with the increased prevalence of fraud and identity theft. I just want access to my information to freeze my account. Why is this a XXXX XXXX XXXX XXXX  No issue with the other XXXX credit bureaus.
Product: Checking or savings account

Someone named XXXX XXXX received a debit card mailed to my address. As I have been living here since XXXX ' and do not know XXXX XXXX I believe this to be an account that was setup fraudulently. I reached out to the issuing company and they have repeatedly pointed me to a phone number that is an automated system for their existing customers. Once I call in I get to a point where the automated system is requesting a social security number to proceed. I do not have any connection to this company outside of them mistakenly issuing credit to someone based off of a fraudulent application, I have no reason to provide any personal information to them. The people that I have been in contact with have been less than helpful and do not seem to be concerned about this issue.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX are all reporting inaccurate personal information on my credit profile.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681b PERMISSIBLE PURPOSE and Aggravated Identity Theft under 18 U.S.C 1028 A. 

******I sent a letter to EXPERIAN XXXX XXXX XXXX and XXXX XXXX reinvestigate these accounts that are reporting illegal transactions late payments. XXXX refused to investigate. Please see attachment XXXX LETTER I am aware that transactions may be applied to the consumer account as per XXXX LETTER. This applies ONLY if the consumer gives WRITTEN consent to do so. Remove these accounts below immediately. 

******15 U.S.C 1681 A ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report *****Accounts in dispute pasted 30 days : XXXX XXXX XXXXXXXX ( EXPERIAN, XXXX ) XXXX XXXX XXXX ( EXPERIAN, XXXX ) XXXXXXXX XXXX XXXX XXXX ( EXPERIAN, XXXX ) XXXX XXXX XXXX EXPERIAN, XXXX ) XXXX XXXX XXXX EXPERIAN, XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX ( COLLECTIONS ACCOUNT ) ALL reporting XXXX XXXX XXXX XXXX XXXX has performed Aggravated identity Theft according to 18 U.S.C 1028 A. To obtain information from my report without my knowledge or written consent to furnish an account on my behalf. This is another violation of 15 U.S.C 1681 N. Remove this account immediately. 

*****18 U.S.C 1028a ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

*****15 U.S.C 1681 b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instructions of the consumer to whom it relates. 
*****USPS TRACKING NUMBERS : XXXX EXPERIAN XXXX ( XX/XX/XXXX  ) XXXX XXXX XXXX ( XX/XX/XXXX  ) XXXX XXXX XXXX ( XX/XX/XXXX  )
Product: Mortgage

I fell behind on mortgage due a loss income, increase in expenses and divorce. I contacted XXXX XXXX XXXX in XXXX XXXX, Michigan. I was working with XXXX XXXX who was one of their financial counselors. She helped complete a lost mitigation application and it was submitted on XXXX XXXX, XXXX. Carrington kept requesting documents that were already submitted. This was n't the first time they have done this to me when submitting a loss mitigation application. I filed a complaint with CFPB back in XXXX of XXXX regarding the same issue. Complaint number XXXX. All the documents that were requested were sent on XXXX XXXX, XXXX. XXXX XXXX took over my case at XXXX XXXX XXXX. He contacted Carrington on XXXX XXXX, XXXX and was informed that my case had been closed because I did not submit the documents that we were being requested which were sent on XXXX XXXX. XXXX suggested to resubmit a new application since Carrington had already closed my case and they were n't willing to re-open it. A completed application was submitted on XXXX XXXX, XXXX. I have attached a copy of the entire application. I was told on XXXX XXXX, XXXX that my case was close because I submitted an incomplete application. XXXX contacted Carrington and was told that I was missing the following : -Recent paystubs ( which are on pages XXXX ) -Bank Statements ( which are on pages XXXX ) -Letter stating how many household members are in the house ( which is on page XXXX XXXX paragraph. This information is also listed on my food stamp benefit letter found on pages XXXX. ) I did not receive a written notice or email stating that this information was missing ( even though this information was not missing. ) I think that what Carrington is doing is unfair to me and all the work that XXXX XXXX XXXX has put into my case. They have been giving me the runaround for over a year and they have closed my case twice for invalid reasons. I am asking Carrington to review my application completely and to read and pay attention to all the documents that are submitted. This will be 4th time applying for loan modification. All I want is to ensure that my kids and I have a place to live. Thank you for taking the time to review my complaint. I have attached my completed application from XXXX/XXXX/XXXX and the fax confirmation stating that my application was received.
Product: Credit reporting or other personal consumer reports

In, accordance with the Fair Credit Reporting Act Equifax information Services LLC has violated my rights. Inaccurate reporting 15 USC 1681. Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( Equifax ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance. In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. I have XXXX accounts that are considered fraud with illegal transaction history and reporting a Certificate of indebtness which is also illegal. 31 U.S. code 3104, 26 CFR 301.6312-1 Section 61 ( a ) ( 12 ) Section 108 ( a ) 1. Equifax has numerous inaccurate reporting for account Upgrade the balance is reporting as {$5800.00}, but other agency is reporting differently, open date is XX/XX/XXXX which is different from XXXX and XXXX. Last time verified for the account is showing no data, date of last activity of equifax is XX/XX/XXXX which is also reporting differently from XXXX and XXXX. Close data showing no data, term length is showing XXXX  months different than other XXXX reporting agencys. XXXX XXXX XXXX XXXX, balance {$23000.00}, open date XX/XX/XXXX. XXXX XXXX balance : {$1800.00}, date : XX/XX/XXXX. XXXX Bank balance : {$1000.00}, open date XX/XX/XXXX. XXXX XXXX XXXX bank XXXX XXXX XXXX {$4000.00}, open date XX/XX/XXXX. XXXX XXXX XXXX open date XX/XX/XXXX. XXXX XXXX XXXX  XXXX XXXX  balance, {$2000.00}, open date XX/XX/XXXX. XXXX XXXX XXXX balances {$1800.00} open date XX/XX/XXXX. XXXX inquiries. XXXX XXXX  XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. These are fraud addresses that are not mailable please delete. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX. XXXX XXXX XXXX XXXX, La XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX XXXX XXXX Tx XXXX. I did not consent nor authorize Equifax or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. Equifax and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report. Per the FCRA, as a federally protected consumer. I am now opting-out of any and all authorization. I am now opting- out of any and all authorization. I, the consumer, may have given you written, unwritten, and non verbal per 15 USC 6802. 

Delete in 4 days or pay me the {$1000.00} per violation.
Product: Credit card

Hard inquiry for CITBANK NA., BEST BUY XXXX XXXXXX/XX/year>. I contacted CITBANK NA., BEST BUY they could not find anything on this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried so may times to have this account remove from y credit report, every time the credit bureaus remove the account XXXX  put it back on there. they claim that i owe {$110000.00} witch is impossible.i have proof of how many time this account has been removed and put back into the report, this account has created a huge problem financially. and also a few other accounts that i know nothing about that the credit agencies refuse to remove from my credit report such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. i simply ask that these ithems to be remove from my credit report thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a new car that I have been making payments on that was not part of my CHP XXXX financed through Ally Bank. I have been making payments on time since XX/XX/XXXX. I contacted Ally who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the credit reporting agencies are reporting as part of my CHP XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been with XXXX XXXX XXXX for approximately three years, having paid roughly {$2600.00} throughout that period with, only XXXX % of my negative information removed in a timely fashion. Presently, I am investigating the depth and nature of the work completed on my case. From XXXX XXXX, XXXX XXXX firms paralegals informed me that XXXX, XXXX, and Experian ( the entities that are the subjects of contention in this complaint ) provided responses that consisted of the descriptions " verified '' or " is verifiable. '' These terms merely constitute as semantics and do not provide substantive evidence to me, as the consumer, that the reporting of these items are accurate and valid. The credit bureaus, XXXX XXXX, and Experian, have repetitively refused to identify the parties that verified the negative listings, nor have they produced to me in writing, the name and contact information of the creditors or courts reporting the listings. This negligence has led to considerable damage and challenges in securing lines of credit from creditors, qualifying for apartments, and other necessities. On XX/XX/2020, I sent to each one of the credit bureaus a formal request in writing and, with my signature, a request to be provided with specific information concerning the creditors or courts they claim to have substantiated the listings. Experian refuses to dispute the items in question again, despite the insufficient information they've disclosed on my credit reports and no formal letter received outlining the findings of their investigation. I am requesting that all three credit bureaus comply with providing the information I am requesting per the Fair Credit Reporting Act, 15 U.S.C. 1681. By this law, if the credit bureaus can not produce the names of the entities and contact information to the affected consumer, then the credit bureaus are responsible for removing the disputed listings. In addition, I have a right to sue and seek damages if ( 1 ) details pertaining to the validity of the listings can not either be disclosed in writing to the affected consumer ( me ) or ( 2 ) the bureaus insist on using semantics as a disparaging way of discouraging the responsibility of the consumer ( me ) to exercise ( his ) right to ensure that all reporting is in compliance with Federal laws and regulations.
Product: Credit card or prepaid card

Discover on XX/XX/2021 drafted out of my checking account for a payment of {$100.00} this wasn't authorized by me. After with my bank paid the item but charged me {$35.00} overdrafted fee and now my account is negative. Talked to rep on XX/XX/2021 at Discover and after review stated it was their error and I should call the bank and explain. Also stating that Discover will send a check to me for the amount of {$100.00} for the error. Now not only was this not authorized but I made a payment of {$500.00} just prior to the XX/XX/XXXX. This is a great inconvience to me and can't use my bank account now because if I deposit money it will go towards the negative balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report with XXXX and XXXX XXXX XXXX, it has been well over 30 days and I haven't received any investigation results.