23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The list a list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681 did XXXX report on XX/XX/year> and noticed somethings are a complete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares if you follow reasonable procedures to XXXX maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC1681 ( e ) ( b ) and according to 15 USC 16815 they are supposed to do this ( 5 ) inaccurate or unverifiable information ( A ) in general if after any navigation on the paragraph ( 1 ) of any information disputed by the consumer, and item of this information is found to be in accurate or incomplete or can not be verified, the consumer report agency shall ( 1 ) probably delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation, and ii ) probably notify the porsha of that information that the information has been modified or deleted from the file on the consumer. And according to 15 USC 1681s-2 they are not to furnish any information relating to a consumer reporting agency it all has reasonable believe that the information is inaccurate. 



XXXX XXXX XXXX # XXXX
Product: Mortgage

I recently refinanced my VA home mortgage with Apex Mortgage. Closing on this refinancing took place on XXXX, 2020. The Apex mortgage adviser who coordinated this refinance process was Mr XXXX XXXXThe original loan was with XXXX XX/XX/XXXX 

The final Loan Estimate provided to me prior to closing on XX/XX/XXXX, was issued on XXXX XXXX, 2020 My complaint is that the I feel that I was knowingly mislead by Mr. XXXX in our discussions prior to closing, and that the figures on the Closing Disclosure that was presented to me at time of closing were not the same as the figures on the Loan Estimate provided to me on XXXX XXXX. This discrepancy is especially true regarding " closing costs ''. ( see attached ). The estimated closing costs as indicated on the Loan Estimated is {$4300.00}. The actual closing cost as indicated on the Closing Disclosure is {$5.00}, XXXX. I did not see these figures prior to Closing time on XX/XX/XXXX. 
The Loan Estimate indicates that there would be {$0.00} cash required at closing. The Closing Disclosure presented to me at time of closing, indicates that cash required at closing is {$860.00} All discussions with Mr XXXX prior to Closing, he assured me that I would not have to come up with any cash at time of closing. This was one of my main issues prior to agreeing to refinance with Apex. Based on my prior discussions with Mr XXXX, and based on the information provided to me on my final Loan Estimate, I refused to write the check for {$860.00} at time of closing. We then completed the closing process. My final closing costs ( {$6400.00} ) was {$2100.00} more than my Estimated Closing costs ( XXXX ) When I contacted Mr XXXX regarding this matter, he assured me that this {$860.00} charge had to do with my escrow account, and that I would be receiving a refund of escrow money from XXXXXX/XX/XXXX within thirty days. We also agreed that when I received my refunds from XXXXXX/XX/XXXX that I would then send him the check for {$860.00}. Mr XXXX had me sign a Promissory Note to pay the {$860.00} upon the receipt of my escrow refund from XXXX XX/XX/XXXX I eventually received a check for {$19.00} from XXXX XX/XX/XXXX 
I am filing this complaint because I firmly believe that I was knowingly provided false information regarding closing costs of refinancing with Apex mortgage. Mr XXXX is not returning my phone calls. 
I appreciate any help that you can provide in resolving this issue Thank you XXXX XXXX Attached are copies of 1 Loan Estimate ( 2 pges ) 2. Closing Disclosure ( 2pges ) 4 Attachments
Product: Mortgage

XX/XX/2019 mortgage payment to XXXX was returned to me, At this point I received a statment from Shellpoint so I called Shellpoint they gave me a name and number to call along with an email address to send proof of payments. I called and left a message after send the proof of payment. The following week I received notification of an estate sale on my door. This was after I had already sent my statements proving that I had made payments from XX/XX/2019 thru XX/XX/2019. I have tried emailing, calling number listed on letter from Shellpoint and tried calling the number for the company that filed for the estate sale. The contact info from the letter was an invalid, got caught in the loop, the emails I sent got the standard notification stating they received an email from me but I never got a return call or email from anyone. The number for the company listed as the one filing the Estate sale had a message stating the number was not provisioned. 
I am afraid to even give them any money for fear of their inability to properly handle it. I have had my home for 24 years and I genuinely feel that they are robbing me of my home by their false allegations of not making payments when I have sent them proof of my payments. I can not help the fact that the bought my loan and was lied to by XXXX,
Product: Credit reporting or other personal consumer reports

I don't recognize these addresses please remove thank you. God Bless you and happy holidays. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department Of Education has XXXX discrepancies. 1 ) the open date is incorrect, I wasn't a student in XXXX  I attended college in XXXX open date should reflect these dates. 
2 ) they reported XXXX late payment, which is incorrect. i was never late on any student loan accounts. I have XXXX other accounts within the department of education which are both updated with correct information as far as no, late payment history and the open date are correct. the XXXX false account needs to be properly investigated and deleted. I have disputed this account with the credit bureaus and the company. the dispute was closed 10 days later. leading me to believe their was a through investigation.
Product: Mortgage

Today is XX/XX/2024 and Select Portfolio Service has not sent my monthly statement, Or my annual mortgage statement. There are thousands of complaints about Select Portfolio Servicing not mailing out customers mortgage statements. I have filled complaints numerous complaints about this issue. I have a paper trail of illegal, deceitful, fraudulent acts committed by Select Portfolio Servicing. They have copied and pasted my name to fraudulent documents and forged by name to fraudulent documents. Select Portfolio Service is a corrupt company. The law requires that I receive my monthly statements, each billing cycle on time. As well as, my annual mortgage statement. I have never had and issue with receiving my statements, or annual statements until I had to deal with Select Portfolio.
Product: Debt collection

Ill keep this short ( *I am XXXX and in the XXXX industry - not a XXXX that struggles with technology. I can only image the difficulties my mom would have with this ) : American Express has a predatory lending practice going on right now. 

On the TIL it says : When making a payment by mail : mail your payment to the address shown on the loan invoice, and write your loan account number on your check or negotiable instrument and include the payment coupon attached to your loan invoice. 

It does not provided an address to send to other than the one up top that looks like this : Lender : American Express National Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX However that is not the correct address to payoff a loan. In fact if you send it to that address American Express will do nothing. They will not forward it to the right dept. They will not tell you it was sent to the wrong address. Nothing. So I am now forced to pay more interest on an account I tried to pay off 3 weeks ago but have to wait 10 business days so they do nothing and accrue interest. There isnt another address on the TIL for the payoff to be sent to. 

No where on the XXXX statement does it make it clear the address that it should be sent to and the on address that says " lender '' is incorrect.
Product: Credit card or prepaid card

I am writing about Captial One 's management of a disputed charge. In the end, I have learned that if you physically hand your card to someone that the merchant can charge your card any amount they would like without having to offer an explanation for the validity of the charge. 

On XX/XX/2020, my husband traveled to XXXX, XXXX and took a car from the international airport to a hotel. He tried to pay for the charge with his Capital One card and was told that the card was declined. He then paid cash for the ride ( and did not get a receipt ). I woke up that morning and saw a notification that our card was charged {$1200.00} twice, one of which was declined. I immediately called Capital One. When I called, I received a message of potential fraud on our account and was transferred to the fraud department. I spoke with a representative. My husband and I had a three way conference call and explained what had occurred. My husband told the representative that he had paid the driver {$40.00} US in cash after being told the card was declined. At that time, the charge for {$1200.00} was reversed. 

On XX/XX/2020, I received a call from Capital One saying that the charge was not fraud because my husband had physically handed the card to the driver, a fact we had never denied. Apparently we should have been referred to the dispute department and not the fraud department. 

On XX/XX/2020, I faxed a dispute form with an explanation of what had occurred. We have no documentation of having paid {$40.00} cash for the ride. However, I asked for an explanation of why my husband had been charged {$1200.00} for a ride from the airport to a hotel. I received no explanation, and the charge was rebilled on XX/XX/2020. 

I noticed the re-bill on XX/XX/2020 and called to see if I could get an explanation of the denial and if I had any other options for disputing the charge. After a couple of hours on the phone, the people on the phone said they had no additional information, and I never received a written explanation. I wrote a final letter on XX/XX/2020 asking for an explanation of the charge and have not received any response. I have included copies of my correspondence with Capital One and the final lettter I wrote on XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX, XXXX **Apelles, LLC** XXXX XXXX XXXX XXXX, OH XXXX Subject : Dispute of Debt and Request for Verification - Account # XXXX To Whom It May Concern, I am writing in response to the notice dated XX/XX/year>, regarding the alleged debt associated with the account number XXXX. I dispute the validity of this debt and request that Apelles , LLC provide the following documentation to verify the debt : 1. **Proof that the debt is valid** and that I owe this amount. This includes : - A copy of the original signed contract or agreement that I allegedly entered into with XXXX XXXX XXXX XXXX. 
- A complete account history detailing how the amount of {$640.00} was calculated. 

2. **Proof of payment of $ XXXX towards this debt, as referenced in the letter. I do not recall making this payment, and I demand documentation or a detailed transaction history to verify this claim. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically **15 U.S.C. 1692g ( b ) **, you are required to cease all collection activities until the debt is properly validated. If you are unable to provide the requested documentation within 30 days, I demand that you immediately cease and desist all collection efforts related to this account. 

Furthermore, under **15 U.S.C. 1692c ( c ) **, I hereby request that you cease any further communication with me regarding this debt, unless it involves providing the requested proof or notification that you are terminating collection efforts. 

Please provide the requested documentation to my address listed above. Failure to comply with this request within the specified time frame will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

i have been working with XXXX XXXX and more recently i have had several conversation with XXXX XXXX Foreclosure closure expert and have talked to each other a lot. 
Wells Fargo told me last week that every thing was looking goo and to expect all to be settled soon, According to XXXX XXXX ( Wells Fargo 's lawyer? ) my house was sold XX/XX/2019????? 
I left voice mail with XXXX I wish they would just be honest with me XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to officially file a complaint with the Consumer Financial Protection Bureau regarding erroneous information present on my Experian credit report. Despite my initial communication with Experian on XX/XX/XXXX, I have not received any response or corrective measures until the present date. The following outlines the inaccuracies that necessitate immediate attention and rectification : 1. Account Verification Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} I am formally requesting the verification of information related to the XXXX account. Specifically, I am uncertain about the accuracy of the reported balance of {$440.00}, as this amount appears significantly higher than what I recall owing. Given that Experian has classified this account as closed and charged-off, it is inappropriate to display a Past Due amount. In order to address this discrepancy, I intend to directly communicate with the creditor. During this process, I kindly request that you mark this account as disputed to prevent any further negative impact on my credit score. Additionally, I urge you to validate and correct the Date Opened, Date of Status, and First Reported details associated with this account. 


2. Account Removal Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} I formally request the expeditious removal of the XXXX account ( Date Opened : XX/XX/XXXX ) from my Experian credit report, as it is not associated with me in any manner. 


3. Account Removal Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} Similarly, I request the immediate elimination of the XXXX account ( Date Opened : XX/XX/XXXX ) from my Experian credit report, as it is not linked to me. 


4. Account Removal Request : Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$100.00} Additionally, I request the prompt removal of the XXXX XXXX XXXX XXXX
Product: Debt collection

I get a collection on my credit report for {$81.00} that I do not recognize and what no award of. I never received any communication about this bills and I want this account to be closed and removed from my credit report immediately. I do n't like that anyone can access my credit information and report bills that I do n't even recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was informed through XXXX XXXX which is who I use to check my credit report that someone checked my credit and a new inquiry was added to my XXXX  and Equifax report. I checked into my credit report and found it was indeed on there and it was a " hard inquiry ''. The inquiry was from XXXX XXXX XXXX  XXXX XXXX. The only address that came up is XXXX XXXX, XXXX XXXX XXXX, UT XXXX. Phone number is XXXX. I called this number and the automated voice wanted an account number or a FULL Social Security number. I tired to get customer service but was unable so I hung up. I did not give any SS #. I DID NOT give permission for this and have not even gone to apply for anything credit wise, so it must be that someone else has my information. I looked into what a hard inquiry is and found it stays on your credit report for two years. This scares me and I will now write a letter to those two credit bureaus and tell them it is an era, but wanted to report it to you also. Please help me make this right. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX. Also, I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXXXXXX XXXX  XXXX and XXXX XXXX XXXXXXXX. Please update and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A.States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Regional Finance s ent a live check to my address in  XX/XX/XXXX . My son and I share the same name and he was living there at the time. My son signed and deposited the check into his bank account. I began receiving calls in  XX/XX/XXXX  and the account was reported on my credit report. I spoke with  XXXX   XXXX  on the phone as well as in person in  XX/XX/XXXX  and she was fully aware of the mix up. She had a copy of the cashed check with his information on it and recalled talking to him at some point. My son had gone out of town and was not available at the time so she asked if we could get a copy of his ID and social security card and they could transfer it over in his name. She suggested I make payments to avoid collection efforts and negative marks on my credit. I declined and asked they remove it from my credit. There were several conversations with her in which she told me I would need to have my son come in or call them before anything could be done. I mailed them a letter on  XX/XX/XXXX  stating in writing that I am not the person in question, have never applied for, authorized or done business with them and it has not been substantiated in any way. I asked them to cease the collection efforts and remove said loan from my credit report and any further correspondence would be considered harassment. I was served a summons on  XX/XX/XXXX  to appear in court. I spoke with the attorney listed on the summons and was told I needed to show up in court or have my son swing by his office and he could draw loan papers up in his name and have his client transfer loan over. We went to court on  XX/XX/XXXX  and I denied the claim. They had to set another court date for  XX/XX/XXXX . This situation has cost me time away from work, has negatively affected  my credit score I  worked years to increase and caused me undue   XXXX   that is effecting my health. I see today they have run a hard inquiry on my credit on  XX/XX/XXXX  that was not authorized as well. I am contacting an attorney today.
Product: Checking or savings account

I was consistently charged overdraft fees without ever being informed of them being in place. Never before have I had a debit card go through on a purchase if the money was not on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to my 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 instructions.
Product: Credit reporting or other personal consumer reports

Im showing XXXX separate hard inquiries form XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX On XX/XX/year>. 

I only authorized or agreed to XXXX credit check while inquiring about a vehicle. I was completely unaware that they tried XXXX alternative loan options. They failed to inform me of this. Ive called their dealership and have received no follow up. 

Ultimately Id like to get XXXX XXXX XXXX and XXXX XXXX Hard inquiries removed from my credit report. Any and all help would be appreciated.
Product: Debt collection

On the morning of XXXX/XXXX/2017 Credit Collection Service called my XXXX XXXX XXXX daughters phone and demanded information about her phone number. She was confused and scared about what they were asking. When she would n't answer the man to his satisfaction he told her " you know we can find you just tell me what your phone number is ''. She told him her number and he said if she did n't follow his instructions he would disconnect her phone number. She started crying and told him she needed to talk to her Mom ( me ) and he hung up on her. The number he called from was XXXX. I called that number and a man named XXXX answered, confirmed the name of the company and I removed her number from their database and told them to never contact a minor again. This is a new phone number. We have no affiliation to any accounts with this company, nor was this company calling about anyone we know.
Product: Debt collection

According to my credit reports, XXXX XXXX XXXX has submitted a collection for an outstanding account. I have contacted XXXX XXXX to inquire with no avail. I have requested proof of service, proof that it is my account, proof of the actual balance owed, proof of signature for stated account and any proof of dates of service. I have not received anything and according to them, this account was opened in XXXX, not XXXX. Now this account is listed with a Collection agency and they have been very unprofessional in trying to have this negative information removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus. 

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA. 

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and  have the law changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to dispute items that don't belong to me Experian refuses too help unless I sign up for there membership they want me too keep resending the same info such as driver license SSN proof of residence which I have sent now there telling me that ii can't dispute anything unless I sign up for there monthly membership.