23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Per, our Qualified Written Request to Fay Servicing and their Investor ; XXXX XXXX XXXX XXXX ( sole trustee of XXXX ) .on XX/XX/XXXX we have not received their response or corrections of the mortgage loan balance stated on their payoff demand letter XX/XX/XXXX, states {$740000.00} balance. Our mortgage audit report of XX/XX/XXXX states the loan balance should be {$420000.00}. Miscalculation, overcharges, hidden fees and excessive fees, over {$300000.00} XXXX of dollars added to loan, are violations of : The California Rosenthal Fair Debt Collection Practice Act { FDCPA } { 15 USC 1692 et seq } Case No.23-1225 ( 1st Cir ). Case ; XXXX XXXX XXXX XXXX XXXX. Fay Servicing and their Investor ; XXXX XXXX XXXX XXXX, should be responsible for false representation for mortgage debt amount of balance that is not owed, unless justified from our original loan amount as of XXXX for the amount of {$530000.00} of mortgage payments paid into loan up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FEDERAL CREDIT UNION AMOUNT {$25000.00} I HAVE BEEN TRYING TO CONTACT THIS COMPANY BUT THEY HAVE NOT RESPONDING TO MY CALLS.
Product: Debt collection

I should have a XXXX balance and not sure why I am past due. I have requested a full history and still have not received. Please help this is hurting my credit
Product: Student loan

I have a student loan owed to ACS ( XXXX XXXX and XXXX ) - around {$2800.00}. I am a XXXX XXXX XXXX at the moment. I have sent School Verification Letter to ASC, however it has been updated to ACS system. I am able to pay back this student loan from XXXX, 2017 when I finish my XXXX ( XXXX ).
Product: Debt collection

On XX/XX/XXXX I disputed a {$2600.00} collections debt on my report to an unknown party Hunter Warfield INC. through XXXX XXXX I do not know this individual and do not owe them any money hence why I disputed. As of XX/XX/XXXX over 45 days later I have not heard back from the debt collector acknowledging or validating the collection.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





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

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX XXXX XXXX and also reached out to XXXX about my concerns about the following account which is XXXX XXXX XXXX XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and identity theft, which has resulted in fraudulent accounts and unauthorized inquiries being reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and permanently delete the following accounts and inquiries from my credit report.

Fraudulent Accounts XXXXXXXX XXXX XXXX XXXXXXXX - Account # XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXXXXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2600.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2000.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$890.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$700.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$890.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2000.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

In a recent response from Caliber for case XXXX ( under the assistance section ) it was stated that it was unclear as to why I contended that Caliber has failed to offer me foreclosure alternatives. Since XXXX 2013 Caliber has only asked me if I had the information for XXXX, they have not demonstrated that they want to help me keep my home. I asked for a cease and desist because Caliber representatives were so nasty and rude. Please listen to previous conversations between me and Caliber that began in XXXX 2013. Even with the cease and desist, I call frequently and have spoken with at least XXXX different SINGLE point of contacts. Each person has a different message. As recently as XXXX XXXX I was told that the sheriff sale was scheduled for XXXX XXXX by XXXX different single point of contacts. On the same day, I called Caliber 's attorney XXXX XXXX. XXXX told me that I was misinformed and asked who told me that the sale was still on for XXXX XXXX. XXXX told me that he had documentation that there was no lien against my home and that the case was in loss mitigation and would not be in a sale on XXXX XXXX. Also, on XXXX XXXX, the Caliber contact stated that either I pay XXXX or lose my home in a sheriff 's sale on XXXX XXXX that was my only option. Only Caliber 's attorney was helpful and forthcoming.
Product: Debt collection

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE ALL OF THESE ACCOUNTS PERMANENTLY!!!
Product: Credit reporting or other personal consumer reports

Someone have used my name to get credit cards and used my name on credit building website. Now I have hard inquiries thats I have no clue where they came from.
Product: Student loan

My student loans changed servicers and no longer has a distinct account number for each loan. It is now impossible to send payments outside of the website and specify accounts. As a result, I have had to file standing instructions for how a recurring monthly payment is allocated. 

The standing instructions are never followed and I must manually request the payment be corrected every month. I have asked instructions to be corrected several times, but the issue is never resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found fraudulent accounts in my report :  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX for XXXX XXXX XXXX started a foreclosure complaint and we answered and motion for discovery of XXXX & Demands from our Servicer Rushmore Servicing and the alleged investor XXXX XXXX. We were told by the attorney to Plaintiff, XXXX that he does not represent Rushmore or XXXX XXXX in the foreclosure, even though we were directed by our Servicer Rushmore Servicing to contact THEIR law firm XXXX XXXX XXXX XXXX. 
Since we have been getting nothing but the run around in this awful XXXX XXXX, we need to forward to both parties and request the CFPB to compel them to answer the XXXX & XXXX XXXX  as required.
Product: Vehicle loan or lease

On XXXX  XX/XX/XXXX I received a call to purchase my XXXX  XXXX XXXX XXXX high country. After we agreed upon the price of {$55000.00} I sent a screenshot of my GM financial account number, VIN number to the truck and the payoff amount. I still owed {$2200.00} after our agreed upon amount. The buyer stated he would rely the information to his credit union and have them wire the money in the morning. Layer that night, he called and stated his bank said they would send the payment over for the truck by XXXX the next morning. On Thursday XX/XX/XXXX I checked my account after XXXX am and there was a {$0.00} remainder on the account and the GM Financial account was closed. After speaking with the buyer we agreed upon me paying him the {$2200.00} difference. We called GM financial multiple times and they stated everything was taken care of and that XXXX XXXX XXXX XXXX now had the lien and title. after sending the money to the buyer we waited for him to pick the truck up. The buyer never came and picked up the truck but the balance still showed {$0.00}. After XXXX hours of the buyer not picking up the truck the police were called and an investigation was started. We contacted GM financial multiple times again and asked what to do and they said there was nothing to be done that the account was taken care of and closed and we were no longer financially responsible for the account or truck. They stated the received and verified the check and we were good to purchase another vehicle. We then bought another vehicle and the next day our GM financial account was reopened and the loan was again active and they stated the check was returned. We have video recordings and also documents showing where our account was closed, we were Financially not responsible, and the truck was already off of the credit report. We now have 2 truck payments because GM Financial told us we were no longer financially responsible for the truck. We have contacted multiple lawyers who say this is the responsibility of GM. We would like to settle out of court but are willing to hire a lawyer if needed because we can not take on the responsibility of another payment due to the lack of GM Financial.
Product: Credit reporting or other personal consumer reports

I went to buy a car at the dealership they put over XXXX unauthorized inquiries on my credit report, this is IDENTITY THEFT! I did not give them permission to run my credit like that these are the dates and inquiries i want removed, On XX/XX/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 XXXXXXXX I sent 3 CERTIFIED letterXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) tDo Equifax, Experian & Transunion on XX/XX/XXXX asking the CRETIT REPORTING AGENCIES to remove these OLD XXXX, XXXX XXXX XXXX I GOT NO RESPONDS!!!!
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide me with the purchase agreement to show full ownership of such account and also any other documents they may have so that I can review and see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, These items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Demand for Proper Investigation of Disputed Credit Report Errors To Whom It May Concern : I am writing to formally address Experians inadequate and sham investigation of the disputes I submitted regarding errors on my credit report. Despite providing detailed evidence and documentation to support my claims, Experian has failed to conduct a reasonable and thorough investigation, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

This letter specifically concerns the following erroneous items that remain uncorrected on my credit report : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXXXXXX Your response to my dispute ( s ) demonstrates an egregious failure to comply with your statutory duty to conduct a reasonable reinvestigation. Experians apparent reliance on automated verification systems ( e.g., e-OSCAR ) without genuine review or analysis of my submitted evidence constitutes a sham investigation. This practice fails to meet the standard of a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Experians Failures Include : Failure to Properly Investigate : The lack of engagement with the supporting documentation I provided shows that Experian conducted a perfunctory and ineffective review. 
Failure to Correct Inaccuracies : The disputed items continue to appear on my credit report without justification. 
Failure to Comply with FCRA Requirements : Experians actions violate 15 U.S.C. 1681e ( b ) ( requirement to maintain accurate credit reports ) and 15 U.S.C. 1681i ( a ) ( requirement to conduct a reasonable reinvestigation ). 

Legal Action Warning If Experian does not resolve these disputes immediately, I will have no choice but to escalate this matter. Specifically : 1. Within 10 days, Experian must : Conduct a proper and thorough investigation of each disputed item. 
Provide a written explanation of the investigation methods used. 
Correct or remove the disputed errors from my credit report. 
2. If these conditions are not met, I will pursue all available remedies under the FCRA, including filing a lawsuit for : Actual damages caused by harm to my creditworthiness. 
Statutory damages for noncompliance. 
Punitive damages for willful violations. 
Attorneys fees and costs. 

This letter is both a formal dispute and a demand for immediate corrective action. Experians continued negligence and failure to act will result in further liability. 

I expect Experian to take this matter seriously and fulfill its legal obligations under the FCRA. Failure to resolve these disputes adequately and promptly will leave me no choice but to escalate the matter legally and notify regulatory authorities.
Product: Consumer Loan

BMO Harris Bank issued me an auto loan. Once I 'd paid the loan in full and filled out a change of address form on their own website that same day - they still sent the loan to the address from 3 years ago. They told me they would call back in a week if the title had n't been returned and make it right - they never called back - every time I call they make up some excuse and are basically just hoping I go away.
Product: Bank account or service

I tried to use a Visa Debit prepaid card with the four digit number and it did not work. I also called the company using the " XXXX '' # on the back, the person who answered asked for a 16 digit # on the back of the card. I gave him the # he asked for the value of the card, I gave him that information. He said to use the last 4 digits on the front of the card as the pin #. Once again it did not work. I used a different " reliable '' previously used debit card returned back some of the goods and paid the bill and left.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are being illegally reported on my credit report. On XX/XX/18, XX/XX/18, and XX/XX/18, I formally disputed it directly with Transunion in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out all companies yet again with a letter in getting this issue resolved, I sent along an affidavit but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting these fraudulent accounts remove immediately, please!
Product: Credit card

Chime stated via text a fraudulent charge was attempted XX/XX/. I confirmed in my response via text that the charge was not initiated by me and was in fact, fraudulent. They then, replied, the charge would be blocked. Not only did they wait for the charge to clear and post, but after calling XX/XX/ a dispiute was never filed. I had to call again, XX/XX/XXXX, to file a follow-up dispute with supporting screenshots/documentation of the text message and my whereabouts at the time of the transaction. After less than 4 hours, the investigation was concluded and case subsequently closed. A customer service rep confirmed multiple transactions were attempted and that was the only XXXX flagged and myself notified about. The amount total is {$310.00} that Chime is stating that I owe after XXXX dispute attempts. Charge orginated in XXXX, XXXX. They're now stating due to bankruptcy they're unable to refund/or remove/reverse the charge. and unable.