23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage loan was sold by XXXX to Carrington Mortgage Service LLC in XXXX XXXX. I never got any statements from Carrington Mortgage until XXXX XXXX. When I talk to them and I have done so about 10 times they tell me fax us a letter that you want your statements as you had a Bankruptcy discharge in XXXX and we Can Not send anything. I told them I never had any issues with XXXX and they advised me your are we Carrington now and we have different rules. I just want my past XXXX statements from them so I cab Refi my house with someone else. also my credit union fax them a Verification of loan so I can Refi and they do n't want to answer that either. Carrington Mortgage should NOT be in business and checking the BBB they have XXXX active complains due to the way they do business.
Product: Credit reporting or other personal consumer reports

After reviewing my TransUnion, XXXX and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Product: Mortgage

During our Chapter XXXX Bankruptcy, XXXX XXXX XXXX offered us a Trial Modification, we accepted. After the first modification payment our loan was sold to M & T Bank/XXXX XXXX XXXX. It came to our attention that there is an error on the Loan Modification Agreement. We contacted M & T Bank regarding the additional {$21000.00} that was added to the modication and we received a letter stating how they came up with the figure. ( See Attached ) During our Chapter XXXX bankruptcy, we were paying XXXX XXXX XXXX Arrearage, the amount paid to them was {$10000.00}. On a previous letter sent to me regarding my request for explanation of mortgage account it states the balance of the loan as of XXXX XXXX, XXXX was XXXX and the total amount due in your loan as of XXXX XXXX, XXXX is {$290000.00}. M & T was not the servicer on our loan in XXXX. We are concerned why the additional {$21000.00} was added to the loan modification.I have also included a document from XXXX stating that my balance on the loan as of XXXX/XXXX/XXXX was {$270000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

inIn accordance with the Fair Credit Reporting Act. The List of Accounts Violated My Federal Rights protected by privacy and confidentiality under 15 USC 1681 XXXX  Account # 1234 15 USC 1681 SECTION 602 A 1-STATES I have the right to privacy 15 USC SECTION 604 A SECTION 2- Also states a consumer agency can not furnish an account without written permission instruction 15 USC 1681c ( a ) ( 5 ) Section2- States no consumer reporting agency may make any consumer report containing any of the following items or information or any adverse item of information other that records of convictions of crimes which antedates the report by more than 7 years 15USC 1681s ( 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 its inaccurate XXXX  XXXX ACCT # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ACCT
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out an education loan back in XXXX XXXX, XXXX which was serviced by XXXX. Over the years, I have had my own personal hardships and was unable to make payments on this loan. There were originally two loans. One of the loans has been deleted for incorrect reportings. The original loan was {$15000.00}. 
After reviewing my credit report I found that the current XXXX was incorrect in numerous ways : 1.  The amount financed is incorrect. They have it as {$16000.00}. It was supposed to be {$15000.00}. 
2. The past due amount is {$45000.00} which is incorrect because it is almost triple the amount financed. This is a violation of my rights. Collection fees can not be more than the amount originally financed. 
3. The past due amount should have been {$33000.00} Not the amount reported. 
4. They have positive payments from XX/XX/XXXX to XX/XX/XXXX. This is incorrect. I requested to have it deleted due to the 7 years being expired and they falsely reported payments in order to restart the time clock. 
I asked XXXX for a transcript of all the findings listed and they were unable to provide them to me. Therefore I reached out to the credit bureau and asked them to investigate and each time they returned the account as being validated, but still never showed me documentation of this accuracy. 
Over the last year, I have opened up several disputes and even called them to speak to them about this. Again, they simply said it was investigated. I have never made any payments on this account since it started in XX/XX/XXXX. 

In XX/XX/XXXX I made two payments for the amount of {$25.00} on the other XXXX account that has since been deleted. What XXXX did was take those payments and apply {$9.00} to the current one in order to keep it running. This is a clear violation of my rights. Again, I asked both XXXX and the credit bureau to send me documentation and it was not done. Each time I contacted XXXX they simply say that they will send it and then they dont. In regards to the credit bureau they simply say the investigation is completed. 
XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX Amount reported : {$45000.00}, {$45000.00} also said a portion was charged off.
Product: Credit reporting or other personal consumer reports

The company is Experian and My Experian account got locked due to failed password attempts, so it gave me a phone number to unlock my account, however, whenever I tried calling it kept giving me options that weren't even related to locked accounts and whenever I keep repeating to talk with a representative, the auto message always say there isn't anyone available, and I tried calling different hours and different days. Its frustrating and I can't even delete my account now since it is locked. The image I provided shows the various Experian numbers I've attempted to reach out and received no response.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and XXXX. I have encountered the same experiences with Transunion that CFPB sued the other two major credit bureaus for. 
On numerous dates, I submitted disputes to Transunion regarding inaccuracies on my credit report, The credit bureaus returned their findings stating that the information was " verified as correct. '' However, no evidence or explanation of the investigation process was provided, and the errors remain on my credit report. 
Under the FCRA, credit bureaus are required to : Conduct thorough and timely investigations of disputed information. 
Remove or correct inaccurate, incomplete, or unverifiable information from a consumer 's credit file. 
By failing to investigate properly and continuing to report incorrect information, the credit bureaus are in violation of the FCRA. 

These errors have negatively impacted my credit score, leading to financial harm, including : Higher interest rates on loans. 
Denial of credit or other financial opportunities. 
Emotional distress from repeated failed attempts to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am writing regarding accounts that has been charged offs are listed on my credit report. The details of the account are as follows : Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Dispute Summary : Under 15 U.S.C. 1601, 15 U.S.C. 1666, and 15 U.S.C. 1692c ( c ), I am exercising my rights to dispute this account and request specific documentation regarding the status of this debt.

Request for 1099-C Form : These accounts has been charged off and the debt canceled or forgiven, I am requesting a copy of the 1099-C Cancellation of Debt form that was not issued to me and filed with the Internal Revenue Service ( IRS ) . The issuance of a 1099-C form confirms that the creditor has discharged the debt and may have considered it as income for tax purposes.

Again, neither creditor 1099-C form has not been issued, I request written confirmation that the debt has not been canceled and clarification of the charge-off status. 

Legal Basis for Request : 15 U.S.C. 1601 ( Truth in Lending Act ) : Ensures transparency in the reporting of financial obligations. 
15 U.S.C. 1666 ( Fair Credit Billing Act ) : Entitles consumers to dispute errors in billing and request clarification of account details. 
15 U.S.C. 1692c ( c ) ( Fair Debt Collection Practices Act ) : Provides consumers the right to request cessation of collection activities and validation of disputed debts. 

Additional Requests : Any documents evidencing the transfer or sale of the debt to a third party, if applicable. 
Verification of the charge-off date and the amount at the time of charge-off. 
If the requested documentation, including the 1099-C form, can not be provided, I demand that the account be removed from my credit report as it would constitute a violation of the Fair Credit Reporting Act ( FCRA ) due to inaccurate or incomplete reporting. 

I kindly ask for a response within 30 days of receiving this letter. Please send all correspondence to the address listed above. 

Thank you for your immediate attention to this matter.
Product: Checking or savings account

I am writting to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to tagged posting of charges and credits. This issue aligns with the. recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I request an investigation into my account transactions.
Product: Vehicle loan or lease

On or about the end of XX/XX/XXXX, I brought a 2018 Mercedes benz. A couple of weeks after I brought the car home the engine light came on and the brakes starting squeaking and the car jerks when I start the car or when I am at a red light. Also I am told the brakes only start when it is cold. They start hot, cold. 

Who want 's to buy a car that the brakes make a horrible brake sound, when I make a U-turn or parked in between cars the brakes sounds horrible. My insurance went up because they stated it was from an auction. I called Mr. XXXX states per XXXX XXXX it was a lease, when I checked XXXX XXXX it stated as rental. 

I have taken it back to the dealership several times about this matter, of course, they will say it is nothing wrong with the brakes. XX/XX/XXXX my last visit I sat with XXXX the REP states the car is made to have a delayed reaction. And the warrant coverage do not cover for brakes.
Product: Debt collection

The company is Navient. They have been robo calling multiple times a day. We've called to ask them why they are calling as my wife and I have never had a student loan. They told me to report them to the " Do Not Call '' registry - if I wanted it to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion credit score went from XXXX to XXXX in a matter of weeks with nothing on my credit report nothing in my collections and nothing explaining why my TransUnion dropped from XXXX to XXXX
Product: Student loan

I have private student loans through XXXX XXXX XXXX XXXX XXXX. I have automatic payments set up and last month I made a double payment. My account shows that my next payment is not due until XX/XX/2024 ; however, the company tried to take out an additional payment on XX/XX/2024 and it shows that another autopayment is scheduled for XX/XX/2024. I called XXXX and questioned them and they told me that because I am on autopayment, they will continue to pull funds out even though a payment is not due until XX/XX/2024. This is incredibly predatory and needs to be stopped. CFPB needs to intervene and shut this predatory practice down!
Product: Credit reporting or other personal consumer reports

To whom it may concern. Accounts XXXX XXXXXXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$690.00} William Rush associate {$2900.00} I have received a copy of my credit report. To my surprise you are reporting this accounts incorrectly. This collection accounts are reporting not only open but also show past due balances. According to FCRA I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX NY XXXX Dispute of Time-Barred Debt - Expired Statute of Limitations Dear DEPT OF EDUCATION/XXXX I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Account Number : XXXX XXXX Original Creditor : DEPT OF EDUCATION XXXX  Amount : {$2000.00} & {$1200.00} * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, 1 have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt. 
I kindly request the following actions : 1. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations.

2. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX Email - XXXX SSN- XXXX ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW 1. DEPT OF EDUCATION/XXXX- {$1200.00} - ACCOUNT # - XXXX 2. DEPT OF EDUCATIONXXXX {$2000.00} ACCOUNT # - XXXX Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong
Product: Mortgage

Why is there a shortage in our monthly mortgage installment payments before the escrow tax was assessed in XX/XX/2019? 
The response includes shortfalls from XXXX, XXXX & XXXX, when we were paying hundreds over the amount owing to cushion the shortfall to be assessed. 
Why does the escrow shortfall amount and the monthly mortgage installment amounts due keep changing every time they are assessed? 
Why has the accurate amount not been reflected to this date when it has been 10 months? 
Why do we have late fees and adverse credit reporting when we have not had an accurate amount for shortfall and monthly mortgage installments? 
Why are our monthly mortgage installment payments not being credited to our account? 
Why do we not receive monthly mortgage statements before balance is due, with amount owed and payments applied?
Product: Credit reporting or other personal consumer reports

I gained access to my credit report and noticed several items that weren't recognized and personal information was incorrect. These accounts and inquiries were pulled without my permission or consent. I demand a full and thorough investigation on my credit report. This is destroying me financially in my life, I can not get extended any credit due to this crisis on my credit report. PLEASE REMOVE / DELETE these items off my report. 

XXXX Account # XXXX Bal : {$180.00} Opened : XX/XX/XXXXXXXX XXXX Account # XXXX Bal : {$180.00} Opened : XX/XX/XXXX XXXX Account # XXXX & # XXXX  Opened : XX/XX/XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX Account # XXXX Bal : {$180.00} Opened : XX/XX/XXXX XXXX XXXX Account # XXXX Bal : {$220.00} Opened : XX/XX/XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX Balance : {$20000.00} XXXX XXXXXXXX XXXX Date XXXX XXXX Account # XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX # XXXX Balance : {$500.00} XXXX XXXX XXXX  : Date : XXXX # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX : {$76.00} XXXX XXXX Account # XXXX XXXX balance {$1000.00} XXXX XXXX XXXX # XXXX XXXX {$2000.00} XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX {$1000.00} Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Is A Violation Of : 15 USC 1681N 15 USC 1681 Q, 15 USC 1681 E In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a prior dispute, XXXX  removed all of the following accounts because of false misrepresentations while XXXX  has deleted one and is in the process of removing the remaining two accounts. However, XXXX has decided not to remove any of the following accounts although both agencies were submitted the exact same information regarding the Capital One accounts.

For whatever reason, XXXX can not find reasonable cause to remove the other two account when they have all the required information to do just that, remove the incorrectly reported accounts.

Capital One Accounts in Dispute : XXXX - {$1300.00} ( Deleted by XXXX ) ( Pending XXXX deletion ) XXXX - {$280.00} ( Deleted by XXXX ) ; ( Pending XXXX deletion ) XXXX - {$390.00} ( Deleted by XXXX  ) ; ( Deleted by XXXX )
Product: Credit reporting or other personal consumer reports

I am filing a dispute regarding the accounts listed below, which appear on my credit report inaccurately and in violation of federal statutes and credit reporting guidelines : 1. Account Name : [ XXXX XXXX XXXX XXXX ] Account Balance : {$1000.00} Violation : Lack of permissible purpose to report this account on my credit file under 15 U.S.C. 1681b. 
Communication practices that violate 15 U.S.C. 1692c of the FDCPA. 
2. Account Name : [ XXXX XXXX XXXX ] Account Balance : {$2500.00} Violation : Same as above. 
3. Account Name : [ XXXX XXXX XXXX XXXX ] Account Balance : {$3000.00} Violation : Same as above. 
4. Account Name : [ XXXX XXXX XXXX ] Account Balance : {$7100.00} Violation : Same as above. 

Key Issues : These accounts are being reported inaccurately and possibly without legal authority or compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 
The reporting entities have not provided validation of the debt, nor proof of a permissible purpose to access or report my credit file. 
These accounts are non-compliant with Metro 2 guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Product: Checking or savings account

I want CapitalOne to enable me to share my financial data with 3rd party applications and affiliates such as XXXX. These programs help me monitor spending, budgets, transaction and theft alerts. I should have easier access to this information through the choice of who I share this information with.
Product: Mortgage

Hud paid my mortgage company XXXX and the amount has not been deducted for the original amount owed. I have called Midland Mortgage and gotten no answers as to where the money went. I do not understand how the balance is the same when Hud paid XXXX. I am trying to sell my home and I am unable to due to this problem. When I called Midland Mortgage and spoke to a supervisor I was disconnected when I asked what happened to the money that HUD paid Midland Mortgage. 
I want to sell the home!