23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was sold to Shellpoint Mortgage Servicing in XX/XX/XXXX. It is a mortgage at 7.5 % which has an interest only component for the first 120 months. The principal and interest payment was stated at {$3800.00}. 

I paid a chunk of the principal in XXXX just after it was sold, so the outstanding balance is now around {$440000.00} ( approx ) Up until XX/XX/XXXX ( so for XXXX, XXXX, XXXX, XXXX, XXXX ), I paid {$4000.00} per month, with somewhere around {$1300.00} per month being applied toward principal. 

In XXXX, I contacted the company with my loan XXXX to see what the interest only payment would be. They promised to fix it, but nothing happened. I've tried online chats and phone calls with this company. Their latest respose is that the " contract '' says the payment is {$3800.00}, despite the fact that I only owe interest and it should have been recalculated based on the reduced principal. 

I need help with this company since the calculated interest and principal is on the original mortgage not on the reduced one. In addition, they are forcing me to make principal payments, when in reality, I only owe them for interest.
Product: Mortgage

The company replied back with incorrect information. Me and my ex wife had to refinance the home due to divorce settlement which my ex wife get half of the equity in the home. XXXX XXXX was speaking with my ex during the whole process not only my wife was assistanting she was advise by XXXX to sign off on all the documents XXXX XXXX has also spoken to my ex wife on her personal cell phone. When i spoke to her manager XXXX XXXX he told he was able to lower my payment but never explained what kind loan was never. Looks like on the documents they went from a FHA to conventional loan. These types of things need to he explained and if you listen to the call. They were just trying to lower the payment and not thinking about what was in also the best interest of me and my home. XXXX was also aware what I wanted and could afford when speaking about the loan or we were not going to so the loan. She agreed she understood that the payment would only go up {$100.00}
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had late payments on some accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on my payments for the accounts that I have included screenshots inside this complaint in on dates XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX LVNV LLCXXXX XXXX OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX SC XXXX To : Whom it May Concern, This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy XXXX. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1 ) Extended Credit 2 ) Car Loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected.

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX XXXX which also has been violated. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must expertise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide me with the details of the procedures that meet the need of commerce for the consumer credit. As result, I hereby demand the following ; Please delete XXXX ) Account Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the  months of ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Product: Debt collection

I received a notice from a company called Professional Account Management , LLC from XXXX WI, XXXX XXXX XXXX  claiming they are trying to collect a payment of {$88.00} for an unpaid toll in the state of Delaware back on XX/XX/2018. First of all I never received a citation from the Delaware Dept. of Transportation. Second of all this collector claims it was my 2nd notice which is untrue. This is the first notice! I normally don't even drive through Delaware and they claimed I ran an EZpass lane which I would never do!! When I started to ask  for more detailed information like where is a photo of the vehicle or more information about my vehicle, I was disconnected. There is only the notice to pay with my address and vehicle tag no. in the notice. No other information or photos. 

I would be stupid to pay this based on a statement with no citation nor evidence that I did not pay a toll!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of having my information released to the public via the XXXX Data Breach as well as the Transunion Data Breach. As a result to this, I have a number of unauthorized accounts and inquiries listed on my credit reports that I did not consent to. They do not belong to me and I don't have any contracts with any of the companies listed. this is really hurting my chances at getting a mortgage. My reputation with the banking system is not in good standing right now because of accounts on my account that weren't authorized that need to be removed immediately. I already tried sending in my disputes more than 30 days ago, but my disputes were ignored.
Product: Debt collection

Apparently XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania has repeatedly phoned my friend 's house demanding to speak to me about a debt. My friend has already told them I do not live there and asked them to stop phoning. NCB staff are phoning my friend every single day. When my friend picked up the phone yesterday, the caller was completely silent. This appears to me to be deliberate harassment.
Product: Credit reporting or other personal consumer reports

Delete this account XXXX XXXX XXXX # because the Date of Last Active is inconsistent. 
TRANSUNION XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>. 

Please send me a new report reflecting these changes. 

Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Account Number : XXXX Dear Early Warning Services Dispute Department, I am writing to formally dispute the information provided by XXXX  XXXX XXXX and currently being reported by Early Warning Services under my name. As per the Fair Credit Reporting Act ( FCRA ), you are required to ensure the information you report is accurate, complete, and verifiable. However, I have received communication from Early Warning indicating that you do not have access to the necessary documentation related to the account from XXXX XXXX. 

FCRA Violations by XXXX XXXX and Early Warning Services FCRA Violations by XXXX  XXXX : FCRA Section 611 mandates that when a consumer disputes the accuracy of information, the consumer reporting agency must investigate the claim, verify the accuracy, and provide the consumer with documentation supporting the accuracy of the information. 
FCRA Section 609 gives consumers the right to request all information contained in their credit file. XXXX XXXX has failed to provide the necessary documentation or verification to support the validity of this account. 

FCRA Violations by Early Warning Services : Early Warnings inability to verify the information on this account also constitutes a violation of the FCRA. Specifically : FCRA Section 607 ( b ) requires consumer reporting agencies to adopt reasonable procedures to ensure maximum possible accuracy in the information they report. By maintaining unverified information on my consumer report, Early Warning has failed to adhere to this standard. 
Furthermore, FCRA Section 611 ( a ) ( 5 ) ( A ) requires consumer reporting agencies to delete any information that can not be verified after a dispute. Since Early Warning has admitted that it can not verify this XXXX XXXX XXXX account, it is in violation of this section by failing to remove the account. 

Uniform Commercial Code ( UCC ) Violations In addition to the FCRA violations, under UCC Section 9-210, I have the right to request an accounting and copies of any records related to the disputed account. Since neither Early Warning nor XXXX XXXX has provided these records, the account remains unverified and should be removed immediately. 

Requested Action Due to these violations of both the FCRA and UCC, I demand that Early Warning Services immediately remove the XXXX  XXXX XXXX account from my consumer file. I expect a written confirmation of this deletion within the 30 days allowed under FCRA guidelines. 

If Early Warning Services fails to resolve this dispute as required by law, I will not hesitate to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I am fully prepared to take legal action to ensure my rights are protected. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXXXXXX Missouri Laws Dear CAP ONE AUTO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Chapter 570.

It has unequivocally come to my attention that CAP ONE AUTO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law under the Missouri Revised Statutes, Chapter 570, underscores the severity of unauthorized access and misuse of personal information, particularly regarding identity theft and fraud. 

I assert with unwavering certainty that I have not provided consent for CAP ONE AUTO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CAP ONE AUTO immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the relevant sections of Missouri state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAP ONE AUTO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Credit reporting

I voluntarily froze my Transunion credit report in XXXX 2015. I lifted the credit freeze on XXXX XXXX, 2015 providing all information including the PIN and received a confirmation from Transunion Credit Security Freeze regarding lifting the freeze. The fee for this Transunion service was processed and accepted by my credit card. On XXXX XXXX, 2015 my credit was checked through Transunion by a company that is doing a credit background check. The check is for an apartment lease. Afterwards this company reported back to me that my credit report was still frozen and could not access it according to their Transunion representative. The company tried rerunning my credit numerous times afterwards and the last time being today, XXXX XXXX, 2015, without success. I contacted Transunion Customer Service, and they stated that I needed to contact Transunion Credit Security Freeze and repeat the lifting of the freeze until the freeze was lifted. I called Transunion Fraud Alert getting the number from Transunion Customer Service earlier today, XXXX XXXX, 2015, and Transunion Fraud Alert stated that the credit freeze was lifted on XXXX XXXX, 2015. Also earlier today, XXXX XXXX, 2015, the Transunion representative for the company checking my credit, stated that the company is to continue to check my credit every day until it works. Bottom line, Transunion has destroyed my credit because of their inability to release my information. I hope this major problem is fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company was to remove the incorrect information from credit in XX/XX/2020, however, the incorrect information has not been removed and credit points have not been properly restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and DSNB/Macys, XXXX XXXX XXXXXXXX XXXX, and XXXX. The Account Opened is DSNB/Macys  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$350.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Checking or savings account

On XX/XX/2021 a check in an envelope was stolen from my home mailbox. 

The check was in the amount of {$120.00}. It was stolen and altered to change the amount to {$12000.00}. It was my Chase Business checking account.

The name of the person who the check was payable to was altered and changed to someone I do not know. 
The check was chased by XXXX XXXX. 
I filed a police report and started a claim with Chase Bank on XX/XX/2021. 

The local police investigated the case but ultimately it was closed. 

Chase Bank has continued to investigate my claim for the last 2 years, and the claim has been " expedited '' and/or " escalated '' several times. However, Chase has continued to tell me, over the course of the past 2 years that they are waiting for XXXX XXXX to answer the claim and ultimately " cut me a check '' for the monies stolen from my Chase Business Checking account.

I have been extremely dissatisfied about the way Chase has handled this complaint as their communication with me has been very limited if at all. I have to initiate all the calls with them.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. SYNCB CARE CREDIT I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting.

2. **Failure to Furnish Form 1099-C** : The collection agency has also failed to provide me with a copy of Form 1099-C concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations.

3. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent.

4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer.

5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information.

Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Credit reporting 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.
Product: Debt collection

Never opened and account with the Original Creditor, yet trying to collect from me. Original letter sent XXXX for debt not personally applied for. Request information with signature/email of applied debt. Never received original requested items to sent and repeatedly sent new Collection letters XXXX, XXXX, XXXX. Received texts and voicemails and emails for debt not applied for. Also feel it's a possible XXXX violation.
Product: Checking or savings account

I went to the ATM at the US Bank located in XXXX XXXX, CA on XX/XX/2023. I requested {$300.00} from my account at this ATM and the money was not disbursed. I went into the Branch and they told me that it was not there ATM and that I need to file a complaint with my Debit Card company which I did that same day. I furnished them with a copy of the receipt and they took the dispute and then I got an email stating that it would take until XX/XX/XXXX to process. I received a letter that was sent out on XX/XX/XXXX with claim number XXXX stating that they had research to problem and that they found no evidence that the funds were not dispersed. I am not sure why they took so long to balance the ATM for errors and the ATM also has a camera that they could have viewed of the transaction showing that I did not receive the funds. I call Netspend ( issuer of the debit card ) and they said that I could place another dispute which I did. I never recived the {$300.00} and feel that they have taken my money without any valid reason. I have attached a copy of the receipt from the ATM. I have also attached the letter from Netspend dated XX/XX/2023. I only had one withdrawal that I am disputing. I am not sure why it is showing 2. I did have 2 withdrawals from ATM on same day and it was ok.
Product: Checking or savings account

US Bank charged me a paper statement fee and a dormant account fee without notifying me that my account was dormant. When I called they simply lied to me stating that they had sent me a letter notifying that my account was going to go into dormant status. When I asked if they can provide me a copy of this imaginary letter, they hung up on me. The person I spoke to was XXXX ( ID XXXX ). 
They charged me a dormant account fee of {$5.00} and also charged me a {$2.00} paper statement fee which they had never disclosed before. 

This is one of the worst banks that I have ever dealt with.
Product: Credit reporting or other personal consumer reports

I am writing to contest the inaccuracies on my credit report, which could significantly impact my ability to purchase a home. While I understand that errors can happen, these specific discrepancies could have serious consequences for my financial future. XXXX and XXXX have already removed these accounts from their records due to an identified error and after the submission of the required FTC report. I am confused as to how you have verified it while the other bureaus have removed it. I also called the bank and they said they would remove the accounts from my report. Please DELETE the accounts below : XXXX OF XXXX XXXX, XXXX OF XXXX XXXX
Product: Checking or savings account

I purchased XXXX life insurance policy from an insurance agent. I end up receiving XXXX separate insurance policies in the mail. When I call the guy and explain he has no interest in helping me. So I contact XXXX XXXX, which is the policy I did not authorize. They do not want to refund my money either. So I contact my bank, Bank of America and explain the situation to them. They send me a letter showing me a document from XXXX XXXX that has my name typed on a line that they are claiming is my signature, which it is not. I find it hard to believe that a bank can not see that my signature was printed and not signed by me. XXXX XXXX took XXXX payments of {$78.00} from my checking account at Bank of America. I did not request this life insurance policy from XXXX XXXX. They had no right or authorization to take money from my account. I would like a refund.