23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The beginning of XX/XX/2019, I decided to refinance my home loan with my current loan servicer, DiTech. On XX/XX/XXXX, I advised the loan officer that I did not want to use their Title Escrow partner, XXXX XXXX XXXX, and wanted to use XXXX XXXX in XXXX, where the subject property is located. I provided XXXX XXXX with the contact info and fees sheet from XXXX XXXX. 
On XX/XX/XXXX, the contract processor, XXXX XXXX, informed me that they did not start the vetting process on XXXX XXXX and the fees for XXXX XXXX XXXX was approximately {$20.00} greater. I showed her the the fees were {$570.00} greater per the loan estimates. She then told me that these number were initially estimates and the fees are {$66.00} greater. 
When I signed the loan documents on XX/XX/XXXX, the fees were {$170.00} greater. 
I sent a letter and copies of the emails to DiTech for a refund on the {$170.00} that they said that my loan was transferred to XXXX XXXX, and they can not do anything. They transferred my letter and request to XXXX XXXX. 
This is passing the buck to the new loan servicer and not the company who misrepresented themselves.
Product: Debt collection

This complaint concerns Portfolio Recovery Associates, LLC. ( here after referred to as PRA ) PRA hired XXXX XXXX XXXX to sue me for a debt that I do not own. 
I responded to both parties by asking for the information required by the FDCPA to legitimize this debt. The only thing PRA was able to provide me was in house information typed on their own letterhead. This is not sufficient to establish that this account is mine. 
When I disputed this and asked for it to be removed. It was not. ( Please see enclosures ) I asked them to stop all communication unless they could verify this debt with original documentation. They did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$150.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$98.00} ), XXXXXXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, XXXX XXXX ( Origination Date : XX/XX/XXXX, Current Balance {$260.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$24000.00}, {$6800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT XXXX XXXX EXPERIAN JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY XXXX XXXX EXPERIAN CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL XXXX OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY XXXX. XXXX  XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name-XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX XXXX # XXXX Account Name- XXXX XXXX Account # XXXX Account XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- The XXXX XXXX XXXX Account # XXXX Account Name- 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 an account without my written instructions. 

15 U.S.C 1681c, ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My last place of rental was abated, leaving me completely free of having to pay for any fees tied to the apartment. Due to the apartment failing an inspection. I sent proof of the abatement letter from my housing specialist, stating that I did not owe the apartments any fees. XXXX, EXPERIAN, AND XXXX still have the debt of {$1000.00} listed on my report. Making it difficult for me to rent elsewhere!
Product: Mortgage

First of all I would like to take this moment to thank you for all the wonderful work you do in helping us resolve issues that would take years to resolve but because of your exceptional work they get resolved sooner, for that thank you. 
I have a mortgage with Pentagon Federal Credit Union ( PENFED ) I the borrower pay the Insurance and Taxes no escrows. I paid the Insurance and the taxes for fiscal year XX/XX/XXXX-XX/XX/XXXX. My XXXX XXXX XXXX forwarded the homeowner 's declaration page ( HODP ) in XXXX XXXX on the renewal date. In XX/XX/XXXX I received a letter from PENFED requesting a copy which I uploaded on the internet portal as they requested. In XX/XX/XXXX I was notified of forced insurance. Called their toll free and I was advised that they received all the needed documents ( s ). Forward to XXXX XXXX they raised my payments to reflect the forced insurance. I have tried to correct the issue and they acknowledge they received the HODP I 'm not sure if its incompetence on the employees on their systems do n't interface/talk to each other. If could be kind enough and help me resolve this issue of having XXXX policies on XXXX house.
Product: Debt collection

I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX XXXX Loans including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between National Collegiate Trust ( NCT ), American Education Services ( AES ), and XXXX XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX Student Loans XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX XXXX Loans, National Collegiate Trust, American Education Services, or XXXX XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize this inquiry on my report and i did not give anybody permission to run my credit.
Product: Mortgage

We have been trying to obtain a payoff from XXXX servicing sinceXX/XX/2020. As of yesterday XX/XX/2020 they have not issued the payoff to us or the customer. We have confirmed receipt of our payoff request on XXXX in which we were told that they had a 2 business day turnaround time ticket number ( XXXX ), when we followed up on XXXX we were told that their turnaround time is closer to 5 business days that that the additional time was because they had to hand calculate the additional balance and we were told that we would receive an email confirmation once the loan servicing has been handled, which did not happen. On XX/XX/XXXX we spoke to a representative that stated that all payoff requests are delayed at this time and the representative couldn't give us an ETA and could not escalate any further without the borrower calling in EIGHT business days after our initial request. The borrower called in on XX/XX/XXXX and was told that they had never received our payoff request and that they could not help her at this time. She had tried numerous times afterwards and was hung up on and told that the payoff " would be faxed as soon as they were off the phone '' we have still not received the payoff request ( right now it is XXXX on XX/XX/XXXX ). The borrower is selling this property and simultaneously purchasing another and is at risk of being in breach of contract for both due to the negligence of this servicer. It has been 12 business days since our initial request for a payoff, which is a reasonable amount of time to give the servicer to complete this task.
Product: Debt collection

In XXXX 2015 a collection agency called XXXX XXXX XXXX reported to the Credit Agencies a debt collection for the amount of {$470.00} from XXXX which a disputed and reported to CFPB and it was resolve. 
In XXXX 2015 a new debt collection agency called AFNI is trying to collect the same debt of {$470.00} from XXXX and reported to the credit agencies again
Product: Checking or savings account

I am writing to express my deep concern and frustration regarding the handling of multiple disputes on my account. As a long-standing customer, I have always trusted Chase to uphold the highest standards of service and integrity. However, recent events have led me to question this trust. 

On XX/XX/XXXX, I made a purchase for {$1300.00} from XXXX, which I later disputed after returning the products to the merchant due to late shipment. To my surprise, Chase inexplicably separated this purchase into two parts of {$680.00} each. What is even more perplexing is that one of these claims was closed while the other remained open, despite both transactions having the same transaction number. This inconsistency raises serious concerns about the processes being followed and whether they align with Chase 's stated policies on customer rights to dispute. 

Following this incident, I filed another dispute for {$2000.00} related to a XXXX XXXX purchase on XX/XX/XXXX. This claim was also closed prematurely, despite my submission of the required credit voucher from the merchant. It is baffling how a claim can be closed within minutes of submitting necessary documentation, yet reopening a claim takes 5-7 business days. This disparity in processing times is not only frustrating but also suggests a lack of due diligence in handling my disputes.

I have been consistently directed to various departments without receiving a clear or satisfactory resolution. Each interaction only prolongs the issue and causes unnecessary delays. I want to be clear that if Chase does not address these matters promptly and fairly, I will be forced to escalate this issue to the highest levels, including seeking external recourse to protect my rights as a consumer. 

I urge you to reconsider the handling of my disputes and provide a swift and fair resolution. I expect prompt communication on the next steps and assurance that my concerns will be addressed appropriately. 

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

I opened an account on XX/XX/2024 with promo code XXXX. Tradestation is now claiming that the promo code is no longer valid. Well, it was valid on the day I signed up and it even displayed the code on the landing page which I took a screenshot of ( see attachment ). This is a clear case of bait and switch. 
Company claims that the website was not updated, but whose fault is that? The application page accepted the promo code and honestly would not have signed up without that offer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account number XXXX, has violated my rights. 

15 U. S. C. 1681 Section 602 A states I have the right to privacy.

15 U. S. C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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 Experian and XXXX to validate account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol one XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX inc XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all these account inquiries are not accounts of mine and I don't recognize them did not authorize them
Product: Bank account or service

On XXXX/XXXX/2016 {$1500.00} was withdrawn from my bank of America account using a fraudulent duplicate debit card. The debit card was in my possession and the withdrawals took place in a city XXXX miles away from my location. Bank of America has denied refunding my money three times and advising the claim is not valid and it was not fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased XXXX  on XX/XX/XXXX from XXXX XXXX XXXX Financed with PNC bank. traded Vehicle in on XX/XX/XXXX with full pay off with trade in for New Vehicle. Vehicle was not paid off in a timely manner causing a 30 day late payment to show on my and my wifes credit report causing a decrease in score and higher interest rates for all financial needs such as but not limited to Mortgages, new car loans ect... 
I have disputed and provided signed contracts of the trade in but nothing has been fixed as it should be. 
I filed complaints for both XXXX XXXX XXXX as well as PNC bank. 
Disputed with all 3 credit reporting companies and nothing has been done yet.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer report and informed your agency onXXXX XXXX, XXXXregarding several disputed items. However, despite this notification, the issue remains unresolved in a manner that is fair and equitable to me, as required by the Fair Credit Reporting Act ( FCRA ). Your agency has clearly refused to follow the law and honor my previous request. Therefore, I am requesting a reinvestigation and demanding that your agency explain your METHOD OF VERIFICATION in verifying these items, pursuant to 15 USC 1681i ( 7 ). 

I have suffered emotional distress as a direct result of this matter, and I demand that this be resolved equitably, which has yet to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : DEPT OF XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX & XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed all these accounts with all three credit bureaus. 

Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these credit items several times with each bureau.