23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

this is a formal complaint against Statebridge Company LLC- This Company was our mortgage Company from XXXX XXXX to XXXX XXXX. This Company has been negligent and irresponsible in paying our School Taxes for the entire Tax period from XX/XX/XXXX-XX/XX/XXXX and School Taxes for the second half of XX/XX/XXXX. They have also failed to pay the General Taxes for the second half of the year XX/XX/XXXX.This resulted in a lien against my property for {$14000.00}. The current Loan servicer ( XXXX XXXX XXXX ) which took over our mortgage in XXXX XXXX took our {$14000.00} from our escrow payed off the lien that this negligent company caused and then started out paying our taxes giving us a negative escrow from jump. A claim was filed with consumer finance against XXXX XXXX XXXX under ( COMPLAINT # XXXX ) - so this is a follow -up complaint to get the right party in the mix. We will be providing you with all the documents that was initiated from XXXX. This Statebridge Bank is despicable and have caused us great harm and XXXX. We would like to see Statebridge reimburse the amount of the lien so that we can move on with our lives. I am not about to lose my home because of the negligence of Statebridge Bank. Please cross-reference CFPB CASE # XXXX WHERE THERE IS A COMPLAINT AGAINST XXXX. Please note that this is all interrelated so please be mindful of that .I will be sending all correspondences to your office by mail shortly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXXXXXX SYXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I continued to run into delay and snare statics to remove inaccurate and false information on my credit report from the CRA and furnishers such as personal address despite provide prove 15 U.S. Code 1681s2 A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.
Product: Debt collection

A company claiming to be Resurgent Debt Collector has contacted me twice from the number XXXX claiming that I was subscribed to their phone text messages on XX/XX/2023 ( I never did ), and today ( XX/XX/2023 ) they contacted me again with the same number ( despite me blocking them on my XXXX ) and saying : Resurgent Debt Collector : Save {$7300.00} on account XXXX with 1 payment of {$5500.00} at XXXX Offers subject to change. Reply STOP to opt out. I have never owed any money that has gone into collections, and I double checked my credit report to make sure that there were not any account mishaps that could lead to this. I believe this company may be attempting to conduct a phishing scam, or that they are harassing me thinking that I am someone else. I do not want to reply and Unsubscribe in case that this is a phishing scam and they are looking for replies.
Product: Debt collection

UNITED COLLECTION BURE been attempting to collect a debt since it allegedly opened on XX/XX/year>. This Debt is the result of identity theft. I have asked this company to provide supporting documentation proving this account belonged to me, was opened by me, or that I gave them permission to contact me regarding a debt that has never belonged to them.
Product: Vehicle loan or lease

Navy Federal Credit Union raised my interest rate on my vehicle and changed the payment. The paperwork that I signed was for a totally different payment and interest rate.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report from Experian and noticed that there is a incomplete birthday presented in my personal information section of the report. it simply says 1970 this birthday information is vague and does not legally identify my birthday. this missing information affects my identity in this report and is in violation of the law and my rights under FCRA 623 ( a ) ( 1 ) and 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I submitted dispute letters to XXXX, XXXX, and Transunion notifying them of the accounts that did not belong to me on XXXX I have yet to receive a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and represents a very serious error in reporting.
Product: Credit card or prepaid card

I received an email stated that my credit card account was closed by the Citi Bank due to inactivity on XX/XX/XXXX. The last time I used my Citi credit card was in XXXX XXXX, CA, on XX/XX/XXXX, which is shorter than the 24 months time frame they defined as " inactivity ''. I then started to contacted Citi Bank on XXXX, one day between XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a total of 8 times, to request to reopen my account due to the incorrect accusation on inactivity and to place the dispute that Citi Bank did not report my credit history at all ( XXXX ) to the Credit Reporting Bureau ( XX/XX/XXXX ) , which was one of the reason that they declined my previous request to reopen my credit cad account as they stated that I had no enough credit history ( Of course, because Citi Bank did not automatically report any of my  credit card activities to the Bureau as they should have ) . All of these requests and interactions were documented on their internal portal as well. However, as of today, the manager at Citi Bank still told me that they can not reopen my credit card account because Citi Bank has made the decision not to do so. I was told that, despite the status of my credit card was not in inactivity as they originally stated, Citi Bank has the right to close my credit account but no valid reason was given to me to explain about this result. My closed credit card account will be shown on my credit report as a negative record for 10 years until XXXX and I lost the access to my Citi credit card. It harms my credit score and the eligibility of my chance to get approval for credit cards in the near future.
Product: Credit reporting or other personal consumer reports

XXXX was provided sufficient documentation to support blocking for accounts named XXXX XXXX XXXX. These are fraudulent accounts opened under my identity and needed to be removed immediately. FTC police reports and FBI INCIDENT REPORTS HAVE BEEN SUBMITTED WHAT ELSE DO THEY WANT.
Product: Checking or savings account

Citibank froze my checking account with no warning on XX/XX/XXXX. I have called them, provided trust documents, and met with the branch manager. I need the account to be unfrozen to pay bills and access cash.
Product: Debt collection

Thank you for the notification of the complaint filed by XXXX XXXX. CKS Financial appreciates the opportunity to respond to their concerns. Please note that upon notice of the compliant, a member of our Compliance team conducted an investigation into the allegations, including a review of all inbound and outbound telephone communications associated with the telephone number provided A summary of that investigation follows : We have conducted an investigation which included a review of the account data provided by the original creditor. The result of that investigation confirmed the name, address, and the amount owed is accurate, as listed on the account. The account has since been returned to the current creditor CKS XXXX XXXX XXXX. We suggest XXXX XXXX contact CKS XXXX XXXXXXXX, XXXX directly for any further concerns, including how it is being reporting to the credit bureaus. We invite XXXX XXXX to contact a member of our Compliance team if she has any questions. A member of our Compliance team is available Monday through Friday from XXXX XXXX XXXX Eastern Standard time and can be reached directly at XXXX or by emailing XXXX.
Product: Money transfer, virtual currency, or money service

I am an XXXX XXXX and my wife and I were involved in a financial scam in XXXX. The scam was XXXX XXXX. 
XXXX was shut down and receivers were assigned. 
I am not sure of the times and dates, but it took years to get an outcome and to start being reimbursed. Wells Fargo Bank cheques were sent to me in XXXX periodically over a 4-5 year period. Initially cheques could be cashed but over time Banks in XXXX stopped cashing foreign cheques, so we were not able to be repaid the full amount owed. There is still {$1900.00} owed. 
Some time passed and I thought I the only way to get the money would be to endorse the cheques to a good friend who lives in upstate New York so she can cash the cheques and pay me. I endorsed the cheques and posted them. My friend went to her bank, which was XXXX XXXX XXXX XXXX and they had no problem accepting the endorsed cheques and cashed them immediately, putting the money in my friend 's account. 
Within a day or so The XXXX XXXX XXXXXXXX was not paid by Wells Fargo Bank and the money was withdrawn from my friend 's account. The reason was, according to Wells Fargo I need to be in the branch to allow endorsement. 
This makes no sense, if I was in a branch, I could cash the cheques myself and I would not need to endorse it. The reason a bank cheque is endorsable allows it to be used as payment or to be cashed by the endorsee. 
In XXXX and many other countries, the endorsement of cheques is perfectly acceptable and obviously accepted by XXXX XXXX XXXXXXXX. I live in XXXX and do not travel to the XXXX. There is not a Wells Fargo Bank in XXXX. I have phoned Wells Fargo multiple times and they were not flexible at all and offered no solution. 
( Wells Fargo case number # XXXX. - around XX/XX/22. ) The account holder, which is the receiver is no longer contactable and do not reply to emails. I think there are hundreds of people in this same situation. Wells Fargo could be withholding a large amount of money from people who were scammed.
Product: Debt collection

I received XXXX XXXX from XXXX XXXX on XX/XX/XXXX. I attempted to pay the debt at my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and was told that the debt was not showing in their system. Once learning that the debt was turned over to a collection agency in XX/XX/XXXX I made the payment via my bank 's bill pay. I realized that the debt was reported on my credit report as delinquent. I contacted all parties involved and provided the payment transaction number to the medical facility on XX/XX/XXXX. The doctor 's office confirmed the payment.. the rep from the doctor 's office said she would inform the credit collection agency of the payment. I was informed that the doctor 's office would notify the credit collection company Carter and Young, and my credit report would be updated. I checked my credit report, and it was still reported as delinquent. I disputed the credit filing with the credit bureau, and the finding was that the account was past due as of XX/XX/XXXX. This has caused financial hardship to my insurance rates ; interest rates have increased, and my credit limits have been decreased by my creditors, resulting in a lower credit score. I have been denied credit. This has caused financial hardship to me. I am requesting compensation for the damages caused.
Product: Credit reporting or other personal consumer reports

This information is under my name and is causing me harm. I need it removed from my history. 


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

Hard inquires from INQUIRIES FROM - XXXX XXXX XXXX XXXX XXXX XXXX via XXXX, XXXX XXXX XXXX XXXX via XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX that are on my credit file that I did not authorize. I have filed an Identity Theft Report.
Product: Student loan

Hello, I tried submitting a complaint earlier, I need to break it down into smaller complaints This complaint will deal with Account Control Technology Inc while my wages were being garnished by XXXX on the behalf of Federal Student Loans ACT sent me a letter demanding I pay this bill. I am that person i live at that address. I have never meet the person legally responsible for that bill. 

The person they wanted to contact was XXXX that is not me.
Product: Debt collection

I understand I am having financial difficulties and have communicated with mobil loans, now 4 days in a row telling them I will send in a payment soon. Each time I contact them letting them know when I will make a payment, they call immediately after acting like its the first time they are contacting me. I just got a job and they call my phone up to 10 times per day.I spoke with them today at XXXX  and they called again at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I mailed out the letter to Equifax to dispute the chapter XXXX bankruptcy off my credit report that was put on in correctly. I wrote a letter to the XXXX XXXX Bankruptcy court XXXX XXXX of Texas asking how the court provides information to 3rd part agencies regarding credit reports. They sent a letter back stating they do not send any information regarding my bankruptcy. I also have placed a XXXX XXXX freeze on my credit file I received an email on XX/XX/2019 that it would take place in 3 days. I also received a letter stating that the freeze was on my file. I will include all these letter in this as well. I have mailed all this to Equifax and to XXXX. 
Equifax came back that they have verified with a third party reporting agency XXXX XXXX that the Bankruptcy was correct. There is no way they could have done that when there is a freeze on my account. Also XXXX has come back that the bankruptcy is a true account. I have include the letters that have sent back to me as well. I have done this same process with XXXX  and they have deleted it from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Mine must be an unusual complaint of clerical human error, yet evidently, I need your assistance and authority to command a solution. 
I habitually check XXXX XXXX 's XXXX score when paying my bill on their mobile app. In XXXX, I saw a XXXX XXXXXXXX  drop in score. The issue was an inexplicable change in " Reported Credit History '' - from 17 years in XXXX, to the XXXX report, stating a mere 3 year history. ( screenshots attached ) XXXX states the info came from XXXX XXXX, but my credit report from XXXX shows my XXXX XXXX  account was opened in XXXX. ( Screenshot attached ). XXXX was made aware in XXXX & in XXXX, during many calls. On XX/XX/XXXX, XXXX XXXX ( supervisor ) was still awaiting word from superiors. 
To check, I recently signed in to the XXXX app, which also showed a shortened credit history, even though the credit report XXXX mailed to me also showed the XXXX acct. opened in XXXX. XXXX gave an Escalation # XXXX on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX reflect credit score calculated @ XXXX. My XXXX XXXX & their XXXX app, both reflecting a 22 yr history, show a score of XXXX Excellent. Quite a discrepancy! 
Neither XXXX, XXXX, or XXXX claims responsibility, nor the ability to correct their records on this odd occurrence. 
I have attached photographic screenshot evidence to prove my standing in these unresolved formal disputes. 
... 
I cant help but suppose the actions of XXXX or other reporting agencies may use this ruse to promote their marketing attempt to push their ( paid ) subscriptions to their " Credit Boost '' programs. 
Meanwhile, time is of the essence, as I need to arrange financing for the Reverse Mortgage of my XXXX  father. 
Also, I recently applied for Chase Bank 's XXXX XXXX XXXX, and was approved at an a very high interest rate. Chase reportedly use XXXX for credit checks. 
Resolution : I plea to have the accurate Length of Credit History corrected on my file @ XXXX XXXX ( et al. ), XXXX XXXX, My XXXX, Chase XXXX XXXX XXXX Rewards Card, and especially the XXXX XXXX, including their mobile app.
Product: Debt collection

in accordance with the Fair Credit Reporting act XXXX Account # 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: Mortgage

My mortgage company raised my balance by XXXX XXXX dollars a month and provided no time for us to come up with the new payment or no documentation that they where raising our mortgage. They provided me with no supervisor when I asked to speak to one. They provided me with no documents of where all this money is going that I am paying extra for. We dont need to pay PMI or taxes and they refuse to negotiate with us to get rid of these practices. We had a mortgage since 2006 and never had as told our escrow was low by XXXX XXXX dollars. Its ridiculous to do to a consumer without any notice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report in XX/XX/2024 and noticed my account was not reported accurately. There are numerous discrepancies reported in the account. There is also a late payment in the account that was, in fact, paid on time. After two letters were sent ( in XX/XX/2024 and XX/XX/2024 ) the information remains incorrect in my reports.

The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my most recent report to this complaint. I am now requesting that you investigate and provide verifiable proof, with records, showing that I had late payments. 

Please note that if this information can not be verified, I demand this payments be updated to " Paid On Time '' immediately. 

Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

reported identity theft to all 3 credit companies, information is not valid, reported unauthorized use of PIIl, companies have not replied. disputed with credit compaines and gotten no reply, recent victim of identity theft/ATO.
Product: Credit reporting or other personal consumer reports

I have been involved in Several Data Breaches XXXX  XXXX, Equifax and several other and have found a lot of inaccurate information far as old addresses and reporting on all XXXX credit bureaus. Please investigate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Several letters have been sent to all 3 credit Buearus in reference to these accounts listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. All XXXX of these accounts are inaccurately reporting on my credit report. From mix matching account numbers, invalid account numbers, last reported and last activity dates are wrong. I have been sending letters since XXXX of 2022 in reference to verifying these accounts and correcting the eras. Per the FCRA, IF THE ACCOUNTS CANT BE VERIFIED THEY MUST BE REMOVED FROM THE CREDIT REPORT. Reference 15 U.S.C code 1681e- Compliance procedures : ( b ) Accuracy of report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) account reported as delinquent should be reported as Paid-in-full or closed. A Deed in lieu of foreclosure was returned to them XX/XX/XXXX to satisfy debt on a timeshare purchase. Although they have the property back, they continue to invoice monthly and report a delinquency to your bureau. 
It is my understanding that the Deed in lieu of foreclosure returned the property to them and paid the debt. This is what they asked me to do in XXXX when they sent me the paperwork to be signed. Yet, this is reported monthly to Experian as a delinquent account. I filed a ( 2 ) complaints and asked Experian to investigate this. My credit file with Experian still contains this negative information as of XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX XXXX marketing material on a flyer received in the mail for the " XXXX XXXX American Express XXXX XXXX ''. 

On the left side of the flyer is says 6x Bonus points at US SuperMarkets, US Gas Stations and US Restaurants. However the number 2 is an asterisk, noting that more information can be found in section 2 on the back.

Most people would not read this section and might just move forward with applying or discarding the promotional flyer.

I read section 2. With in its text it says " You also will NOT get additional points for purchases at nightclubs, convenience stores, grocery stores, or supermarkets. '' Above that however it states you will receive extra points for a total of 6 at Restaurants, Supermarkets and US Gas Stations. So in essence it cancels each other out and the advertising and rules on the back are un clear, creating the opportunity for points to be awarded and or not awarded based on the suppliers discretion and not the basic understanding as permitted on the front of the flyer. It also uniquely disqualifies superstores and warehouse clubs.