23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

NOTICE TO RECORD MORTGAGE SATISFACTION PIECE TO AVOID PENALTY Date of notice : XX/XX/XXXX To the mortgagee named below : The party issuing this notice believes that the mortgagee of the mortgage described below has received full satisfaction and payment of all amounts secured by the mortgage, including any applicable satisfaction fee ( XXXX**the party is able to record the satisfaction in their locality and is therefore requesting that the satisfaction be sent to them ), and that, where applicable, the mortgagee has been instructed in writing, effective as of the date and time of receipt of the mortgage payoff figure, to close and decline any further advances on any open line of credit which was secured by the affected mortgage. The party issuing this notice hereby requests that the mortgagee issue and present for recording a satisfaction piece concerning the mortgage or provide a satisfactory reason why the mortgage should not be satisfied to the party issuing this notice. If you do not comply with this notice, you may be liable for penalties and costs in accordance with the Florida Statute 701.04 ( 2 ) known as the Mortgage Satisfaction Act, or the party issuing this notice may be able to satisfy the mortgage without your consent. 
Name of mortgagor : XXXX XXXX, XXXX XXXX Name of mortgagee : SunTrust Mortgage , Inc . 
Name of Servicer : SunTrust Mortgage , Inc . 
Name of ( original ) mortgagee : SunTrust Mortgage , Inc . 
Name of last assignee of record : SunTrust Mortgage , Inc . 
Date of mortgage : XX/XX/XXXX Amount of mortgage : {$530000.00} Recorded in XXXX XXXX, Florida, Instrument # XXXX, Book XXXX, Page XXXX recorded XX/XX/XXXX Brief description of premises covered by mortgage : Property known as XXXX XXXX XXXX, XXXX, Florida XXXX Mortgagee loan number ( if known ) : XXXX Name of party presenting this notice : XXXX XXXX, XXXX XXXX XXXX Address of party presenting this notice : XXXX XXXX XXXX XXXX, NJ XXXX Telephone number of party presenting this notice : XXXX Additional Information : See attached XX/XX/XXXX screen shot from SunTrust Mortgage , Inc. showing zero balance
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX, SD XXXX XX/XX/year> Subject : Request for Documentation and Compliance with the Fair Credit Reporting Act Dear XXXX XXXX XXXX, I am writing to express my concern over the continued reporting of a charge-off account on my credit report, which I believe to be inaccurately reported. In light of this, I am formally requesting documentation to verify the accuracy of this reporting, as is my right under the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX XXXX Account Number : XXXX Reason : Please Explain your method of validation on how you're reporting this account with a balance and a charge-off when this account was bought by a 3rd party debt buyer. 
Instruction : This is a violation of my consumer rights, please delete immediately It is imperative that I receive concrete evidence showing that your reporting of this charge-off is entirely accurate. My objective is to ensure that my rights under the FCRA are not being infringed upon, especially regarding accurate and fair credit reporting practices. 

Given the serious implications of inaccurately reported credit information on my financial health, I urge your company to review this matter promptly. If the reporting of this account can not be verified as accurate, I request its immediate deletion from my credit report to comply with the FCRA 's requirements. 

I appreciate your immediate attention to this request and expect a timely response to this matter. Ensuring the accuracy of credit reporting is not only a legal obligation but a matter of financial integrity and consumer trust. 

Sincerely, XXXX XXXX
Product: Student loan

I have tried to reach out and I sit on hold for hours only to be disconnected or put on other holds. It makes it impossible to get anything done in a timely manner.
Product: Credit reporting or other personal consumer reports

The accounts below do not belong to me and I would like them removed. I filed a report with identitytheft.gov. 

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 XXXXXX/XX/XXXX
Product: Checking or savings account

Over a month ago, my debit card was expired and the Capital One Bank called in and helped me to order a new one, but that one never arrived. Because of the Covid-19, the mailing system was corrupted, that's why I didn't really pay attention to it. A month ago, I checked the Capital One Bank App on my phone, and told me now I owe {$8600.00}, and I used to have a XXXX  dollars in the account. I didn't know what to do, so I visited Capital One branches for help for two days, but no one was willing to help. I saw the bank transactions, the fraud deposited 2 checks, total of XXXX XXXX dollars, then he took it out, and got the check reversed, that's how I owe {$8600.00}. He got my " lost debit card '' and doing withdrawal from ATM. They are experts. They also access to my banking account to make it seems normal. However, on the days, I was working, my boss can provide the evidence and I haven't check on that account for months. The bank didn't even check on the cameras. I don't really know how they did their investigation. So I went to the police to report, but the police said the bank needs to provide fraud affidavit form, then they can start investigation. Then I started to call the bank, they said they would investigate, then they just leave it alone and closed the case. 
I I keep calling the bank about two weeks already. I asked to speak to the manager, and they won't transfer, and telling me the rules of their bank. I really don't know what to do now. Please help.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account XXXX to the breach that occurred in 2024. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX  XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Debt collection

I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX, Experian, and XXXX for inaccurately reporting information on my credit report, which has caused significant financial harm to me. 

Recently, I applied for a home loan, but my application was denied due to my credit score being lower than expected. Upon reviewing my credit report, I discovered several errors, including incorrect dates, amounts, addresses and phone numbers. I took it a step further and highlighted the mistakes for them but nothing.These errors have significantly impacted my credit score and cost me the opportunity to secure a home loan. 

I have made several attempts to dispute these inaccuracies with the credit reporting agencies, but to no avail. Despite providing evidence that these items were either paid off or never even occurred, the agencies have refused to correct their mistakes. 

As a responsible consumer, I have always made timely payments and maintained a good credit history. It is unacceptable that the carelessness of these credit reporting agencies has caused me undue financial hardship. 

Therefore, I am seeking your assistance in rectifying this situation. I request that XXXX, Experian, and XXXX thoroughly investigate and correct the inaccuracies on my credit report. Additionally, I urge the CFPB to hold these agencies accountable for their negligence and to take necessary measures to ensure that this does not happen to other consumers. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 the vehicle I had co signed to financed was involved in a car wreck. The person at fault had XXXX  XXXX  for insurance. I contacted them within days of the wreck. They deemed the car a total loss. XXXX XXXX  emailed that they would send me a check so that I could pay off the car to the lender ( XXXX XXXX ). Some weeks went by and when I contacted XXXX XXXX  they said that they paid XXXX to XXXX XXXX  in XX/XX/2020 instead of sending me the check. That left a {$400.00} balance to pay off the car. So in XX/XX/2020 I contacted Gap   ( XXXX XXXX ) to move forward with getting the rest of the car paid off. During this entire process I was contact with my lender XXXX XXXX. They confirmed that they had received the XXXX check in XX/XX/2020 and I let them know that XXXX said they would pay the remaining balance of the {$400.00}. It may have been a little more. However XXXX XXXX  put a charge off on my account at the end of XX/XX/2020. They were given XXXX in XXXX. When I spoke to a manager at XXXX finance in XXXX concerning the charge off they said I should of paid out of pocket. The check from the Insurance was mailed to them instead of me. I had no controller over that. I should have not gotten a charge off at the end of XXXX. I worked really hard to to stay in contact with XXXX  XXXX and XXXX  XXXX  to make sure that they received their money to get the car paid off. This charge off should be removed. I did not neglect to pay. Again {$8000.00} was paid in XX/XX/2020 and only a small amount was left to pay on my XXXX XXXX XXXX. Please remove this charge off. I did sent letters to the credit bereus but nothing was done
Product: Credit reporting, credit repair services, or other personal consumer reports

My old XXXX XXXX - XXXX XXXX XXXX account is misreporting a balance owed to Equifax when it was included in a bankruptcy that was filed years ago. This is inhibiting me from getting a loan and should be fixed ASAP.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX/DEPT of ED # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX in the amount of {$440.00} 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 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

I had credit cards with Capital One and XXXX XXXX back in XXXX  and I couldn't pay off the balance because of a job loss. The creditors had charged off on the balance owed, and they started to report the debt again every month to my credit bureau decreasing my FICO score and I couldn't get a car loan. Please see the attachments for reference. Thank you very much for your help.
Product: Debt collection

I received a collections letter from New Hampshire North East Credit Services , Inc XXXX XXXX NH for a {$20.00} bill for my daughter from XXXX XXXX of XXXX. I called XXXX and a woman answered the phone. I told her I had an account number and she asked me my name. I said the patient is XXXX XXXX, my daughter. She said what is your name and date of birth. I said I'm not giving you that as this has nothing to do with me I'm calling to pay you. She became irate and would not take my payment and hung up. 

On the collections letter it states " our client has instructed us to record this account on your personal credit file in accordance with state and federal laws. I then called her back and asked for a manager she told me she was the manager, again in a nasty tone. I called XXXX XXXXXXXX XXXX XXXXXXXX and they are using an outside billing company. I contacted the hospital directly where the service was held and spoke to a manager informing me they are having all types of billing complaints from XXXX XXXX XXXX XXXX and the manager, XXXX XXXX, took my name and number. A manager from the billing company called me and told me I could pay her. I asked her if the collections company North East Credit Services Inc is a credit reporting agency and she said NO. That being said, a collections letter can not threaten credit reporting if they aren't going to do it. I paid that young lady directly and was emailed a receipt for payment. 

I then called North East back and asked for XXXX XXXX. I was told she doesn't take calls. Then I asked for XXXX XXXX, the owner. Again, does not take calls. 

So for a {$20.00} bill I never knew I had they're going to threaten me with credit reporting, I call to pay, they won't take my payment unless I give them my name and date of birth. I'm fine giving them my name, but I have no idea who I'm talking to and the bill was not for me, it was my daughter. That means my dog could have called up and paid the bill. It doesn't matter where the payment comes from as long as it's paid.
Product: Credit card

I had a credit card with Capital one which is opened in XX/XX/XXXX and has no activities since XX/XX/XXXX. I believed that I have cancelled it and cut the card. Anyway I have n't received any credit card or statement until recently in which it is said that I owned a balance of {$120.00}. I immediately checked my credit report from XXXX and found that scheduled payment of {$23.00}, {$23.00}, {$35.00}, {$36.00}, {$1.00}, {$1.00}, {$1.00} since XXXX XXXX and I also found that the payment of {$5000.00} each month since XXXX XXXX to XXXX XXXX which I never paid. Actually I am out the country since XX/XX/XXXX. I believe that they did this purposely in order to make my account active and then charge me some annual fee and penalty after my ignorance of this charging.
Product: Credit reporting 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 XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries 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 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: Mortgage

My loan principal went from XXXX to XXXX because they never moved my deferred payments to the end of my loan. They want me to pay the original principal and added in the amounts of payment I missed again for payoff. Attorney general has contacted them and theyre Ill not give me a true payoff
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement. 

As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already been involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, StateAttorney Generals Office, XXXX XXXX XXXX andFederal Trade Commission ).
Product: Debt collection

I am writing to file a formal complaint regarding my enrollment at XXXX XXXX and XXXX XXXX from XX/XX/XXXX to XXXX. The XXXX, located in XXXX, Florida, has engaged in unfair practices in collaboration with Partner Financial Services Inc. which has resulted in a significant financial burden and violation of my consumer rights. 

Upon completion of the program, I was unexpectedly informed by the XXXX  staff that I owe the school a total of {$6100.00}, a sum that was previously undisclosed to me. Furthermore, I was pressured to sign a contract with Partner Financial Services, a requirement I did not agree to. The terms of the contract were unjustly stacked against low-income students, constituting a breach of trust and fairness. 

Despite my refusal to sign the contract due to its exploitative nature, the school threatened that my credentials would not be forwarded to the appropriate department for licensure as a XXXX  XXXX  or XXXX. This coercive tactic effectively forces students into signing under duress, a clear violation of consumer rights and ethical business practices. 

I have taken the necessary steps to inform the Department of Education and the Attorney General 's office about this matter, seeking intervention to rectify the situation and hold both the XXXX  and Partner Financial Services accountable for their actions. 

I urge for a thorough investigation into the conduct of XXXX XXXX  and XXXX XXXX and XXXX XXXX XXXX, and I request that appropriate measures be taken to address this issue and protect the rights of all students affected by these unfair practices. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of fairness and integrity in educational finance practices.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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, credit repair services, or other personal consumer reports

I am the victim of identity theft. I am writing to dispute a fraudulent [ charge/debit ] on my account I am a victim of identity theft, and I did not make this [ charge/debit ]. I am requesting that the [ charge be removed/the debit reinstated ], that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement.
Product: Debt collection

This business frequently calls around XXXX XXXX. I have explained to them I do not live in GA and I live in AZ. I have updated my address, I have a mail forward and I even made sure my address was correct on my credit report.
Product: Credit reporting or other personal consumer reports

MY ex XXXX XXXX has been holding my mail opening it and reading it. I finally placed a hold on my mail about a month ago He lives at XXXX XXXX XXXX XXXX XXXX NJ XXXX HE has been in my mail since XXXX. I have gotten another report from XXXX about my lease again They are going to repossse my car again This happened to me before because of him On my hold mail I get a letter from XXXX XXXX XXXX XXXX about being in arrears with my loan and Visa card I always had a good credit rating XXXX Now I get a letter from Discover that my credit rating is XXXX All this is because of him I complained to XXXX and they done nothing about him He pays people off to do his dirty work Legal Aid told me I cant do anything about him because he always uses third party He knew my XXXX XXXX XXXX had someone pulling it Then I learned he was sending all of my mail to his XXXX XXXX XXXX XXXX address He has ruined my credit rating And on my XXXX credit report last year he was still listed as my spouse I have been divorced from him since XXXX He does not work and lives off of me He has stolen my court documents my lawsuit and his sister XXXX XXXX XXXX changes things around on the computer for him He cant read or spell