23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our XXXX had a mortgage on several residential properties with XXXX XXXX. The mortgage was purchased by Statebridge Co. We paid the debt in full in XX/XX/XXXX. I have the discharge of mortgage and a clerical error was made by Statebridge. The released property is listed as our XXXX 's mailing address and not the several properties the actual mortgage was for. I contacted Statebridge to alert them on XX/XX/XXXX. XXXX XXXX from Statebridge was associated with this loan. I notified Ms. XXXX of the issue by email, she responded XXXX XXXX XXXX and again the same day stating she had located the document and was working on it. Having heard no response i have emailed her XXXX XXXX, XXXX asking for the status. No response. This is a clerical error Statebridge can easily resolve. Our XXXX needs to restructure quickly and further loans are being denied as a result of Statebridge 's reluctancy to correct their mistake.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the accuracy of the reporting of a charge-off on my credit report. Upon reviewing my credit file, I noticed that the account listed under XXXX with account number XXXX opened on XX/XX/year>XXXX  still shows a balance. According to the Fair Credit Reporting Act ( FCRA ), information reported to the credit bureaus must be accurate and verifiable. 
As you are aware, once an account is charged off, the creditor should not continue reporting a balance unless the balance has been paid in full or settled. The continued reporting of this charge-off with an outstanding balance is misleading and violates my rights under the FCRA. 
Please be advised of the following : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 609 of the FCRA, I have the right to dispute any information on my credit report that is inaccurate or incomplete. Section 611 ( a ) ( 1 ) of the FCRA also mandates that credit bureaus investigate disputed information and correct or remove any inaccuracies within 30 days. 
2. Fair Debt Collection Practices Act ( FDCPA ) : If this account is being managed by a collection agency, please ensure that they are also in compliance with the FDCPA, which prohibits misleading or false representations regarding the amount or legal status of a debt. 
I am requesting that you investigate this charge-off, correct the balance reported, and provide me with documentation verifying the accuracy of this charge-off. If the creditor is unable to substantiate the balance or the charge-off status, I request that the balance be removed from my credit report entirely. 
Please send me written confirmation that this dispute is being investigated, and that the necessary corrections will be made in accordance with the law. 
Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft and just found out that a company named XXXX XXXX XXXX has been reporting this account on my credit that i never authorized. I have never given permission for them to obtain my personal information like my social security number or personal address. I have stated this to TransUnion on XX/XX/2020. I have sent them my valid FTC report as well as police report to support my request.
Product: Mortgage

Litton Loan Srrving collected morgage payments from me from XX/XX/XXXX TO XX/XX/XXXX WITH NO LEGAL RIGHT TO COLLECT AS RECORDED IN THE XXXX distric court XXXX XXXX XXXXRecording right to collect is mandated by Federal as Well as State Law Under XXXX XXXX LawwLittion Loan Servicng had 90 days to do this XX/XX/XXXX and failed to do so.. Under these Laws Litton Loan Servicing lost the right to collect. also Littiin Loan servicing has commited multiple. fradulent avts with this loan as documented by me with over a XXXX documents. How can Littin Lian servicing transfer anything after commiting fraud and not registering.plus Argent was not aloud to transfer this morgage under XXXX county court XXXX.
Product: Credit reporting or other personal consumer reports

An agent I was speaking with XX/XX/year> between XXXX with XXXX XXXX XXXX  XXXX XXXX XXXX I contact to get details as to why the money I suggested to be withdrawn from my bank account had not been withdrawn and added to the XXXX new accounts I set up online and to have XXXX of the accounts which is a XXXX account deleted due to creating error. The agent gave me details as to why and the next steps I needed to take for the funds to transfer, I asked about the debit card how will I receive it she gave some details then stated they have a XXXX XXXX with no annual fee etc. I was like nice okay. She then asked Me questions and got to a point stating with my consumer report she will have to verify who I Am. I said okay thats fine you can verify Me. So she started asking more questions and I answered then I let her know You can verify Me just dont run my credit I dont want any hard pulls dont want my credit ran. While on the phone with agent I received an alert from Equifax when I opened message it says Someone had checked my credit and did a HARD pull. I asked the agent XXXX did you just pull my credit I told you I didnt want my credit ran I did not authorize you to do a hard pull on my credit. She starts saying oh this was for a credit card etc. Not XXXX time before running my credit when she said they had a XXXX XXXX did she say it was a Credit card she was saying it as if it was a debit card. I immediately was like XXXX I told you no hard pulls on my credit and you never said anything about a credit card I did not have any inquiries on my report before she did that she was misleading did not give correct details I informed her why would I apply for a credit card over the phone when I can do a pre approval online for a soft pull I know that so why did she do that. I asked to speak with a supervisor to escalate the call. She says she couldnt get a sup they would have to call Me back within XXXX. Nooo XXXX  I need to speak with escalation now because I did not authorize you to run my credit especially said No hard pulls verifying who I Am and running my credit is not the same the agent used jargon and was misleading. I spoke with sup she advised they would dispute I asked her to pull the call and she will hear I clearly stated do not run my credit I dont want any hard pulls. Spoke with Equifax they gave Me the details to contact FCT to report this as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

tI have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please remove this account : XXXX XXXX, XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}
Product: Mortgage

Well Fargo overcharged us with extra fees on both our mortgage and home equity account. Ive been encouraged to reach out to submit for reimbursement per the decision against them.
Product: Debt collection

On XX/XX/year>, I reviewed my XXXX credit report and noticed that Portfolio Recovery Associates is reporting an account that I do not recognize or owe ( Account # XXXX ). ** On XX/XX/year>, disputed this account directly with XXXX, requesting verification of its accuracy. XXXX responded by stating the account was " verified '' but did not provide any actual proof of the debt 's validity. 

Following this, on XX/XX/year>, I submitted a debt validation request directly to Portfolio Recovery Associates, requesting : A signed contract or agreement proving I authorized this debt. 
A full payment history from the original creditor. 
Proof of ownership or assignment of the debt. 
Verification of the balance owed and breakdown of fees/interest. 
To date, Portfolio Recovery Associates has failed to provide any of the required documentation to validate this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they are required to provide validation upon request before continuing to report or collect on a disputed debt. Their failure to validate means they should cease reporting this account to credit bureaus under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ). 

Despite their lack of verification, XXXX continues to report this account, harming my credit. Since Portfolio Recovery Associates has not met their legal burden of proof, I am requesting that XXXX remove this account from my credit report immediately. 

Requested Resolution : Remove Portfolio Recovery Associates ( Account # XXXX ) from my credit report. ** Ensure Portfolio Recovery Associates ceases further collection activity. 
Provide written confirmation of these corrections. 
If this issue is not resolved, I will escalate further with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and explore potential legal action for violations of the FDCPA and FCRA.
Product: Vehicle loan or lease

I bought the car in XX/XX/2022. I started making payments but a payment supposedly was rejected by my bank. I talked to the bank and the payment never appeared on my account. I talked to loan servicer. The payment went through. I processed another payment and another payment but the third payment didnt go through again. I talked to my bank. The payment never arrived. The loan servicer called and called right back. I was told I called after hours. I was told to call during business hours. The loan servicer already added a late fee. The loan servicer is Mechanics Bank. This seems to be a pattern. My current interest rate is 8.25 % for 75 months.
Product: Credit card

The Macy 's credit card charges a minimum {$2.00} fee that I was n't aware of. 

Between XXXX XXXX and XXXX XXXX, I had a balance on the Macy 's store card of {$120.00}. I paid that balance off on XXXX XXXX. Because I had a balance between XXXX XXXX and XXXX XXXX, I was charged a " MINIMUM INTEREST CHARGE '' of {$2.00}. 

I called Macy 's to inquire about this {$2.00} charge since I have never seen it before and certainly not what I signed up for. To my surprise, their automated phone system gave me the option of removing that {$2.00} interest charge as a " courtesy ''. 

I believe this this practice to be illegal since the interest on a {$120.00} for 4 days that the balance carried over with my current APR of 24.75 % is no where close to {$2.00}. 

I would like Macy 's to be investigated for this practice.
Product: Credit reporting or other personal consumer reports

I am reaching out urgently address a critical issue involving incorrect personal information linked to my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX XXXX  now, have been trying to get annual credit report from Experian. Error message says : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX  Request form .... '' There is no further information. What's going on?
Product: Credit card

Note : Bank of America Claim number : XXXX Hello, currently I am dealing with a fraud claim with Bank of America since XX/XX/year>. Thieves stole my credit card info ( not the physical card ) and charged over {$42000.00} in a jewelry store in California using their phone or digital wallet, As of today XX/XX/XXXX BoA has not refund me. 

Even worst the credit limit on that card is {$13000.00} but BoA allowed the thieves to charged over {$42000.00}. 
On XX/XX/year> I received a phone notification that a transaction of {$5.00} was made in a fast food restaurant in California, immediately I called Bank of America and I reported, they " cancelled '' the card and mailed a new one. 

Then in XX/XX/year> while checking my balance I noticed two transactions for over {$42000.00} were posted in the account even though the card limit is {$13000.00}. Bank of America claimed the charges were made with a digital wallet, not physical card and allowed these charges to go through even after I reported the fraudulent charge 2 days prior. 

Also, Ive been a customer of BoA for 29 years. 

As mentioned above these charges are still in my balance affecting my credit score. 

Bank of America failed to protect me and have not refund these charges that were made by thieves. 

I can provide all the required documentation. 


XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

Information reporting to Equifax is reporting as 30days late, but it is listed a current on XXXX and XXXX. In accordance with 15USC1681e ( B ) and 15USC1666B ( A ) this information should be removed and or corrected on my Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continuously periodically keeps running my credit as if I'm applying for a auto loan with them. This has been going on since XX/XX/2017! I have not given them permission to do so. When contacted I got no answer, company denied.
Product: Debt collection

I told them I didnt sign up to pay for XXXX I was told it was free and it said it online and it credit it me and now made my bank in the negative and I am not paying something I didnt sign up for. If someone could please fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a certified letter to have this hard inquiry investigated and removed from.my credit reports. This hard inquiry from XXXX XXXX XX/XX/18 has contributed to my hardship, stress as well as I've been denied credit and home loans because my credit score has dropped drastically due to this hard inquiry being on my reports. The three credit bureaus have violated the FCRA laws that protect consumers. They are suppose to report only accurate information and respond to dispute from consumers in a timely manner. They never responded to my requests. And it has been well over 90 days.
Product: Credit reporting or other personal consumer reports

re : XXXXSOUTHSTATE BANK late payment XX/XX/year> Account number XXXX I have sent XXXX previous letters to you, certified mail asking you to remove inaccurate information from my file. Because of my request, you all have failed to provide me a copy of any ORIGINAL documentation ( a consumer contract with MY signature ON THE CONTRACT ) which is REQUIRED under Section 609 ( a ) ( 1 ) ( A ). 


According to the FCRA, your failure to reinvestigate is an intentional and negligent FCRA violation. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate this account, Not only that, but you have also failed to provide, per my request, the method of verification as required under Section 611 ( a ) ( 7 ) and under 15usc1666 ( a ) proof I received each periodic statement required by section 1637 ( b ) of this title was mailed or delivered to me no later than 21 days before the payment due date. I am due {$1000.00} per violation : 15 U.S. Code 1666 ( a ) Time to make payments Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681b Permissible purpose of consumer reports IN GENERAL-Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Product: Mortgage

Thru the purchasing of a new condominium thru auction I was required to pay to Escrow of the West my first and second half property taxes for 2014. The second half taxes went unpaid due to Escrow of the West refunding another homeowner my tax money into this homeowners impound account. Escrow of the West instead of making another payment for second half taxes is relying on this homeowner to make my payment. It is very unethical since I have no relation to this homeowner and they do not represent Escrow of the West. I gave Escrow of the Weat the money to pay the taxes and they have not followed thru. The taxes are delinquent and I need this resolved asap.
Product: Mortgage

XX/XX/2014 I was approved for a FHA XXXX modification and a KEEP YOUR HOME CALIFORNIA REISTATEMENT GRANT. I was sent a copy of the approval, monthly payments that I would be making, interest of 43/4 and was waiting to receive the loan docs. On XX/XX/2014 I had already made two trial payments and was informed by the loan servicer that my loan docs were sent to me by mail, I also received a phone message that my KYHC file was being closed because my loan servicer had opted out of giving me a loan modification because I had not provided them a document that had been requested and I no longer had a loan modification. I contacted my loan servicer and was assured that I no document was missing and my loan modification was secure and that KYHC had opted out and would not be offering any financial assistance to reinstate my loan. I tried to explain to KYHC that I did have a loan modification but KYHC refused to contact my loan servicer and sent me an email that when I start making more money I could reapply for assistance. This information was false, once my loan modification docs are signed KYHC will not offer a home owner assistance. I recently filed a complaint against KEEP YOUR HOME CALIFORNIA with the California XXXX and again I questioned my loan servicer who still maintains that they did not opt out of accepting financial assistance.. KEEP YOUR HOME CALIFORNIA addressed my claim but the story has changed slightly. They maintain that an opt-out document was received from my sevicer and that an opt out can be decided for no reason or any reason. I want to also state in my claim that my loan servicer treated me just as bad. A {$35000.00} balloon payment was never stated or was addressed when I received the preliminary approval for the FHA HAMP loan .I wanted the fees explained and asked why this was never mentioned. My loan servicer refuse to discuss the balloon payment or itemize the amount I was being charged. A debt counsler that I had been assigned to called my loan servicer and a three way conversation was held. The request again was made to itemize the {$35000.00} and the servicer agreed. I was then told that the late payments added up to {$22000.00} which I already knew and that the rest were fees. I got nothing. I than received a letter from my loan servicer that due to my inquiry an adjusted fee was discovered and now my balloon would be {$37000.00}. New loan docs were mailed to be signed and notarized again. Also, soon after my first mortgage payment I was informed that my new payment would now be {$79.00} more due to a rise in taxes. My loan servicer decided the value of my home would jump from {$140000.00} to {$190000.00} and was well aware that my taxes had been hiked. So you see I have been treated very bad and both of these agency are pointing the finger at each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 






The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX 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 XXXXXXXX XXXX XXXXXXXX and the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I am also showing an incorrect XXXX of XXXX XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.