23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX My loan was sold to LoanCare Mortgage as it has been sold multiple times since I purchased the property in XX/XX/XXXX with 20 % down under a conventional loan. The property was purchased for {$200000.00} and now has a balance of {$120000.00} with Loan Care. I have not had PMI since the property value is {$340000.00} and the loan to value is under percentage of 20 %. Loancare immediately started to charge and has continually charged me a Private Mortgage Insurance even though I have written 4 letters and 4 phone calls advising them to refund and stop charging Private Loan Mortgage. In XXXX I created a message within the portal to advise them to stop the PMI and either credit my mortgage or refund me the difference. Today I received a letter from that inquiry stating that they will continue to charge private mortgage insurance because I did not make a request, I have missed a 30 day payment and a 60 day payment in the last 12 months. I have included my payment history on the property for the last 24 months with no missed payments and also included the last 6 years even though it was through other loan providers. The last 2 times I called loan care I was hung up on and transferred back into the auto que without notification. Loancare has consistently violated the Frank DDod act by illegally charging XXXX XXXX XXXX and making a false statement. Please investigate.
Product: Credit card

I had fraudulent activity on my Citi credit card that I disputed in XXXX. I was issued a credit and received confirmation all had been resolved. Then on XXXX XXXX, 2015 I received a letter saying the transaction had been reversed. I immediately called Citi and was told the office that handles disputes was closed and to call back the following day. I did as instructed and called back. The agents I spoke with said the wrong department had handled my dispute originally and that another disputed had been issued with their fraud department and for me to expect a refund in approximately 2 weeks. Well here it is 2 weeks later and still no refund. I called them yesterday and was told that I had 15 days to respond to their letter and since I had not responded the matter was closed and there was nothing I could do. I explaine that I most certainly did call as soon as I revived the letter and the agent at Citi said no I had not and nothing else could be done. She would not allow me to speak with a supervisor so I 'm left no other options at this point other than to seek your help to gain resolution on this matter. 

Thank you, XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent information that continues to appear on my credit report. Despite my previous dispute, the following accounts, which I did not open or authorize, remain on my report. I am requesting a thorough re-investigation of these accounts under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed a charge off from XXXX XXXX  that had been deleted from XXXX and XXXX because they realized that the information is inaccurate, but it is still reporting on Experian. I sent a notice to the creditor requesting for a 1099-C form but they failed to reply and I sent a follow up response as attached, and they failed to respond again, so I can only assume they are committing tax fraud and I am ready to report them to the IRS for violating IRS regulations .

Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. Experian still has not deleted this information that needs to be deleted.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove these accounts before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX. {$580.00}, XXXX XXXX XXXX XXXX. {$1300.00}, XXXX XXXX XXXX XXXX. {$7000.00}, XXXX XXXX. {$1200.00}, XXXX XXXX XXXX  XX/XX/2023, XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. 
My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all customers.
Product: Credit reporting or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX, Experian, and XXXX credit report Please remove immediately the following accounts : First Premier Please remove CLOSED ACCOUNT this account was unauthorized REMOVE CLOSED ACCOUNTS from my credit report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX on XXXX am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX on XXXXThe date of this inquiry is wrong.Please verify and provide proof of the date of this inquiry or remove this from my credit report. 
Inquiry from XXXX on XXXX am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XXXX am a victim of identity theft and I never authorized this inquiry. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to demand the fraudulent Discover account that has been reporting to my credit card for a year now to be removed. The account begins in XXXX. I have submitted multiple fraud reports for this account to be removed and disputes. XXXX 's customer service requested for me to turn in the full FTC report in order for this account to be removed due to Fraud. That has been done. I attached the full report to this letter. By law, an FTC works when fraud is involved and the account needs to be removed immediately. We go by the law. 
Previously, this account has been removed for fraud and re-added because Discover fraudulently changed the account number for this account. I contacted XXXX 's customer service on the phone and they thought this was a brand new account. Please review my Discover account history and you will see that this is the same account that was previously removed by XXXX, just with new account numbers. 
These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This account must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit.
Product: Payday loan, title loan, or personal loan

During my conversation with an Associate ( XXXX ) with XXXX ; I had requested to defer one payment on my Installment Loan ( # XXXX, Monthly Payment of {$270.00} ) to the end of my Loan ( XXXX, 2019 ) ; due to the fact I lost my job. 

Consequently, I was told by the Associate they couldn't honor my request.
Product: Mortgage

CMG suspended my ability to make online payments after 3 returned payments over the life of the loan so far. I contacted CMG several times to request to be sent this policy, which I had no notification of, until I was unable to make a payment online. I was advised Id have to mail 12 payments via money order or cashiers check until I could make online payments again. I have complained to CMG directly with no resolution, filed a XXXX  complaint, and they are refusing to reinstate online payments. I have made 3 mail payments with a money order, and feel that since CMG did not disclose such policy, it is unfair to demand mail payments for an entire year because of 3 returned payments. Fees have been paid up, and payments are up to date on my loan, so I do not see how they can reinforce a policy that was never disclosed and place me in a position where if theres a problem with USPS delivery, Ill be out money, and subject to late fee charges if there are delays/ mail gets lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 and XX/XX/2022. Capital One ( Bank ) issued inquiries that was not approved by me and it affecting my credit score.
Product: Debt collection

I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. It shows {$0.00} due yet still reports negatively on my credit reports. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.
Product: Credit reporting or other personal consumer reports

Formal Dispute Under 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance To Whom It May Concern, I am formally disputing the inaccurate and/or misleading information on my credit report and asserting my rights under 15 U.S.C. 1681o, which holds consumer reporting agencies liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite my previous attempts to resolve this matter of incorrect account details, your agency has failed to conduct a reasonable investigation or correct the erroneous reporting. This negligence has directly harmed my financial standing, impacting my ability to secure credit, employment, or housing. 

I demand an immediate reinvestigation and correction of the disputed information, as well as a written response detailing the steps taken to ensure compliance with FCRA regulations. Should this matter remain unresolved, I will have no choice but to pursue further legal remedies, including seeking damages for the harm caused by your agencys negligent reporting practices. Please provide a response within the timeframe required by law. I appreciate your prompt attention to this serious matter. 

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

I'VE PAID THIS ACCOUNT OFF AND XXXX XXXX XXXX AGREED TO REMOVE THE ACCOUNT FROM MY CREDIT REPORT BUT IT'S STILL SHOWING. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter certified tracking number # XXXX and # XXXX to get inaccurate information on my credit report investigated. 
The credit bureau stated that the below accounts were properly investigated but how is that possible if there is still inaccurate information on my credit report. This is grounds for REMOVAL. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit card or prepaid card

BMO Harris Bank issues XXXX XXXX cards through credit source XXXX XXXX, I have an account but they will not give me access to my information regarding my application or account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 24 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Payday loan, title loan, personal loan, or advance loan

I was trying to work in a hardship situation and Santander Bank denied helping me and took the pass due amount from someone else account I went to the bank to take my name out of the account since I don't have personal checking account and today XX/XX/2024 find out that I have a checking account as join with someone else. and they have to pay the account that it was deducted from.
Product: Mortgage

SLS lawyers told SLS not to assist me I called customer service She was shady didnt know anything wasnt trying to assist I was on hold too many thin times She said she needs to research We asked how long the application assistance take She didnt know We asked her what we need to do to stop the foreclosure she said she didnt know Then she said we need a code I asked her how do I get the code I dont have enough time she said I dont know We told her at least things need to happen asXXXX soon as possible we got slilent we had to drag the word out of her mouth They wont give any thing I upload a proofs of my apply for assistance by email and fax I promise you they wont do anything then they send letter thats after reviewing your application your not qualify
Product: Credit reporting, credit repair services, or other personal consumer reports

With the Equifax breach I am trying to take precautions to protect my personal information from ruining my financial life. There is very little help on the XXXX or XXXX or Equifax site to guide you to a free credit report lock or fraud alerts. They want to charge you at every turn. This is disgusting. I never asked them to collect my financial data and certainly not allowed them to leak it. I feel every person needs a free way to monitor or be alerted to any breach on their personal information that affects their life and head off a disaster waiting to happen some day in the future. THIS NEEDS TO BE FREE.
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote equifax about XXXX XXXX reporting an unverified account on XX/XX/2019 certified mail return receipt and ask them to verify or remove it.To this date they have did neither one and im asking that this negative item be removed off my credit report if not done within the 30 days by law.
Product: Debt collection

Portfolio Recovery wont stop calling me. They call me multiple times a week and sometimes even multiple times a day. It is from different XXXX area code phone numbers. Ive blocked them as theyve come in but they continue to call. I do not owe any debt. I would appreciate it if they stop calling.
Product: Credit card or prepaid card

I have sent AMEX a letter dated XX/XX/2021, and told them that they are reporting erroneous inconsistent account information on my credit report. Tracking Number # : XXXX. 

AMEX responded with a letter that is saying that they will send me the documents that I requested but the letter never came. 

Because of this negative effect on my credit report, I had been denied loans which, in this time of crisis is a necessity. This has caused me and my family a lot of stress, As per CCRAA which is a state law, AMEX is required to submit a report that is accurate and consistent as possible.
Product: Mortgage

I paid off my loan two weeks ago. I was required to send 16 days of additional interest in order to pay off the loan. Select Portfolio put the over payment in an escrow account. So far I have been unable to get them to refund this over payment of {$840.00}. The staff is rude and say the process can take up to 60 days. No one can explain the process as - i.e. do they review these overages monthly, weekly, never? No interest is paid to me on this overpayment while it sits in an escrow account that I never had during the actual loan. 

I am a senior citizen and having someone owe me almost a {$1000.00} is a hardship. Can someone explain why it would take 60 days to refund my money?
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/year>, Navy Federal Credit Union ( NFCU ) froze all my assets ( {$19000.00} ) due to a single flagged XXXX transaction of {$700.00}. Despite providing documentation and appealing multiple times, NFCU refused to release my funds or properly investigate the issue. They denied me access to my money, provided misleading information about fund availability, and treated me unprofessionally. NFCU also failed to release {$9700.00} from a paid-off pledge loan as contractually agreed. My business XXXX account remains locked, and my business phone number is flagged as fraudulent, impacting my ability to conduct business. Despite evidence from XXXX XXXX confirming the legitimacy of my funds, NFCU has not resolved the issue or provided any timeline for resolution. This situation has caused significant financial hardship, emotional distress, and reputational damage since XX/XX/year>.
Product: Debt collection

Aldous & Associates contacted me via Letter XX/XX/2022 stating that they were attempting to collect a debt, telling me that i owe which is an allegation. The language they used was threatening and forceful stating they would report this negative account on my credit report causing adverse effects to my credit, this is a violation of 15 usc 1692 d stating they have no right to harass, or bully me into paying an alleged debt. They spoke of a contract but neither was provided for me because i never signed a contract with XXXX XXXX nor gave permission to report, furnish or collect anything in my name. Written instruction or permission is required to share my information with Aldous & Assoc Pursuant to 15 usc 1692c ( b ), which i never them permission to contact me in collection with any debt. Also, not only was there no initial communication before sending this letter Pursuant to 15 usc 1692 g ( a ) but the letter that was sent didn't disclose any of the required information about the Original Creditor required to even constitute debt collection Pursuant 15 usc 1692 g ( a ) 1-5. It is clear Aldous & Associates is in clear violation of the FDCPA and has violated my consumer protected rights. They are civilly liable up to {$1000.00} each violation Pursuant to 15 usc 1692 k & I will be expecting a check of {$4000.00} for all 4 Violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on XXXX XXXX XXXX I wonder why Equifax report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me