23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After completing a loan forbearance under the CARES Act in XX/XX/2021, I was placed in a VA Streamline Covid19 Disaster Modification repayment in which I have been on time each month. However, Homebridge Financial is negatively reporting my payments citing that once the initial prequalification is completed ( 3 months ) then they will remove the negative reporting to my credit. This does not make any sense and I never signed anything agreeing to such a crazy process. I feel that I am being discriminated against and I need your help to resolve this issue and make whole the credit reporting issue.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. On XX/XX/XXXX I asked the credit agencies to send me a detailed report on how these accounts were verified which they have not sent to me. 

Here are the items I am asking you to verify as accurate : XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Experian : XXXX Account # XXXX XX/XX/XXXX Experian : XXXX XXXX Account # XXXX XX/XX/XXXX Experian : XXXX XXXX  Account # XXXX XX/XX/XXXX Experian : XXXX Account # XXXX XX/XX/XXXX Experian : XXXX XXXX Account # XXXX XX/XX/XXXX Experian : XXXX Account # XXXX XX/XX/XXXX Experian : XXXX Account # XXXX XX/XX/XXXX Experian : XXXX  XXXX XXXX Account # XXXX XX/XX/XXXX Experian : XXXX XXXX XXXX Account # XXXX XX/XX/XXXX
Product: Debt collection

The notice that I received on XX/XX/2022, did not meet the standard required by federal and state law for a debt collector to send a written notice containing : a. the amount of the debt ( 1692g ( a ) ( 1 ), b. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ( 1692g ( a ) ( 3 ), and c. a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor ( 1692g ( a ) ( 4 ). 

Despite the failure to provide the above, XXXX XXXX XXXX XXXX XXXX XXXX gave notice stating that unless I pay the alleged debt in full including attorney fees, there would be a Non-Judicial Foreclosure on XX/XX/2022. 

I am in the process of sending to XXXX XXXX XXXX XXXX XXXX XXXX a " NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT '' notice. Whereas, I expect according to the Consumer Protection Law of the United States Code, verification and validation so that I can consider a resolution if applicable. 

I dispute this alleged debt, until verification and validation has been fulfilled in accord with the above notice, by the law office of XXXX XXXX XXXX XXXX XXXX XXXX ( debt Collector ). 

Thank You
Product: Debt collection

CMRE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX By telephone : XXXX or XXXX By fax : XXXX By email : XXXXXXXXXXXX By mail : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CMRE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CMRE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

A previous partner of a joint venture operation conducted Fraudulent Schemes ( on police report as a felony charge ) using our investor 's money and despite showing them where the money originated from and the promissory note for the money. We placed a multitude of fraud holds on the accounts ( just as we were told to do by Bank of America ) that amounted to nothing. 
This in turn, allowed the previous partner to steal over {$160000.00} from our investor and the bank did NOTHING despite us showing them everything ( even including documents showing the joint venture ). 
As a business owner, stay away. Unless you are looking into a bank that ignores very apparent issues and want to pay a lawyer to sort out everything for you.
Product: Bank account or service

I bank with Bank of America. A few weeks ago, I lost my debit card. I canceled the card on-line, and was issued another card. This card was linked to my checking account, but had a different card number than the lost debit card. A few days ago, I received an email notification that XXXX XXXX, a recurring auto-debit, could not process my payment of {$19.00} because the old card number did not work. I had not given XXXX the new debit card number. However, when I checked my bank account with BOA a few days later, the {$19.00} payment had been processed. I looked at the XXXX XXXX account, and sure enough, XXXX had my new debit card on file and had charged the payment. This transaction overdrew my account, and BOA charged me {$45.00} in fees. I spoke with a phone representative of BOA who informed me that this is a common practice. If a recurring debit is denied, BOA is required to provide certain companies with the new debit card information, regardless if the account holder authorized it or not. The representative would not reverse my fees. Unsatisfied with this answer, I visited a branch location in person. The personal banker was unaware of the practice of providing a company with a new debit card number without consent, and spoke with a manager on the phone. The manager was also unaware of this practice. After much debate, the branch officer reversed the {$45.00} fees. However, he still did not believe that I had not given XXXX the new card information myself. So ... I went home and did some research. Something called XXXX Account Updater will automatically update account information- including new card numbers- without consumer knowledge. I believe this practice should not be allowed to continue, and in no way truly benefits the consumer. It is a way for big banks and big business to further make a dime of the backs of the working class. Please investigate this practice For further information, please reference : XXXXThank you.
Product: Mortgage

My mortgage was sold from XXXX XXXX to Statebridge Company earlier this year. This is by far the most unprofessional company I have ever had to deal with. I was charged a late fee of {$45.00} for my XX/XX/XXXX payment as I had paid it electronically from my XXXX account to them directly on XX/XX/XXXX. Because Statebridge does not allow for electronic payments from a financial institution, the very unprofessional customer service person I spoke with informed me they did not receive my payment from XXXX until XX/XX/XXXX. He said they do not refund late fees because customers do not mail them in on time. He also stated that if I did n't like it I was free to refinance my loan with someone else. 
What frustrates me even MORE is that for me to make a payment with extra principal, I have to make that payment via SNAILMAIL or pay it online through Statebridge, but they charge me {$5.00} just to make the payment! If I want to make a payment to the customer service dept it costs {$15.00}! Oh and it wo n't show up on the statement that additional principal is being applied. You have to simply assume they did it. There are no documents or records to look at online either. 
What XXXX kind of archaic world is Statebridge doing business in?? This is XX/XX/XXXX, almost XX/XX/XXXX and they do not allow their account holders to pay directly online?? Snailmail??? Who XXXX uses snailmail anymore? Why in God 's name did XXXX sell my loan to such a circus of a company? Even their website looks like it was set up by some high school students for a project. Completely unprofessional and hodge podge. The employee also informed me that it would take 3-5 days for me to even SPEAK with a Supervisor or Manager! What the kind of outfit does n't even bother to talk with their clients???
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was 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 TransUnion 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 inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, I spoke with XXXX XXXX, VP Lending department at XXXX XXXX XXXX, he informed me that these XXXX [ XXXX ], had point a Lock and or a Frozen my Credit Report information. Listen up XXXX, XXXX Lock. Freeze my XXXX Credit Report, whoever you within XXXX, you XXXX XXXX youre Not Stopping me, listen up Im ALL Ready in court with a Big Case Im litigating, Im Not certain as to who you are within XXXX, in Federal court Im going to personally sue you and get you a go jail card, you XXXX XXXX XXXX XXXX XXXX youre Not Stopping me. Hey XXXX you did think I could do, you XXXXXXXX XXXX, that XXXX XXXX XXXX XXXX XXXX VISA account, better get that XXXX OFF my Credit Report, Purge this XXXX off my Credit Report, Im loving it, Im the XXXX Boss Now, XXXX XXXX XXXX out, XXXX XXXX ( XXXX ) XXXX out, XXXXXXXX XXXX XXXX out, XXXX XXXX that XXXX {$15000.00}, XXXX out, XXXX XXXX XXXX, {$11000.00}, XXXX  out, Im a the XXXX XXXX man XXXX, this is funny, XXXX XXXX  Im paying this TradeLine off before the XXXX of XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I sent dispute letters for charge off/closed XXXX balance amounts thats still showing up on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed: XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX   Made by: XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, XXXX XXXX
Product: Checking or savings account

From XXXX to XX/XX/year> there was a series of charges that occurred when paying my XXXX XXXX, receiving payments from my job, along with other transactions that are dated wrong or are for a wrong amount. I truly believe that their is someone ( s ) that have altered my account statements, transactions, and payments to make it seem like I was the one spending the money. The account statements do not add up to the dates and amounts charged. Also, my account has been closed or suspended without my consent.
Product: Credit reporting or other personal consumer reports

I asked Chex System to send me proof that I owe XXXXXXXX XXXX and XXXXXXXX XXXX  any money. I send a request in a form of a letter on XX/XX/XXXX I never responded to me with any proof.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I'm trying to shop around for cheaper auto insurance through XXXX Reference # XXXX for auto quote. The software they use for driver history is called XXXX. XXXX has a couple inaccuracies about me that derives from XXXX  software. 

I am currently with USAA ( member # XXXX ) for auto insurance. I was in an accident in XXXX of XXXX that USAA has to be the XXXX to put me " AT FAULT '' in the system. I had USAA repair the damage, eventhough another insurance company was responsible. I should not have been considered at fault, and I should have not been responsible for the damages. USAA should have worked it out with the other insurance company for payment. 

Also, XX/XX/XXXX, there was a claim on my insurance from another person, that I was not involved in. My vehicle had no damage and the other party had no proof that I done this. I know I didn't do this. I disputed this also with USAA and during my quote with XXXX, this also came up as me being " AT Fault ''. 

This is ridiculous and it's doing nothing but costing me more money every month.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX, XXXX to remove these inquiries and all attempts failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this request that you reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. The account is listed below for you to review : XXXX XXXX XXXX XXXX Balance : {$30000.00}
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my XXXX score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert from XXXX that i had a credit alert. when i checked my alert my credit score had dropped aprox 100 points and my XXXX credit card was listed as closed by account creditor and was listed under negative accounts. On XX/XX/XXXX my score was XXXX and today it dropped to XXXX. This is what was taken from my alert page : The following changes were reported for your XXXX/XXXX account : Balance Amount Changed from {$550.00} to {$570.00} Comments on your account changed from Charge, Amount in H/C column is credit limit to Account closed by credit grantor, Charge, Amount in H/C column is credit limit, Closed I just spoke with the bank and I have an available credit on the card and this card is not closed. My other issue with how they reported my XXXX XXXX card was reported to negative account when it was closed by me. not the grantor.
Product: Debt collection

XXXX XXXX XXXX, XXXX, XXXX has contacted my nephew XXXX XXXX, My sister XXXX XXXX whom they discussed my debt and case in depth with her, and my work. I called and was met with vague information. when I pressed for information on who they were and why they are calling, the man that I was speaking to became abusive. He told me I was being sued on a " federal debt that is exempt from limitation statutes '', the account is over 6 years old. He told me I owed them {$3100.00}, his attorney fees are going to be {$3200.00} and I could settle for {$1500.00}. I stated this is not a valid debt and he informed me that I just acknowledged the debt on tape " Because this is all being recorded '' I was not made aware they were a debt collection agency or that I was being recorded. I was then informed they have 15 attorneys they will be using to come after me. Again I stated this is n't a valid debt, he told me, " Good luck with that, We 're going to contact XXXX to garnish my wages '' ( my employer ) He also told me that I am on the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I reached out to XXXX via telephone to request paperwork to extend my deferment. I was told that I would receive it via email. It never came ( and I did check my Spam folder multiple times ). I reached out again XX/XX/XXXX and again was told they would send it via email - it never came. I called again in XX/XX/XXXX and the representative let me know that I could request the extension online. I immediately completed the request online and it was processed to be in effect retroactively. 

I am now in the process of purchasing a new home and discovered that only has my credit score taken a hit hit, but I have 6 late payments on my credit record. I've contacted XXXX multiple times in XXXX and XXXX and this will not assist me in clearing up my credit report. They have informed me that even though the deferment was applied retroactively, the payments are still considered late. This makes no sense as per the deferment there were no payments due. They are rude and extremely unhelpful on the phone. I am about to lose a lot of money and a custom built home because of this. As someone who has an excellent payment records on all my other accounts, this is extremely distressing to me and very unfair. I have filed a formal dispute with them, but based on my phone calls with them, I don't have high hopes that they will do the right thing and correct my report.
Product: Credit card

As an existing Wells Fargo Platinum Card holder, I applied and was approved for the Wells Fargo Visa Signature ( R ) Card with the promotion of earning XXXX rewards points on gas, grocery, and drugstore net purchases for XXXX months. I received the new Visa Signature ( R ) Card and just found out that the XXXX rewards points offer is not loaded to my account. In the terms and conditions of this product ( https : //www.wellsfargo.com/credit-cards/visa-signature/terms/ ), there is nowhere mentioned that the XXXX rewards points offer is for new customer only. I felt this is Bait-and-switch.
Product: Debt collection

In XX/XX/2019, XXXX XXXX contacted me to pay off a very old credit card. 
I informed XXXX XXXX that to the best of my knowledge the debt had been paid off years ago. 
They told me no, still owed the debt ; no offer of proof that they had. 
I told them that I was not going to pay the debt again. 
Now they call me 1, 2, or 3 times a day. 
I now refuse to answer their calls.
Product: Credit reporting or other personal consumer reports

I am contacting the CFPB to assist me with removing this fraudulent account on ALL 3 of Credit Files ( XXXX, XXXX, and Transunion ). 

Per 15 USC 1681, governs accuracy, fairness, and the privacy of personal information assembled by Credit Agencies. I have attached a copy of the 1009-C sent to me from XXXX, XXXX XXXX received on XX/XX/2024. The 1099-C proves that this debt shall be removed from all 3 of my Credit Files because it shows the debt was discharged and needs to be removed upon receipt of this complaint. 

My claim is evidenced by the attached 1099-C from the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hello my names XXXX XXXX I'm writing this today, to resolve the misinformation on my credit report. I see different missed payment dates across different credit reporting agencies. When the informations supposed to be inform across all bureaus if it was in fact true. My account has always been in good standing According to the fair credit reporting act information on my credit report should be accurate which this missed payment is not.
Product: Credit card or prepaid card

My XXXX year old daughter received a NetSpend prepaid MasterCard in the mail, to our address, with her name on it. I, her mother, never authorized this account or requested it. It came in the mail on XX/XX/21. I want to report this company.