23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a phony balance in the debt collection agency Aldous and Associates PLLC. I took up the phony amount in small claims court in XXXX and the magistrate dismissed the case. I spoke to an attorney after about appealing the decision but they let me know it wouldn't be a good idea. The attorney agreed that I was done wrong and that I had a case but it would be difficult to win. The first time this company contacted me was XXXX of 2021. At this time I told them I had an attorney involved in which they got the information for my attorney but never contacted them. Prior to the court date I requested in writing the amount that is in collections and it came after the court date happened. Since XX/XX/XXXX I have received 8 phone calls from them and they left voicemails 7 times. After the 8th call I decided to block the number from calling me. The last call before I blocked them was yesterday XX/XX/XXXX. The amount in collections is {$900.00}.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Account : XX/XX/year>
Product: Mortgage

I have requested confirmation information from the servicer twice by calling and twice by emailing. Email takes over a week to respond, and I have not received answers from the customer service representatives over the phone. 

My questions are simple regarding what is required of me to ensure my PMI is removed from my mortgage payment. I have a 30 year FHA loan that closed XX/XX/XXXX as a refinance from an original FHA loan that closed in XX/XX/XXXX. My original purchase was a short sale with an appraised value sale price of {$260000.00}. 

I have asked the lender to confirm that {$200000.00} would be considered 78 % of my original LTV and thus my mortgage insurance will be removed if my loan balance is below that amount after 5 years has passed since my refinance. I also asked them to confirm what would be the first eligible payment date where my mortgage insurance could be removed. 

I have received incorrect information that my PMI can not be removed until XX/XX/XXXX. I have received canned responses regarding the automatic removal of PMI once the loan has reached 78 % LTV and five years of PMI payment. I simply can not get them to answer what dollar amount they show would be considered 78 % LTV and what date they would consider five years of PMI payments.

I'm simply trying to confirm they have the correct information to assure my PMI may be removed as soon as possible when I'm eligible. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid a debt to XXXX XXXX for XXXX for hospital bill from XXXX XXXX and the debt has yet to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were sent to a collection agency, I got into a repayment plan 4 months ago. I have been paying them on time and every month. They said that after the 3rd payment they will report it to credit bureau as paying and take it out of collections. This has been moving my score up and down. They told me to consolidate the loan which i did, it is showing up repeated times which are errors. I am tired of calling them and they give me the run around. I have been patient with them, but my patience are running out. I am trying to obtain a car and these late remarks and acct discrepancies are making it difficult to obtain any sort of acct. 
I contacted the XXXX XXXX XXXX XX/XX/XXXX to start the payment plan we are on XX/XX/XXXX and yet still haven't reported my credit file as paying or updated any status on it becoming positive.
Product: Credit reporting or other personal consumer reports

The negative rating on my account is a source of great XXXX  for me, particularly due to its potential effect on my credit standing. This unfavorable mark has already led to the rejection of a recent loan application and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this negative rating has inflicted and will continue to cause until it's addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are reporting old information in which according to FCRA are old account and they can be update from my credit file. I requested via fax again for the updating of the old creditor and the old account haven't been update. This is the account in which I am asking to be update from my credit file. XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : $ XXXX. I am no longer liable for this account.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX IS IN FINAL STAGES OF CLOSING FOR SALE I AM THE SELLER Mortgage Servicer is PREVENTING closure of transaction for Seller ( ME ) by REFUSING to provide PAYOFF to title company. Title has requested twice, I have requested twice. Told a 5-7 days - which is RIDICULOUS in our modern online era - today is day NINE and XXXX PAYOFF. 

BUYER CASH FUNDS ON HAND WITH TITLE. ALL DISCLOSURES DONE. LITERALLY THE ONLY HICCUP TO SETTLE IS MY PAYOFF SORRY THIS IS ABSOLUTE XXXX Fay Servicing has done ANYTHING AND EVERYTHING to prevent this sale, because they will no longer make interest from me. THIS IS DETRIMENTAL TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports and saw that Specialized Loan Servicing is reporting inaccurate information. My credit profile is showing 180 delinquent with all of the three credit Bureaus. I am disputing the delinquency due to the notification that I received on XX/XX/2018 from my bank. I sent my monthly payment, and ( SLS ) refused to accept it. I called ( SLS ) with a counselor from XXXX XXXX, and a customer representative said that they would not accept any more of my payments. That led me to do a complaint with ( CFPB ). I then filed for a modification in fear that I would lose my home. It took some months before they started accepting my payments. 
** I have attached the letter from XXXX, but this payment was not the only one that was not accepted. **
Product: Credit card

Paid annual fee of {$75.00} at US Bank XXXX XXXX credit card sign up for the promised and published benefit " Bonus Award Night - Redeem Gold Points for two or more consecutive Award Nights and the last night is free. Exclusively for cardmembers ''. However, the benefit was terminated from at XXXX XXXX, 2015.
Product: Money transfer, virtual currency, or money service

I am reaching out to formally express my concerns regarding zelles way of handling disputes particularly in regard to the recent lawsuit bringing up issues with the platform. Dispute using Zelle quite frequently and reporting all my discrepancies, my financial institution and zelle have failed to investigate my claims. I was told that recovering lost funds is impossible and tracking my transactions was not feasible. The cfpc has posted recent findings that not zelle has not only not protected consumers such as myself but they have also allowed repeat offenders to exploit the system, leaving us users vulnerable to scams. I personally feel the lack of accountability and transparency is very unacceptable and raises serious concern about customer safety.
Product: Debt collection

On XX/XX/2019 I received a call from my mother XXXX XXXX that a debt collection agency called her about some debt that she had but that I own on a debt collection thats showing under her. She asked what is it for XXXX XXXX  she said she has auto pay on it. They asked if she recognizes the address XXXX XXXX XXXX XXXX she at first said not then they ask its under XXXX XXXX XXXX she said that it was her son then they told her the amount of it. She send me the phone number the XXXX XXXX. I called and she stated first that she spoke to my dad and that my dad confirmed it was him then said that it wasnt it was hes son. Then I asked why did this come under my moms information she said thats how it was send. So I told her we have different names different birthdays. She answered by it was no energys fault so i let her know I will call XXXX. I called XXXX  they confirm the Ssi number attached to the acct and its mine and the phone numbers on there which are my phone number and wife and the name on the acct which is only mine as well they dont know how they would get confused. I called my parent to ask my dad why did he say it was him then say no they said that my dad never talked to them. So I called back XXXX to get information of the collection agency and her information cause this information should have need been released to my family members and to make sure that these conversations where on a recorded line.
Product: Checking or savings account

On XX/XX/XXXX, I was assessed an overdraft fee after transferring from one account to the other, to avoid the fee. After completing the transfer in line with the banks funds availability policy they have continued to assess a fee, even though the negative balance was below the threshold described within their policies. I tried talking to both the assistant branch manager at the XXXX XXXX branch in XXXX, who assured me that he would email me, yet I have heard no response. When reaching out to another branch, the manager simply stated he would look into it. After that I proceeded to call into the customer service line, I proceeded to get hung up on four times. After finally getting through I got an incredibly dismissive tier two rep who proceeded to incorrectly stated that another fee was due to merchant error when it was in fact an error with their transaction processing system.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX out my car. My car was broken into XXXX in XXXX North Carolina XXXX I have sent a copy of my police report to Trans union, XXXX and XXXX with a copy of my licenses and proof of address. I was recently checking my credit report since I just recently got back from XXXX I am XXXX XXXX military soon to be a veteran. I have noticed opened accounts that are fraudulent because I didn't open them that are on my credit report.. Also there are fraudulent addresses ( XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX being reported and incorrect names that I do not recognize and believe to be fraudulent. This is a list of the accounts that were opened fraudulently in my name 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.. Please delete all Fraudulent information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

i have seen a fraudulent activity on my paypal account the name of the fraudulent is XXXX XXXX for an amount of {$390.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing the items I am disputing.
Product: Mortgage

Shellpoint must correct the MORTGAGE STATEMENT! This is a continuing issue from Complaint number ending in XXXX. ESCROW balance Shellpoint wanted from me was paid in full @ {$220.00} due to an Insurance error - Shellpoint was to reestablish my mortgage to the sustainable payment agreed upon during a Federal loan modification of {$480.00}. The supervisor agreed and changed my XXXX payment to {$480.00} with a promise that XXXX payment will reflect the same payment of {$480.00} and future payments will be the same. 

As of XX/XX/XXXX the payment is {$510.00} - No errors corrected -- I pay Insurance/escrow and Taxes within my MORTGAGE PAYMENT. Shellpoint alleges the Mortgage statement can not be corrected WHY NOT? Upper Management Promises to do so since XX/XX/2024 NOT REALIZED!
Product: Checking or savings account

On XX/XX/2024, I asked Chase Bank for a coupon code to open a checking and savings account for a {$900.00} bonus. They sent it to me via email, and I applied to open the accounts through the link in their email on the same day. 

I read the terms and conditions and followed them scrupulously : I opened both accounts at the same time, from the link in their email which they said would attach the coupon code ; on XX/XX/XXXX, I direct-deposited my paycheck from work into my checking account ; I deposited {$15000.00} into the savings account ; I kept the money there and deposited more than was required. 

The first part of the {$900.00} bonus was supposed to be received within 15 days of the direct deposit to checking, which would have been due to me on XX/XX/XXXX. On XX/XX/XXXX, I direct messaged their help center saying the bonus was missing. 

They claimed the coupon had not been attached to my account, and it had to occur within 21 days of account opening, and they could not help me. 

I have no control over or visibility to what happens on the back end of their account, and can not be held responsible for their failure to attach the coupon. 

In addition, nowhere in the terms and conditions does it say the coupon is required. Despite this, I went above and beyond in confirming I was applying through the correct portal to attach the coupon, proactively asking them to send it to me, and then using their portal. 

Here is the entirety of their terms for the bonus ; nowhere does it require the coupon ( which I used anyway ). 

To receive the checking bonus : 1 ) Open a new Chase Total Checking account, which is subject to approval ; AND 2 ) Have your direct deposit made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits ( such as Social Security ) from your employer or the government. Person to Person payments ( such as XXXX ) are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than {$1.00}, that are sent to your account to verify it is the correct account. After you have completed all the above checking requirements, we'll deposit the bonus in your new account within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX, submitting this complaint against Transunion, LLC and there is no third party involved. As of Today, XX/XX/XXXX at XXXX XXXX  XXXX your company is entering a binding contract ( Attached below ). Also, your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXX ( CLOSED ) XXXX ( CLOSED ) XXXX XXXX  ( CLOSED ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( CLOSED ) Delete & Purge all Late payments for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete and purge all Hard inquiries , & all Late payments. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees state in binding contract & above.
Product: Credit reporting or other personal consumer reports

15 U.S Code 1666b ( a ) They can not report a late payment as late without first sending me all information required under this law in a statement at least 21 days before the due date. 

I asked them twice to verify that they sent this information to me which they have yet to verify.
Product: Debt collection

I got a credit report notification notifying me about a debt collection from XXXX XXXX XXXX, which Ive never opened an account with. They are charging me and are effecting my credit that is not even mine in the first place. I had no card sent or anything like that, it just showed up on my collections when I logged into my credit wise.
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 XXXXXXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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

What in the world is happening here that my concern was not attended by Experian!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX , XXXX XXXX XXXX XXXX
Product: Credit card

On or about XX/XX/2023, TD Bank reported to credit bureaus a payment on my Target Red Card was over 30-days past due. It was 31 days past due. The payment amount was {$160.00} and I paid that amount on XX/XX/2023. The late payment report caused my credit score to go down over 50 points three credit bureaus : XXXX, XXXX, and XXXX. 

The same day, I contacted Target Card and explained I had not gotten a statement of my account or any notice that payment was late. I actually had not received an account statement from TD Bank/Target in several months at that point. I did not receive a notice that payment was late until after Target made the negative late pay report to credit agencies and after I contacted them. The letter was dated before XX/XX/, date of late pay report to credit bureaus, but not mailed until after that date. By then, my credit had already been damaged. 

When I spoke with Target customer service, they said I could request a review in writing, which I did. I found the law that says they are not supposed to make late payment reports until after they have sent the consumer an account statement. Target said they had reviewed the matter and determined the late pay report was correct. 

I forgot to make the payment because I didnt receive a statement or late payment notice. I would like Target to remove the late payment report they made to the credit bureaus. The dip in my credit score causes irreparable harm each day. It is the only late payment I have had on my credit report in many years.
Product: Credit reporting

XXXX, XXXX are the same account and they are reflecting XXXX separate accounts which are driving my credit score down.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX OF 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX is reporting on my credit that I owe them {$170.00} and I have called and emailed them numerous times to take care of this balance but they wont allow me to pay it and they are reporting this on my credit. Addittionally they are reporting this and it is not allowing me to buy a house.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, OH, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX