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

I have tried to contact the company in regards to this complaint to no avail, I am trying to get this account removed from my credit report as I have no recollection that this visit to the hospital ever occured. I am just trying to get it taken off my report and have tried to even come to a settlement for a ( PFD ) '' Paid For Deletion '' even though I don't believe the account belongs to me however it is the last and ONLY negative account on my credit report and I wish to have it taken care of ASAP ...
Product: Credit card

Closed Account with XXXX XXXX acct # XXXX on XXXX/XXXX/07
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX  XXXX Balance : {$3200.00} ; XXXX XXXX  XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020.
Product: Debt collection

I XXXX XXXX asked for verification of debt from the respected companies listed within the documents I have submitted within this claim. I never received a proper response according to the FCRA. I demand that these items be removed immediately.
Product: Credit card or prepaid card

On XX/XX/2019, My on line access to my account was locked with a phone number that first I was told was provided bay a third party then was provided by Public Records. Synchrony Bank stated that XXXX XXXX XXXX was responsible for providing the phone number from those sources. They could not grant me access to my account. Access to my account was being restricted by my access to a phone number that they had no ideal who had access to the phone. 
XXXX XXXX XXXX was contacted and said they had no access to, nor had the responsibility for providing this information.
Product: Credit reporting or other personal consumer reports

The listed inquiries do not pertain to me, nor am I affiliated with the creditors mentioned.
Product: Mortgage

Our mortgage company has failed to pay our home insurance from escrow as required. Our insurance payment is now late and if not paid soon the policy will expire. 

Not only has the mortgage company not properly addressed the issue ; they also seem to be threatening to purchase force placed insurance for us which I believe would be illegal in this circumstance. 

We received a non-pay cancellation notice from our home insurer dated XX/XX/2024 stating that our payment due on XX/XX/XXXX had not been received and that payment of {$2500.00} must be sent by XXXX XXXX or our policy will be canceled or expire. 
; Our insurance payments are supposed to come out of our escrow account and should be dispersed by the mortgage company. 

I contacted the Mortgage company on XX/XX/2024 ( the first business day after I received the notice ) first by chat to tell them about the issue. The service rep told me that he saw that my insurance was cancelled and I would have to make the insurance payment or the company may buy insurance on my behalf, possibly at a much higher cost, which I would be required to pay. I told the rep that the payment was supposed to come out of escrow. The rep told me he could not help with escrow issues and instructed me to call a phone number for help. 

I called the number and after considerable difficulty navigating menus ( none of which had an option to talk to a rep or otherwise resolve my issue ) I somehow managed to get a service rep on the phone. I told the rep my problem and she just told me some facts about my payment dates and told me that I had to pay the insurance premium or they may buy insurance on my behalf and the rates may be much higher. I told her the insurance payment is her company 's responsibility and is supposed to come out of escrow. 

This rep told me she could not deal with escrow issues and gave me instructions to transfer to someone who could help. She assured me that I would be connected to a person who could help resolve the issue and not more computer prompts. I followed her instructions and was connected to another automated phone menu. There were no options to talk to a representative or otherwise resolve the issue. I tried navigating the prompts for approximately another hour before giving up. 

I would prefer to resolve this issue with the company directly, but they show no sign that they want to resolve the issue and it must be resolved in a timely manner.
Product: Mortgage

Regarding the late reporting of my mortgage account with Envoy, I am disputing this recorddue to the fact that this was in fact paid. This should not report on my credit report as a 30delinquent account for this reason. The reason this is reporting is due to the fact that mymortgage was sold From Envoy to XXXX XXXX, and during this transition period, it appearsthis got mixed up. I received confirmation that my payment was made and had beenreceived from Envoy shortly after my payment was made. I later received information statingthat my payment was not received and that I would have to wait until the transfer of the loanwas processed before I could even make the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$3700.00}, {$0.00}, {$8800.00}, {$5400.00}, {$1000.00}, {$410.00}, {$9200.00}, {$2100.00}, {$5300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 


-- OPPORTUNITY ACCOUNT -- 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my Experian Report. As Experian is not helpful regarding rectifying issues, I was advised to send this letter. There was an inquiry by XXXX XXXX on my report unbeknownst to me, was not authorized, and I am unaware of any purpose as I didn't not authorize or sign up for anything on that date. XX/XX/18. An immediate response is requested. Based on the FCRA and my consumer rights. This needs to be addressed. I contacted the company and no response. 
XXXX XXXX XXXX XXXX
Product: Credit card

Dear Comenity Capital Bank XXXX XXXX ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/year> for 30 days? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

XXXX XXXX with Village Capital contacted me in XX/XX/XXXX and requested that I submit an application to refinance my VA loan to a Conventional Loan. I provided all financial documentation to XXXX XXXX and the loan assist team via email. 

XXXX XXXX stated after 20 days of reviewing financial information and submitting me a written quote stated that due to underwriting review process that my loan application was declined for cash -out refinance of 80 % which would payoff current debt. 

As of this month I do not have access to make an online payment. I am able to access my account information, but not able to make a payment which has caused my payment to exceed the 15 day monthly grace period. 

I feel that this is a deceptive practice that lead clients to believe that a loan product is available to decrease debt to income ratio by consolidation through a cash out refinance loan product. 

This is the ( 2nd ) instance in working with XXXX XXXX that has made it difficult and XXXX  through suffering when his instructions has caused a late payment to reflect on my credit report in XXXX and now continuous contacting me to submit more documentation and loosing a locked in rate with XXXX XXXX XXXX all to say " due to an underwriting error we can not proceed with your loan '' I never received a letter for Village Capital declining my loan application or any other documentation in the mail or email. I only received this information from XXXX XXXX over the phone when I contacted him to provide me the status of my loan application. 

I provided XXXX XXXX a copy of my appraisal I recently purchased for a loan refinance I was going to proceed with for XXXX XXXX XXXX and he stated he wanted top keep my business and that Village Capital could do a cash-out refinance and convert my VA loan to a Conventional loan in the process. 

I provided XXXX XXXX and the loan assist team with my annual income of $ XXXX Wife $ XXXX yr XXXX 's for last 2 years and Tax Returns ( 2 Yrs ), and Rental Income {$1600.00} XXXX Proof and Bank Statements to reflect all income listed.
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. The XXXX credit bureau to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00}
Product: Mortgage

I have a  30 yr mo rtgage that was purchased and is now serviced by   Capital One. I have put the payments on Auto-Pay through my bank and have done this for well over 5 years.
For the last 2-3 years I occasionally receive a call and letters in the mail stating that I am behind in payments. Before I was terrified that something had gone wrong with my bank payment and quickly made a payment over the phone with their customer service representatives only to find out that in fact my account did pay out the required loan payments.
They were at it again earlier this year and admitted that they applied one of my payments as an " extra '' payment and then faulted me for not making a payment. The customer service repr  esentative apologized and said they would correct it.     Now again, I am receiving mail and phone calls stating I am behind. I have a flawless bank record of sending processed payments, never late. I think it is an administrative ploy to reel in late fees and/or alter loan status ' for their benefit. I do n't know how to get them to stop this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX, XXXX, XXXX  ETC.. ARE SHARING NEGATIVE INFO AND PULLING EXCESSIVE INQUIRIES.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) -I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX Balance - $ XXXX Systems Balance -XX/XX/XXXX XXXXXX/XX/XXXX Systems Balance -XX/XX/XXXX Systems Balance - $ XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. 
Portfolio Recovery The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
Best regards, XXXX XXXX
Product: Credit card

On XX/XX/year> I was stranded by XXXX XXXX XXXX XXXX XXXX with need to book new flight back to XXXX. When about to click " book '' for XXXX  {$2000.00} on my XXXX in my XXXX XXXX account, I saw a desk with medium sign " XXXX '', so I asked the woman if she is their " help desk '' and if I am safe to press " book ''. She said : " I can help with XXXX ''. She stated that if I press book it may read as " standby '' ticked and if flight is full, I may remain stranded at airport. She suggested to book for me, which she did -the same flight for much higher XXXX  {$3100.00}! I asked for her name to leave feedback to which she declined. Once in airplane the flight was almost empty. Upon view of my credit card charge back in XXXX, it wasn't by XXXX, so I spoke to XXXX XXXX agents on the phone, both stating " standby '' ticket is impossible. That is when I searched online to find the merchant and asked them via email for partial refund, because their employee mislead me by not clarifying she is NOT XXXX XXXX but a travel agent and for lying about a " standby '' ticket, which prevented me to book the flight myself at my rate of XXXX {$2000.00}. They denied partial refund stating transaction is " valid ''. 
I filed dispute with my Discover credit card. Initially they sided with me, but last week Discover reversed the partial refund based on " valid '' transaction receipt. Therefore I called Discover after and a senior dispute agent advised me to ask Consumer protection help, due to Discover paperwork based decision making it impossible to side with me. 
I emailed a XXXX based Consumer protection since the merchant operates in XXXX XXXX, but they asked me to find XXXX based help because I do not reside in XXXX. 
Today I spoke to CFPB agent and we agreed that I can file online to ask my Discover Credit card again to please reconcile and side with me for the partial refund, because despite " valid '' transaction, the merchant used fraudulent tactics to prevent me to book a flight myself and in turn obtained a transaction from me.
Product: Checking or savings account

Last year I tried to open a business account. I went to the branch to ask what type of information would they need to start the process. The young lady that initially help was acting very strange. Without giving me anything or any information. I was being forced out of the location with threats of calling the police. As I walked towards the exit the manager pulls out his phone an called 911. Before traveling less then a block police sirens where wisking throughout the area... .I will try to retrieve the information that may have been emailed about the dispute. Also in XX/XX/2023 tried to cash a check totally denied an could not ask questions because of past experience. All help is appreciated I am a XXXX XXXX  XXXX  XXXX  all support welcomed..
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$21000.00}
Product: Vehicle loan or lease

I am a natural person and federally protected consumer. On XX/XX/XXXX XXXX XXXX committed grand theft & and stole my XXXX XXXX XXXX in connection to a consumer credit transaction that was entered into on XX/XX/XXXX. This transaction was PAID IN FULL by my SSN and signature pursuant to 15 usc 1602 ( l ) .There is/was no consideration ( 12 cfr 1026.4 ) ( 15usc1640b ) given by XXXX XXXX in the creation of this fraudulent loan only an implicit attempt to extort an exorbitant amount of money from yet another uninformed, unsuspecting consumer. No loan of purchase money was ever given to me by XXXX XXXX only an extension of MY credit. Because this pertinent information, as well as ( 15 usc 1638 ( a ) ( 2A ) ( 3B ) ( 5 ) ) disclosures of amount financed, finance charge and total payments was never given, I have been charged continuously over the last 4 years for extra fees, late payments and repossession fees, all of which should have been included in the finance charge. My rights have been violated over and over from the start by XXXX XXXX. And here I am after loan maturation as of XX/XX/XXXX, out of over {$16000.00}, currently without a vehicle with a clear and free title, and in jeopardy of losing my job due to my vehicle being stolen and held for ransom. A {$4500.00} cash down payment that was said to be required as a condition of acceptance paid by me was already accepted and added to the total sale price as part of this fraudulent contract ( violation of 15usc1605 ( a ), 15usc1692.806 ( 1 ) 807 ( 2 ) ( a ) ( b ) ). XXXX XXXX is alleging I owe another {$2000.00} of which {$1500.00} must be paid to redeem my car or it will be " charged off ''. Documentary evidence will show the original contract with only my signature and none from XXXX XXXX, the entire package of documents given to me at the time of signature at the dealership, as well as my payment history with XXXX XXXX. This is an URGENT matter as they are holding my car hostage. I just want and need my vehicle back free and clear of any liens, my account status reflecting Paid in Full and on time, and either my down payment or twice the finance charge back pursuant to 15usc1640. There was never any debt associated with this consumer credit transaction. The debt only arose after being mislead into signing this fraudulent contract.
Product: Debt collection

My review of my credit report revealed accounts that I believe were added improperly. I request these accounts be blocked and removed right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-XXXXBalance {$240.00} XXXXBalance {$730.00} XXXX XXXXBalance {$20000.00} XXXX-Balance {$0.00} XXXX XXXXBalance {$360.00} XXXXBalance {$470.00} XXXX XXXX XXXXBalance {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$130.00} XXXX XXXX XXXXBalance {$12000.00} XXXXBalance {$0.00} XXXX XXXX XXXX-Balance {$0.00} XXXX XXXX XXXX-Balance {$2400.00} XXXXBalance {$0.00}
Product: Credit card

For the month of XXXX I was charged a late fee. The reason my payment was late is I never received a paper statement and the fact that my dad was in the hospital for XXXX XXXX. I explained this reason and was told I signed up for paperless billing, which I did not. They werent compassionate when I told them my reason why. The refused to help me and would not remove the late fee. I filled complaints also with XXXX  on Care Credit, no response.
Product: Debt collection

I paid the debt collections company XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) the total amount of my account on XX/XX/2020. The total amount was {$3600.00}. I received a Paid In Full letter from XXXX XXXX which was consequently submitted to all 3 credit bureaus. Both XXXX and XXXX report the account correctly as paid in full but Equifax does not. Multiple attempts have been made by multiple parties to ensure that Equifax updates the account properly but none successful. The collections company XXXX XXXX XXXX says that they have properly reported the payment to Equifax. I would like Equifax to properly report the account. I will attached bank statements, the paid in full letter, and screenshots to substantiate all of my evidence.