23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have tried to contact JP Morgan Chase about a Home Equity Mortgage Loan that was opened on XXXX and was part of a shortsale conducted in XXXX. Chase has not responded to my request for them to correct their credit reporting to the credit bureaus. I have sent them XXXX correspondence in writing, and also filed disputes with XXXX, XXXX, and XXXX. All XXXX bureaus have verified that Chase confirms their reporting, which is incorrect. To be clear, they are reporting I currently have a balance of {$310000.00}, which is an astronomical amount of money that i DO NOT owe. This property was short sold and california law prohibits any deficiency balances owed on single family residences. In addition, the Code of Civil Procedure states that a mortgage lender who consents to a short sale waives any claim to pursue the seller for the balance. ( CCP 580 ( e ) - Chase approved the short sale in XX/XX/XXXX. 

Also, the act of credit reporting is considered an active attempt to collect a debt, therefore Chase is collecting on an illegal claim. Since Chase has not responded to my inquiries, I ask that the CFPB help me get chase to respond and not continue to ignore me. 

Attached please find my XXXX demand letter to chase that they have ignored.
Product: Debt collection

I have received repeated calls over the course of six months from Great Lakes on behalf of my student loans, even after I have requested them to cease and desist. They are violating theTCPA and it is interfering with my mental health. 

I want the collection calls to STOP, and i want to set up a p
Product: Student loan

I applied for a student loan in XXXX to get my certification from XXXX. The private loans were serviced through Climb Credit. After applying and getting approved, my payment amounts and start dates changed several times. I spoke with numerous representatives through chat, all of whom gave me conflicting information about my monthly payments and start dates. Initially, I was told my payments would start on XX/XX/XXXX, then XX/XX/XXXX with a lower payment for the first XXXX months, followed by an increase. The only consistent information was that payments were due on the XXXX of each month. 

After further discussions with representatives, I was advised that my payments would not start until XX/XX/XXXX, meaning I wouldnt make any payments for the first XXXX months. By XXXX, I accepted this information as final. However, about a week and a half ago, I logged into my Climb student loan account after receiving an email about an upcoming payment. My account now stated that my first payment was due on XX/XX/XXXX, but it still showed a monthly due date of the XXXX with the first payment in XXXX. 

To clarify, I called and spoke to another representative who confirmed the payment date change. I explained the conflicting information I had received and reiterated that my due date was supposed to be the XXXX of each month, with the first payment starting in XXXX. He was unsure why it was reflecting differently and advised me to update my account myself. 

Yesterday, Climb sent me this email the day before my due date : Dear XXXX, We wanted to inform you that unfortunately, due to a system error on our part, an incorrect date was assigned for your first loan payment. Our system incorrectly indicated that your payment was due on XX/XX/XXXX. 

We sincerely apologize for any inconvenience or confusion this may have caused. We understand the importance of accurate and timely financial information, and we take full responsibility for this mistake. To rectify the situation, we have immediately corrected the error in our system. Your first loan payment is now scheduled for XX/XX/XXXX. 


We are very sorry for any disruption this error may have caused in your financial planning. We value your trust and confidence, and we will take all necessary steps to ensure that such errors do not occur in the future. 



If you have any questions or concerns, please do not hesitate to contact our customer service department at XXXX or reply directly to this email. We are committed to resolving this issue and providing you with the best possible service. 


The Climb Credit Team I recently found out that I am pregnant, and my husband has been laid off for almost XXXX months. We have budgeted and planned our finances, including this loan, around the dates given to us for our bills. Climb Credit misled us multiple times about when my monthly payments would start, and now having to make payments immediately has put my household in a bind.
Product: Credit reporting or other personal consumer reports

Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 
I urgently request that XXXX conducts a thorough investigation into this matter to address the FCRA violations promptly. As a consumer, I am well-versed in my rights under the FCRA, and I trust that XXXX will take the necessary measures to rectify this situation in compliance with the law.I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau , the Attorney Generals Office , the XXXX XXXX XXXX , and the Federal Trade Commission XXXX This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.
Product: Checking or savings account

On XX/XX/2023 I went to the Huntington National Bank in XXXX, Michigan and used their ATM to make a deposit. I deposited cash. I deposited {$500.00} of mostly {$20.00} bills and then {$400.00} of a mixture of {$20.00} 's, {$10.00} 's and {$5.00} 's. For a total of {$900.00}. The ATM could only accept a certain number of bills at a time so I separated the deposit into 2 stacks of bills. I then inserted a stack of {$500.00} into the ATM and then I clicked " Add More '' to insert the {$400.00} into the ATM. The ATM gave me back the {$400.00} as it said it was not able to properly read the bills. The ATM then errored out saying that I need to " Contact my Financial Institution ''. The ATM then gave me back {$20.00}. 

I contacted the bank and issued a dispute that the bank still owes me the {$480.00} as the ATM gave me back {$400.00} + {$20.00}, for a total of {$420.00}, but it still had the {$500.00} that I put in initially. 

Huntington National Bank researched the issue and their research department said that they could only find {$270.00} and that was all that they were going to credit me. 

This is incorrect as Huntington National Bank owes me {$200.00} still. I feel that Huntington National Bank has stole {$200.00} from me with their faulty ATM. 
I inserted at total of {$900.00} into the ATM that day. Was given back {$420.00} and then credited back {$270.00} but that is only {$690.00} of the {$900.00} that I put into the ATM. 

Huntington National Bank owes me {$200.00} I feel very wronged by this as the bank has stole my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

See my attachment. I have a couple addresses which I have the slightest clue as to where theyve been acquired from, as Im unable to receive mail to those addresses, so Id like them removed immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX i sent experian a dispute letter stating i found several discrepancies on my credit report. i stated in the letter to fully validate the information in the letter and if they could not validate the information to remove anything they cant provide signed. experian is required to delete items if not verified according to FCRA XXXX provisions. On XXXX XXXX they asked me to upload documents online to verify my identity. I uploaded the information and still nothing validated or deleted. On XXXX XXXX, i sent a second round of dispute letter asking for full validation of accounts on my credit report. Experian is violating the 15 U.S.C 1681G law violation.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX - XXXX - {$14000.00} XXXX XXXX - XXXX - {$5200.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$410.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX - {$0.00} Late Payment XXXXXXXX XXXX XXXX XXXX XXXXXXXX - {$1100.00} XXXX XXXX - XXXX - {$2700.00} XXXX XXXX XXXXXXXX - {$500.00}
Product: Checking or savings account

On XX/XX/2023 I set up a payment to XXXX XXXX for {$90.00} and was charged a fee of {$1.00} to do so. The payment was never received by XXXX XXXX and XXXX XXXX will not send me proof that the check was sent or cashed. 
I have called many times and am told the same thing, just that it posted. It posted the same time i sent it because it withdraws right that moment, not when the check is cashed. They should not offer a service to send paper checks and then provide no true verification that the check was cashed. 
I want a copy of that cleared check or I want my {$91.00} dollars back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to XXXX with an approval from XXXX XXXX Bank, but they ran my credit with XXXX XXXX XXXXXXXX XXXX XXXX 2 times, XXXX XXXX XXXX XXXX without my consent. 

After that I kept getting inquiries on XX/XX/XXXX from XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX 2 from XXXX XXXX 

The same happened when I went to XXXX XXXX XXXX on XX/XX/XXXX, I had an approval from XXXX XXXX XXXX  and I have unauthorized inquires from XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OF XXXX XXXX XXXX 2 times XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have unauthorized inquires from XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX I need these unauthorized inquires deleted/removed off my credit report.
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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). 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 erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX : {$220.00}
Product: Vehicle loan or lease

I was making payments on vehicle, vehicle was inoperative and unable to drive. Filled chapter XXXX and was making payment to courts to pay loan off. During the process a roommate took my truck and it broke down in the middle of the road as the transmission was going bad and this person was told not to drive. I was unable to retrieve vehicle from tow yard and loan company repossessed vehicle. Then they left vehicle at tow yard and did not even try to sell to recoup some of the money owed. At the time of the repossession the vehicle had a acv of less than XXXX. I had already paid over XXXX and now they are reporting late payments to the credit agencies and causing a great strain on my credit rating. I feel if they never tried to recoup their money from selling vehicle than how do they know how much I owe? It could have sold for a few XXXX and my balance would have been manageable.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to BANK OF AMERICA , N.A . XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or BANK OF AMERICA 's customer service representative.
Product: Mortgage

I received an " Annual Escrow Account Disclosure Statement '' from Mr. Cooper Mortgage Company (  a brand name for Nationstar Mortgage LLC ) dated XXXX XXXX, XXXX. My escrow payment increased on the basis of that escrow analysis effective XXXX XXXX, XXXX, and I have made XXXX escrow payments for the revised amount so far this year ( XXXX XXXX and XXXX XXXX ). I subsequently received a new Annual Escrow Account Disclosure Statement from Mr. Cooper Mortgage Company dated XXXX XXXX, XXXX ( a mere three months since the last " annual '' escrow statement XXXX, increasing my escrow payment yet again, to be effective XX/XX/XXXX. I requested the company to respect the XXXX XXXX statement and they refused, saying the XXXX XXXX statement holds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. Equifax these inquiries has violated my rights. 
( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ) 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 Please validate this information and provide with me the copies of any documentation associated with these accounts, bearing my signature.

In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 






CC : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau via fax ( XXXX ) XXXX CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX CC : XXXX CC : XXXX CC : XXXX CC : XXXX
Product: Mortgage

My loan was transferred to Shellpoint Mortgage Servicing on XX/XX/2021. I received notifications from insurance company and XXXX County, that no payments have been received. I contacted Shellpoint Mortgage Servicing on XX/XX/2021, I was told by XXXX that my insurance is not escrowed, and I need to pay the insurance directly to the insurance company. 

I contacted Shellpoint Mortgage Servicing on XX/XX/2021, spoke with XXXX with the tax department. I was told that there is no county tax in my escrow. On my monthly statement, there is a line item, " Escrow ( Taxes and Insurance ) {$630.00}. '' Please provide written confirmation that taxes and insurance are escrowed. If not, please refund {$630.00} that I paid for XXXX and XXXX, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit reporting agency experian to investigate information that 's incorrect on report. I do n't believe they even investigated anything accounts all should be in bankruptcy. Experian will not srnd me any validation stating legal obligation to any of the accounts that are incorrect. Experian will not send me payment history. Furthermore no account shoulf have negative remarks my bankruptcy is now discharged.
Product: Vehicle loan or lease

Bridgcrest I have XXXX  XXXX XXXX that is XXXX behind I tired to work it out with them and they want my car and not trying to work with me with situation
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, which I recently obtained. After a thorough review, I have identified several discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) and other relevant statutes, such as the Truth in Lending Act ( TILA ) 15 U.S. Code 1666 ( b ) regarding billing errors.

Under TILA 15 U.S. Code 1666 ( b ) billing error, I observed the following violations : Failure to Reflect Payments on Statements : The creditor failed to properly reflect a payment made by me, resulting in inaccurate reporting on my credit statement. 

Computation Errors : I identified computation errors and similar accounting errors by the creditor on my statement, leading to inaccuracies in the reported information. 

Furthermore, it has come to my attention that the creditor did not provide a statement 21 days prior, as required by law. As a result, any reported late payments are deemed invalid, and I request substantial evidence from the creditor to substantiate these claims. 
Moreover, my right to privacy, as outlined in 15 U.S.C. 1681 Section 602 ( A ), and the requirement for written consent under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) have been violated. I insist on a thorough investigation into these matters.

According to the FCRA 15 U.S.C. 1681, any unproven, non-compliant, incomplete, untrue, incorrect, or unverified aspects of alleged derogatory accounts must be promptly rectified, or the accounts in question should be entirely removed. The following inaccuracies should be addressed promptly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  written off. The payment history is inaccurately reported. 
I demand that these discrepancies be promptly corrected or deleted from my consumer report. Failure to comply will leave me no choice but to seek monetary compensation for the violation of my rights under 15 U.S.C. 1681n civil liability. This matter has already been reported to the Complaint Portals for the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 

I expect your immediate attention to this matter and appreciate your prompt resolution.
Product: Debt collection

I purchased about {$170.00} dollars in clothing with XXXX XXXX XXXX about 18 months ago. I failed to pay on time so they added excessive late fees which are beyond the legal standards. They are now asking for {$470.00} dollars. I have no issues paying what I owe but the amount they are asking is sending the message that this is personal. They assigned the dept to creditor.
Product: Debt collection

I am unaware of this debt. I did not have the opportunity to dispute this debt before appearing on my consumer report. I did not receive proper notification. If in fact, you believe I received proper notification please provide the certified mail with a receipt with my signature on there stating that I received it at least XXXX days before it appeared on my credit report.
Product: Debt collection

I have made several attempts to request that " IQ Data '' ( The debt collector ) validate this alleged debt that they are stating that I owe with the first attempt sent in a certified letter dated XXXX XXXX, XXXX of which they never responded or acknowledged that they received it which is a violation of the FDCPA section 1692 ( g ) and the fact that they never responded in 30 days, this is not a valid debt therefore it needs to be deleted from my personal credit account with XXXX. The second letter was sent certified on XXXX XXXX, XXXX and the Third and final letter sent out certified on XXXX XXXX, XXXX of which as of the date of this complaint, they still have not responded. I have even filed a police report against IQ data and still no immediate response from them. I do not know who this company is or how they ended up with all my personal information and without my consent, and they feel it is okay to not abide by the federal laws that protect the consumer from fraudulent claims of debt collection and not answer any of my requests but still communicate with XXXX and not the consumer to advising them to continue to report a invalidated debt on my personal profile which I have not contract with them on nor have they provided me proof in a detailed " Bill '' that show how and when this alleged debt occurred or what is it for or that I owe anyone an alleged debt and they have the authority to collect on behalf of the person who may be claiming I owe a debt. At this point I believe I am a victim of Identity theft and Extortion from this unknown company trying to collect an alleged debt that is not validated and refusing to provide me proof that what they are saying I owe is accurate and really a lawful debt that I owe.