23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company, SunTrust has not removed the PMI from my loan. I have paid well over half of the mortage. I contacted them in XX/XX/XXXXand was told the company needed 12 months of payments and it would come off automatically. But at this point the loan was already paid off over 40 %. So I waited until XX/XX/XXXX when they said it would automatically come off and it did not. I called SunTrust and they said I needed to request for its removal in writing. I did that over 3 weeks ago and have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express National Bank XXXX XXXX XXXX u s a all disputes have timed out of the past ten years due too barriers to citizens of the united states not being able to gather and forward supporting documents from hotels and airlines in the us when it was charged on a prepaid bank card the bank will not help in any matter with all of the above
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Few months ago I realized there was incorrect accounts on my credit report, accounts on charge off status with incorrect information and a few other issues. I investigated and sent letters to the credit Bureaus it has been more than two months and they didnt answer and I checked my credit report and all this incorrect information its still showing on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts listed aren't mine. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Closed with balance of {$740.00} ) 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

Capital One 360 banking apparently uses access codes, to link external apps and users, in order to increase my privacy and account safety. However, none of my other financial tools or account have been able to use any form of connection or access to be able to manage my funds and handle my monetary endeavors due to Capital One blocking the access no matter what security is or is not in place.
Product: Credit reporting or other personal consumer reports

XXXX is continuing to report false information and unverified information on my consumer report. According to the FDCPA and the FCRA ALL INFORMATION IS SUPPOSED TO BE FAIR AND ACCURATE. They have violated my rights under USC 1681 b and 15 USC 1666b and others as well.
Product: Debt collection

I have a debt from a XXXX I had back in 2009 when I was in college. I could not afford to pay the bill and did not have insurance at the time.
Product: Debt collection

On XX/XX/year>, I went into my Nissan Motor Finance Account to make a payment for XX/XX/XXXX, as I do a few days before each monthly payment is due. After making multiple phone calls to Nissan, they refuse to admit they're information is incorrect. I spoke to someone on the phone today, and they are claiming that I'm paying at the end of the month for payments that were due in the beginning of the month. I made contact with my bank and they have advised the overdue payment was from XXXX of 2024, and I was refunded the transaction in XXXX, which is untrue. 
I finally got my credit score corrected and I can't afford to have it ruined by incompetence. 

I have attached documents that show where I made payments.
Product: Debt collection

Collection Bureau of Hudson Valley INC sent letter for debt for services not solicited or received in the amount of {$850.00}.
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXXXXXX. In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. These creditors must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report { insert creditor } to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled
Product: Debt collection

I have requested verification and validation of debt from this agency several times to this day they have not provided. I do not know what this is and I am disputing the validity of this debt.
Product: Mortgage

in XX/XX/XXXX we signed for our son to mortgage property thru XXXX XXXX XXXX XXXX XXXX XXXX Mortgage apparently changed companies several times over the years. Son allowed mortgage to go into foreclosure. in XX/XX/XXXX it was scheduled for sheriff sale. We signed for Bankruptcy to stop the sale. We tried to speak with mortgage company about the account, payoff, selling property, etc. They would not speak with us. We were told, we are not on the mortgage, therefore they could not speak with us. Now if their mortgage does not have our name on it, and our name is on deed as owner, there seems to be a problem. Mortgage company kept maintaining we were not on mortgage. Now since we have filed bankruptcy we have to file a payment plan. We use the figure of {$110000.00}. since it was named on Sheriff sale papers. Now XXXX XXXX has filed motion to release them from Bankruptcy due to insufficient monies, and none payment to them. they are claiming {$130000.00}. due them. They have not supplied us with an actual account number, or an amount of monthly payments. If our names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are not on this account, then the account is in question of being fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon potential employer requesting criminal record I discovered inaccurate information. A criminal record appeared. I have never been arrested let alone have possession of anything. I am requesting this be removed and for the corrected record to be sent.
Product: Credit card or prepaid card

From XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, Chase credit card charged me 5 transaction fees totaling {$52.00} and 2 cash advance interest fees totaling {$12.00} related to XXXX payments. Prior to the XX/XX/XXXX transaction fee, XXXX transactions were not assessed a fee. Chase did not inform me of the change to its fee structure. I requested refund of the fees but Chase said it could only refund 2 of them. I would like all of the fees refunded because Chase did not clearly and plainly communicate that XXXX transactions would be newly subject to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I have sent first letter under " Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the post on a credit report physical verification of the original signed consumer contract -any and all accounts you. '' as it shows on my credit report XXXX XXXX XXXX has NOT complied with FRCA, credit bureaus suggest and closed out investigation, XXXX XXXX NEVER sent any ORIGINAL verification, signed contract nor has any paper work been receive under ( Chapter 537.012, Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATION ) IF this account is verified and IF car has been sold or auction wouldn't the balance be less called " deficiency '' or " deficiency balance. '' Hence balance being reported is inaccurate across all three bureaus. Ever since dispute has been open XXXX has added multiple remarks onto my account and has affected my credit score significantly. 

XXXX XXXX XXXX XXXX has NOT been verified and credit bureau keeps putting the information has been updated and complies with FRCA when nothing has been verified. 

XXXX instead of being removed like it shows on my XXXX  report and they have removed it due to NOT being table to verify account account was closed both accounts. XXXX accounts needs to be removed like it has been done on my report for XXXX I have once again sent letter # 2 to all credit bureaus requesting the same information once more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX XXXX Balance : {$8.00}, XXXX XXXX Balance : {$5900.00}, XXXX XXXX  XXXX Balance : {$23000.00}, XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX Balance : {$950.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX**** Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00},
Product: Credit reporting

Since XXXX/XXXX/2015 I have attempted to pull my Experian credit report to no avail. When I go to XXXX to pull a copy of my credit file, I recieve a message stating that I have already obtained my credit report within the allowed time and directs me to experian.com. The prompts direct me to buy my FICO score and credit report. I bought the seven day plan for {$1.00}. This is not the type of report I am looking for. I have a few problems here : 1. ) I do not want to buy my FICO score, I only want my credit file. 2. ) The format is not consumer friendly ( i.e. everything is in boxes and will not provide the payment history with dates e.g. date of last payment & date of first delinquency ). Without this information how am I to understand what needs improvement. 3. ) When I call their number ( XXXX ) and explain what it is that I need ... I am told that " I need to call Experian the credit reporting agency '' because I am speaking to Experian online Direct and they are not the same company. They have no way of providing me with my " credit file ''. According to the last rep I spoke to a regular credit report is called a " credit file ''.
Product: Debt collection

Since our Joint Chapter XXXX Bankruptcy was DISCHARGED on XX/XX/2017, XXXX XXXX CONTINUES to harass me, XXXX XXXX XXXX, via miscellaneous collection agencies. My attorney 's well aware of this. 

For more details, please see the attached documentation or contact my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original loan was with XXXX XXXX. A few months into payments I was sent an offer by XXXX XXXX to skip a payment and add it to the end of the loan. I signed the documentation sent via mail and sent it back. All was well until Key Bank assumed loan. During that transition, Key Bank informed me that my loan was 30 days behind. I explained to them that under the offer and terms I agreed to with XXXX  XXXX, I was on time and I accepted the skip a payment offer. Key Bank could not verify this as they could not access their system. I called numerous times over a 3 month period and spoke with several folks at Key Bank. They could not figure it out and they took weeks to investigate all the while they were reporting me as being 30 days late for months. I explained to them that as an example there have been 18 payments due since loan origination and I have made 18 payments. They could not figure it out and they continued to tell me they had no access to XXXX XXXX computer systems to verify. How can this be if they assumed the loan? Key Bank tried to fix the issue by applying the skip a payment to the end of my loan however they continued to negatively report to the three bureaus and never reversed the 30 day late payments. I also made additional payments but problem has not gone away.
Product: Debt collection

The account that is being collected from a XXXX XXXX XXXX from the advanced collection Bureau in the amount of {$480.00} is not my debt. I did not have services with this company and ask that this false information be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my report and noticed inaccuracies on my account. This account is hurting my ability to obtain credit.Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunions total dud false advertsing on their page XXXX XXXX XXXX as just visa deceptive practice have them remove it from their company site
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE GIVE ME A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT???!! 

XXXX XXXX XXXX  : THERE ARE A TOTAL OF 3 ACCOUNTS REPORTING UNDER COLLECTIONS AND IT IS REALLY AFFECTING ME. THE BALANCES ARE OF : {$0.00}, {$350.00} & {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Subject : Complaint Against Barrett Daffin Frappier Turner & Engel ( BDFTE ) for Abusive Debt Collection Practices Complaint Summary : I am writing to file a formal complaint against Barrett Daffin Frappier Turner & Engel ( BDFTE ) for engaging in abusive debt collection practices. Specifically, BDFTE has been involved in the unilateral rescission of foreclosure sales without the knowledge or consent of the homeowners, which constitutes a violation of fair debt collection practices. 
Details of the Complaint : 1. Background and Legal Context : BDFTE has been aware since XX/XX/XXXXXXXX XXXX XXXX that unilateral rescission of foreclosure sales is legally problematic. This is supported by the case Lopez v. Countrywide Mortgage, where the court ruled that a rescission deed filed by Countrywide was legally invalid and had no effect on the foreclosure sale ( Lopez v. Countrywide Mortgage, XXXX XXXX XXXX XXXX XXXX  ). The court noted that there was no evidence that the court had instructed Countrywide to take such action or that the homeowner was aware of or agreed to the rescission. 
2. Ongoing Abusive Practices : Despite this legal precedent, BDFTE has continued to unilaterally rescind foreclosure sales without homeowner knowledge or consent. This practice has been observed in several cases, including National City Bank of Indiana v. Ortiz XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Hernandez v. US Bank, NA, Montalvo v. Bank of America Corporation, and Nicholson v. The Bank of New York Mellon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In each instance, the unilateral rescission actions by BDFTE have led to significant confusion and potential harm to the homeowners involved.

3. Violation of Fair Debt Collection Practices : BDFTEs actions are a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) as they involve deceptive and unfair practices. The lack of proper notification and consent from homeowners before filing rescissions undermines the integrity of the foreclosure process and causes undue hardship to homeowners. 
Requested Action : I request that the CFPB investigate Barrett Daffin Frappier Turner & Engel for these abusive debt collection practices. Specifically, I urge the CFPB to : 1. Examine BDFTEs practices regarding the unilateral rescission of foreclosure sales.

2. Enforce corrective measures to ensure BDFTE adheres to fair debt collection practices.

3. Issue a warning to BDFTE to cease these unfair and deceptive practices.

Supporting Documentation : Please find attached copies of relevant legal cases and any correspondence with BDFTE that illustrate the ongoing issues. If additional documentation is needed, I am prepared to provide it.
Product: Money transfer, virtual currency, or money service

I am filing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

My Mortgage Company Carrington has issues with HELPING THE CUSTOMER I was under protection of negative reporting or foreclosure the company waited till protection was lifted to procede to report negatively even though I immediately asked for HELP to bring account current by means of Mitigation I am approved no one could clearly tell me why a COVID-19 plan I was affected by a DISASTER me the customers have been also affected by Data Breach amount to pay back is different on bureaus payments have begun but are reported late where is the HELP perhaps BANKRUPTCY was a better plan since the company has Damned Condemned us me and XXXX our credit was perfect till this inscruples mortgage company before I was affected by a Disaster I attempted to request for help and got nowhere didn't matter what we needed Help us FIX the BAD INFO on all bureaus
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of specific fraudulent accounts and inquiries from my credit report. I am a victim of a recent data breach, resulting in unauthorized accounts and inquiries on my report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit history. 
Fraudulent Accounts : 1. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} 2. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} 3. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} 4. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$9600.00} 5. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$2000.00} Fraudulent Inquiries : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
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. 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently have went to apply for a loan from my bank. They told me they could not find a credit score for me from Equifax. The other two credit bureaus report fine for me. I have already checked with all of my accounts and they all report to equifax and have been reporting effectively to them. They, being Equifax, say I have no credit file and that I need to send in documentation showing who I am, for example SSN, drivers license, etc. I have faxed over everything they have requested 3 times. Yes ... .3. And still nothing has been resolved. They still tell me I have no credit file. I have requested them to create me one and they still have not done so. They continuously send the same paper in the mail telling me to mail them the same documents I have already mailed 3 times. I am getting no where with them. They either don't care, or just don't fell like taking the time to help. Again, all of my accounts have been reporting to them so this is definitely an Equifax issue. I've been a US citizen all my life and have a car loan and a credit card and I am an XXXX  XXXX  XXXX, who receives financial aid. This problem is affecting my life and needs to be resolved. I have done everything on my end. This company just won't do their part.