23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX my mortgage company XXXX filed bankruptcy I continued to make my payments until they returned my last 2 payments in XXXX of XXXX in XXXX I received a letter from XXXX XXXX XXXX  stating that they are the servicers of my loan and they are foreclosing on my home on behalf of XXXX XXXXXXXX XXXX XXXX because payments were not being made I explained that I never received any further notice from XXXX or any correspondence from XXXX XXXXXXXX XXXX I applied for a modification with them but they turned me down I attended several foreclosure conferences until my case was transferred to the Supreme court I also contacted the XXXX  XXXX XXXX XXXX who sent me an email stating that after researching their database they found no records of my property and they are not my trustee I also hired an attorney who got the same response in XXXX of XXXX I received a check from NY Dept.of Financial Services with a letter attached stating that I'm receiving a payment due to a lawsuit against XXXX then in XXXX I got a mail from XXXX XXXX XXXX stating that they are a debt collector collecting a debt for XXXX someone I never heard of and they never stated what the debt was for so I filed a chapter XXXX and XXXX XXXX  XXXX was discharged but I still got a notice of foreclosure from them so my attorney filed a motion to show cause we had a hearing for XX/XX/XXXX and the representative for XXXX XXXX XXXX came to the court with nothing but the bankruptcy that I filed so a new date was set for XX/XX/XXXX but the judge did not grant us a chance to speak he made a decision granting foreclosure to XXXX XXXX XXXX even though they never submitted any documents to show cause to my attorney or the court which was a prejudice act on behalf of the judge I have had 3 counseling sessions with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  when my counselor called FHA she was told that my loan was owed by state bridge now that has me confused since judgement was given to XXXX when XXXX returned my payments and I received that check from XXXX I thought that my mortgage was discharged please let me know as soon as possible what can be done at this point thank you
Product: Debt collection

Today XX/XX/2021, I received a notice from Credit Corp Solutions that I owe {$940.00}, reference XXXX. It indicates the original creditor is " XXXX ''. I only charge {$78.00} for payment by XXXX, and have automatic payment on balance due. Credit Corp Solutions is trying to scam from me, a senior citizen ( XXXX years old ) out of the {$940.00}. I have contacted XXXX. I have been unable to make contact with Credit Corp Solutions. I have file complaint with Nebraska Attorney General. 

Credit Corp Solutions , Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX
Product: Debt collection

I'm XXXX years old. Purchased a cell phone from XXXX XXXX XXXX. I maybe make about 3 phone calls a month because I have a land line that I always use. The most I could use the service is for 1 month. Now that has escalated into a charge of $ XXXX.Apparently the collection agency added on alot of money. I tried to settle for 1 month of bill but they refused. They won't send a statement because they Credence is of  over charging me & taking advantage of my age. I will NEVER pay {$460.00} for 1 month of service.
Product: Mortgage

after covid modification ended Mr. Copper my mortgage holder charged me interest of XXXX Thay said if i didn't pay Thay where going to foreclose on me i paid the money none of it went toward my principle
Product: Credit reporting or other personal consumer reports

I am filing this complaint because variations of my name or incorrect versions of my name have been used and attached to my credit reports. This inaccurate information has adversely impacted my credit and has caused significant distress. 

Details of the issue : 1. My name is XXXX XXXX, but I have noticed that alternative spellings or variations ( such as " XXXX XXXX, '' or others ) have been incorrectly linked to my credit report. 


2. These errors have resulted in inaccurate credit information being reported, including accounts or inquiries that do not belong to me. 


3. The presence of these inaccuracies has negatively affected my credit score and overall financial standing. 



Actions I have already taken : I have disputed these inaccuracies with the credit reporting agencies ( e.g., XXXX, XXXX, and TransUnion ), but the issue persists. 

I have attempted to contact the creditors listed under these variations of my name, but the errors have not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX 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 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: Credit reporting or other personal consumer reports

This is in reference to inaccurate information that XXXX ( XXXX XXXX XXXX ) is providing to EQUIFAX and EQUIFAX is publishing to my consumer file.Thei inaccurate information is in regards to late payments which never occurred with following XXXX following dates. 
XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) And NO XXXX or 60 day late prior to XX/XX/XXXX which is totally unethical and blatant misuse of my credit file. Next in XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) Then XX/XX/XXXX ( XXXX ) but reportedal a payment XX/XX/XXXX then XX/XX/XXXX ( XXXX ) UNDER ( FCRA ) CREDIT REPORTING AGENCIES ARE REQUIRED TO MAINTAIN ACCURATE AND COMPLETE INFORMATION. 
FCRA 607 ( b ) ( 15 U. S. C 1681 e ( b ).. 


BE CLEAR XXXX NOT ASKING FOR VALIDATION BUT IT TO BE REMOVEDFROM MY EQUIFAX CREDIT FILE OR UPDATED TO POSITIVE PAYMENT HISTORY.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Collection XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are fraudulent on my following accounts : XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX  is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX XXXX, XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Mortgage

On XX/XX/ we logged into Lakeview 's website to submit out payment for XX/XX/. They had " Updated '' their website, and everytime the payment was " submitted, '' there was an error message stating to try again later. 

XX/XX/, we logged back into the website and it showed a payment posted on XX/XX/, payment was submitted on XXXX XXXX XXXX. We immediately reached out to Lakeview through their " Secure Online Messaging System, '' requesting information that only 1 payment was received and not more than that since their was an issue with their website. We received no response. 

On XX/XX/, we logged into our checking account and it showed that there was a payment " In Process, '' for {$810.00}. On XX/XX/, we logged into our checking account again and the payment " In Process '' on XX/XX/ had cleared and that there was another payment for {$810.00} " In Process. '' Once again, through Lakeview 's " Secure Online Messaging System, '' another message was sent stating all of the above with a copy of our checking account with the one payment that had cleared and another in pending status. Since no response had been received from either message sent, a phone call to Lakeview was placed. We spoke with " XXXX, '' who stated that she would put in an " ESCALATED, '' request for the money to be refunded for the additional payment, " as there was an issue with their new updated site. '' We were told that this would be resolved by XXXX XXXX XXXX. On XX/XX/, we logged into our checking account, the 2nd payment for {$810.00} had now cleared, on Lakeview 's website it showed the payment reversed. Another 45 minute phone call to Lakeview was placed and we were then told by " XXXX, '' that the overpayment of {$810.00} had been issued in the form of a check and was overnighted on XX/XX/. No payment has been received. Today, XX/XX/, after another 45 minute phone call, we were told by another CSR that the check had not been issued yet, that this is not something done " Right Away, '' that it must be requested, then can take 4-5 days to be issued and then overnighted. 

This has been a great detriment to our household with having TWO payments taking from our account, and now having to wait over a week to get our funds returned. They had no problems taking our money out twice, have left our bank account in a potential for bills that are pending to be returned and overdraft fees charged. Our understanding was from the first phone call that the money would be returned immediately and no later than XX/XX/. 

We have NEVER been behind or late on our payments and now they are leaving us in a very bad position. Why must we wait for a check, why could the funds not just be returned to our account. It is not our fault that their website is having issues, we have done our due diligence and reached out numerous times and keep getting different answers. 

They need to be held accountable for their actions.
Product: Mortgage

THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR.
Product: Debt collection

Hi there. The company that contacted me is called ERC - XXXX 

This is inappropriate contact due to the fact that they are trying to collect from my grandmother, who lives in XXXX, XXXX, but contacted me about the debt, and I live in XXXX XXXX, XXXX. I never shared a similar address with my grandmother. It is clear that they are attempting to share information regarding the debt with my grandmothers relatives to get us to contact her about the debt. This is inappropriate and just wrong as my grandmothers debt information should never have been mailed to me. 

Here is the information regarding the debt, in case you want verification. 
Creditor : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Amount of Debt : {$49.00} Account Number : will share if contacted Reference Number : will share if contacted
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the rights to privacy 15 usc 1681 section 604 A section 2 it also states a comsumer reporting agency can not furnish my account without my written instructions. Under 15 usc 1666 B a creditor may not treat a payment on a credit card account under and open consumer credit plan as late.
Product: Mortgage

Shellpoint Mortgage Servicing currently service my loan I 've been trying to request the PMI cancelation since XXXX 2015 After multiple attempts they finally confirm receipt of the necessary paper work in XXXX 2015. 
I called them several times to follow up.. and even though my balance is under 80 % of the original appraisal they told me that they need to request a new appraisal that I need to pay for I agreed to that and now it has been 3 weeks I called them several times and an appraiser have not even contacted me and every time I call they tell me to wait 5 business days for resolutions and they are going to escalate etc ... but nothing is happening. please help me if you can ..thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT BEING DISPUTED HAS NO RELATION TO ME. THIS ACCOUNT HAS BEEN CAUSING HARM TP MY CREDIT AND REPORTING INACCURATE TRANSACTIONS. PLEASE HAVE THIS ACCOUNT REMOVE AND CLEARED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in XXXX Texas since XXXX, The address XXXX has of XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX I own but it is currently rented out to a husband and wife couple. The Avant/Webbank Card I never applied for and I have No need for credit since I am authorized to use my childrens credit cards. Please Delete the Fraudulent Account listed below. 

Account - - AVANT / WEBBANK Account Holder - - XXXX Account Type - - Revolving Account Condition - - Closed Date Opened - - XX/XX/XXXX High Balance - - {$330.00} Monthly Payment - - {$44.00} Account Balance - - {$230.00} Last Reported - - XX/XX/XXXX Amount Past Due - - {$0.00} Limit - - {$500.00} Remarks - - - Responsibility - - Individual Account Past Due - 30 Days - - XXXX Past Due - 60 Days - - XXXX Past Due - 90 Days - - XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am making biweekly payments, they charge interest twice a month, I think the interest is excessive
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : XXXX XXXX XXXX XXXX : TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XX/XX/2022 US Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX ] a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.

I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 






Kind regards, XXXX XXXX Cc : CFPB Cc : FTC Cc : ATTORNEY GENERAL
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my wife and I leased XXXX vehicles from the XXXX of XXXX location. We left the dealership with both vehicles. After signing our contracts and making our initial first payment. XXXX of XXXX decided to submit my wifes vehicle that day. But they decided to submit my vehicle the following week. In doing so XXXX of XXXX had to changed all the dates on our signed contract without our knowledge. In XXXX my wife and I went on to the XXXX XXXX  website to see when Our due date was and we saw a date of the XXXX. We pushed our payment back until the XXXX of the following month to cover other expenses but as to not go 30 days past due. When we made our payment on the XXXX we were told that we had two separate due dates. Thats when we discovered that the dealership had changed the dates on our original contract after we left the dealership. XXXX car was paid on time and the other was reported late. XXXX of XXXX had denied changing the contract multiple times until I requested a copy of the contract they submitted to XXXX XXXX finance. Then they admitted to changing the dates. XXXX of XXXX has since XX/XX/year> completely stop answering my calls and have refused to send me the altered contract. So I am now heading to arbitration with Kia Motors finance to correct my credit score.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.