23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted this company previously in regards to an account they furnish on my credit file. I requested that the company provide me with a contract or documentation bearing my signature and they have done so however, their is no record of billing. The balance owed is just on an alleged move out statement. To the best of knowledge this unit was sold and the contents contained in it was more than this balance because this balance being reflected is not correct. I asked for a complete billing record and was not provided. I also requested documentation from the sale of the unit.
Product: Mortgage

I submitted an initial complaint ( XXXX ) pertaining to US Bank not providing me refinancing on an existing mortgage I have with them due to a lack of documentation for a ground rent agreement they stated wasn't sufficient. 

They stated they documentation provided my my title company as well as documentation filed in superior court within the state of Maryland wasn't adequate. 

I ask them why would they deny refinance based on land lease agreement document being they have abided by it for over 9 years when they purchase my loan from XXXX XXXX XXXX. I asked they to provide evidence that the ground owner received and deposited the ground rent payment bi-annually from my escrow account. They were unable to confirm an stated an investigation was required to determine if the payments were ever deposited during the 9 year period and if the payments were deposited why didn't they request the ground rent agreement from the ground owner to complete the refinancing. They refused and stated they didn't know who the ground owner was and I needed to provided they with proof. 

After the investigation was completed and US Bank had already decided not to refinance my property they provided a response to CFPB stating " A review of our system confirms ground rent has been collected within the monthly mortgage payment since the loan boarded our system, with a first payment date ofXX/XX/.The next payment is scheduled to be disbursed from escrow in XX/XX/XXXX '' I purchased the property in XXXX which would mean US Bank has been deducting money from my money mortgage payment and placing it in escrow for ground rent for 9 years but will make the first ground rent payment on XX/XX/XXXX. This is documented in their response. 

What this proves is either US Bank never paid the ground rent in the 9 years I have had a mortgage with them and have been deducting funds for a ground rent they never paid in 9 years or they have been paying the ground rent and indeed know the identify of the ground owner and intentionally lied in attempt do cover up their unfair business practices. 

US Bank hasn't provided me with any documentation supporting or refuting the facts related to the identity, the payment history, the deposit history of the ground rent for the last year. 

I am requesting all documentation related to ground rent disbursements, deposit confirmation, escrow analysis proving payments were indeed paid out, and the identify of the ground owner. 

This will assist in determining is US Bank in good faith made an attempt to contact, obtain ground lease from owner which they had a relationship with through bi-annual payments for 9 years and if they weren't paying the ground rent why didn't they disclose this information so I could have worked with a lawyer or title company to attempt to legally obtain the grounds on which my home was built on.
Product: Mortgage

My then-husband and I took out a 1st and 2nd mortgage in XX/XX/XXXX ; we divorced sometime a couple of years ago. 

in XX/XX/XXXX some private Trust took over the 2nd mortgage and SN Servicing began servicing the loan. I myself never received any mortgage coupons, statements or billing/payment information. In XX/XX/XXXX, I received a Notice of Default and since XX/XX/XXXX have ben attempting to work with XXXX XXXX at SN Servicing to structure some time of repayment plan, modification, or other type on arrangement. Ms. XXXX repeatedly requested additional documentation until such time as she deemed the application complete on XX/XX/XXXX and would be reviewed. XXXX XXXX then informed me on XX/XX/XXXX that the XX/XX/XXXX sale would still move forward regardless of the fact that an assistance package approval is pending.
Product: Credit reporting or other personal consumer reports

XXXX XXXX directly violated my rights by accessing my student loan data. My social security number, address, and financial information was unlawfully exposed.
Product: Vehicle loan or lease

I CALLED AND EMAILED EXETER FINANCE ABOUT REPOSSESSING MY XXXX XXXX XXXX. THEY WAS SUPPOSED TO PICK IT UP SEVERAL MONTHS AGO AND NEVER DID. I DIDN'T RECEIVE ANY NOTIFICATION, MAIL OR EMAIL. NOW MY LICENSE IS SUSPENDED DUE TO THEM NOT GETTING BACK IN TOUCH WITH ME IN A TIMELY MANNER.
Product: Payday loan

I got a internet pay day loan for {$400.00} in XX/XX/XXXX and it charges a finance charge of {$200.00} per month which is not applied to the loan at all. This was not explained to me. So, I have now paid {$800.00} in finance charges soon to be {$1000.00} in XX/XX/XXXX for a {$400.00} loan and none of the {$800.00} that I have paid is applied to the loan. In order to payoff I have to pay the {$400.00} loan amount plus the {$200.00} finance charge. So, if I had the additional {$600.00} to pay off now I would be paying a total of {$1400.00}. The original company was XXXX but now they have changed name to Big Picture Loans.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request the removal of specific accounts and inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were part of the data breach, and I believe they should be blocked and deleted from my credit file. 
The affected accounts are as follows : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$530.00} XXXX. XXXX XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$3700.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Additionally, the following inquiries are associated with this breach and should be deleted : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost finds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I never did business with the company LVNV Funding LLC, both the company and the credit bureau never provided me with notice of this alleged debt being placed on my credit or provided me with a signed contract with my signature. A collection bill is not a validation and that I have a right to be provided with proof or it needed to be removed.
Product: Debt collection

student loan debt being reported as owed balance of XXXX. need to be updated as paid in full per 12 usc 1813. Ive disputed this debt through the 3 major credit burreaus and they have not updated nor resolved the issue on my reports.
Product: Credit reporting or other personal consumer reports

XXXXime has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned 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
Product: Money transfer, virtual currency, or money service

why the app said my money will be available instantly and why it says my debit card is still on there when you guys keep saying its not there.I NEED TO BE ABLE TO USE MY DEBIT CARDS TO ADD MONEY AND USE THE COINBASE CARD, YOUR APP LIED TO ME STATING THE FUNDS WILL BE AVAILABLE INSTANTLY BUT INSTEAD IT TOOK MANY MORE DAYS AND THE FUNDS NEVER CAME OUT MY FUNDING BANK SOURCE AND THEN COINBASE PUT MY ACCOUNT ON HOLD AND THEN THREATENED TO SELL MY ASSETS. THIS HAS HAPPENED MULTIPLE TIMES
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, after requesting and reviewing credit reports with all XXXX credit reporting agencies, I filed disputes to XXXX XXXX XXXX negative past due reporting during year XXXX, XXXX whereas I had to leave my job in order to make my son present through virtual XXXX XXXX 

XX/XX/XXXX, dispute complete through Experian. XXXX XXXX XXXX to remove the past due reporting ( during Covid-19 pandemic ) for months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Notably, XXXX was the ONLY year that I got behind on their payments. 

XX/XX/XXXX, I followed up by calling them directly, explaining the dispute again and was told they would not remove the past due reporting at all for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX that took place in XXXX, during XXXX pandemic. 

I have had XXXX issues with any other creditor for this same matter for period during the year of XXXX. 

For reasons well known, trying to settle this matter through credit agency disputes and through contacting them directly with no ( what would be common sense ) resolution to remove the negative reporting for the months in year XXXX, I turn to Consumer Finance to intervene and rectify this dispute accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX VISA account appears on my Transunion credit report as hard inquiries, ( 3 times ). I have disputed many times those 3 account via Transunion and also directly by calling this company but every time transunion and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS 3 HARD INQUIRIES TO BE SEND TO MY MAILING ADRESS O OTHER WISE THEY NEED TO DELETE THOSE INQUIRIES.
Product: Vehicle loan or lease

I purchased a car out of state on XX/XX/XXXX and financed it with Valley Bank. I paid off the loan on XX/XX/XXXX. Since then, I have not received an acknowledgement of the payoff, nor a release of lien. I have attempted to contact Valley Bank numerous times about this issue. Each time, it takes between 4 and 8 hours to be connected with an operator and the operator never can get in touch with the load department. The operators claim they submit tickets on this issue, but I have not received any further communication from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccurate information that continues to be reported on my credit report. Despite multiple attempts to dispute this information and provide evidence to support my claims, Experian, XXXX XXXX XXXX has continued to failed to conduct a proper investigation and update my credit report with accurate information, as required by law. 

I am specifically referring to the XXXX XXXX XXXX XXXX XXXX XXXX which has been incorrectly reported on my credit report. Despite providing evidence that this account is inaccurate and inconsistent, it continues to be reported on my credit report, negatively impacting my credit score and livelihood. This account is reporting different last date active, different last payment payment dates, and all have different payment history reporting when theyre all supposed to be reporting the same information accurately Furthermore, I believe that Experian XXXX XXXX XXXX XXXX has violated the 15 USC 1681i law on numerous occasions by failing to conduct a proper investigation into my disputes and continuing to report inaccurate information on my credit report. This is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but it has also caused significant harm to my mental state and livelihood. 

I demand these organizations delete this inaccurate account as required by law for reporting inaccurate and incorrect information. I also demand that these organizations compensate me for any damages caused by their failure to comply with the FCRA and other relevant laws. 

If I do not receive a satisfactory response to my dispute within 30 days, I will be forced to pursue legal action against your organization for violating my rights under the FCRA and other applicable laws. 


Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX XXXX XXXX XXXXKAY 'S ( XXXX ) in regard to an unknown KAY 'S JEWELRY account after pulling my credit reports which was said to been verified. XXXX said they aquired the debt from parent company STERLING JEWELERS INC. ( XXXX XXXX ) but say they sold the debt to XXXX XXXX XXXX around ( XXXX ). All 3 companies are reporting inaccuracies to the credit bureaus in violation of CFPB law. S.JEWELERS charged off acct. on ( XXXX ) with a balance of {$440.00} which is still reported as DUE with ( XXXX ). XXXX/KAY 'S also reports acct.with XXXX as ( C/O BAD DEBT ). XXXX XXXX  is reporting to ( XXXX ) the same acct. open with ( BAL.DUE {$440.00} ) on behalf of S.JEWELERS from ( XXXX ) which I believe is double jeopardy and in violation of CFPB and FDCPA. Its negatively hurting my credit score and XXXX/KAY 'S sent a letter saying they reported everything to all 3 bureaus accurately and won't remove any negative remarks. XXXX also shows a Charge-Off from XXXX/KAY 'S on ( XX/XX/XXXX ) and PAID ON TIME status from ( XXXX XX/XX/XXXX ) with Date of Last Payment as ( XXXX ). Which one is accurate. The last reports/updates are ( XXXX XXXX, XXXX XXXX AND XXXX   XXXX ) which makes me believe they never actually investigated the dispute.
Product: Debt collection

I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me
Product: Credit card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Nevada XXXX Bank of America Attn : Billing Inquiries Re : Notice of disputed charge to Account No. 
XXXX Account - XXXX XXXX XX/XX/XXXX. - XXXX I am writing to dispute XXXX XXXX {$350.00} charge to my credit card account on XX/XX/XXXX. I did not receive the goods I paid for. It should have arrived XXXX/XXXX/XXXX. Please reverse the transaction. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Inquires that i do not recognize XXXX 3 times XXXX- 3 times XXXX XXXX 18 times
Product: Mortgage

I applied for a purchase loan with rocket mortgage starting in XX/XX/2022 with a pre approval. While searching for a property I had to update the pre approval since the search took a while. So I had 2 credit pulls during the pre approval process. When I found a property I learned my application was withdrawn without my knowledge. I talked to the XXXX  and it was stated that there were no par rates for Iowa, meaning a rate with no discount, due to some type of Iowa law, this turned out to be untrue. 

When I had previously last spoke to the XXXX about locking the pre approval, it was stated if I paid for the appraisal upfront they could lock the pre approval. I went thru that process and he encountered a system issue and called back and then he said for Iowa we couldn't lock the pre approval. He said nothing about withdrawing the application. Made it seem I just couldn't lock the pre approval, so when I found a property and called to lock, that's when I learned I didn't have a application. I had to scramble to find another lender and get another pre approval. 

So then I learned that rocket is the issue where they have no par rates for the state of Iowa for FHA loans, there is no Iowa law preventing rocket in Iowa. The explanation given was not true. Instead of blaming Iowa they should have said rocket didn't have a rate to give without discount due to their own policies, not because of Iowa. 

The issue is I had 2 credit pulls when rocket was never able to do the mortgage in the first place. I told them the whole time I needed an fha mortgage. I want the credit inquires removed. Rocket should know the guidelines for the states they are originating in and if they have no rates to give within the guidelines of that state for FHA mortgages they should not be taking applications for that state. I didn't withdraw my application, I fully intended to close with rocket but due to their failed controls I wasted time and credit hits working with them. A fair compromise is to remove their 2 credit inquires. How is it permissible purpose per FCRA when there was no way for the loan to go through in the first place? Rocket is taking FHA applications for loans they can't close for the state of Iowa.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME. I HAVE SENT THIS INFORMATION TO EXPERIAN BUT THEY CONTINUE TO SAY THEY DIDNT RECEIVE IT. SO THEY FAILED TO DO A PROPER INVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Experian a follow up letter for report # XXXX. Experian has not given me a response to my question in my follow up letter. Experian stated that the items were verified but Experian has not provided a description of the procedure to verify the inaccurate items listed on my consumer report. Experian has ignored my request and has not responded to my question. Experian has ignored me and taken advantage of me. I am demanding that the two inaccurate accounts be deleted from my consumer file.
Product: Debt collection

On XX/XX/XXXX, I checked my monthly credit report statement noting the following : Credit Alert Derogatory Account Reported By I.c.  System, Inc Reported On XX/XX/XXXX Account Balance : {$100.00} Account # - XXXX XXXX XXXX - Ticket # - XXXX ; XXXX I called I.c. System, Inc. to inquire about the charge and was told that it was related to XXXX XXXX. They claimed it was related to an account that was closed in XXXX. At no time have I been made aware of the debt. I was never given a chance to dispute it. I have returned every equipment I ever collected from XXXX XXXX. This company has a pattern of misplacing returned equipment and coercing former customers into making payments. I have made multiple attempts to contact XXXX XXXX and have been promised a call back, all to no avail. I would like this unsubstantiated charge removed from my credit report. 

I'd greatly appreciate your help.
Product: Student loan

I have XXXX loans that were cultivated from XXXX XXXX between XXXX and XXXX. The Original loan amounts are a percentage of what is currently owed ( ~ $ XXXX ). Although I am currently on a repayment plan, the loans have gone through several forbearance options through the years where repayment options were not pushed as much as forbearance options resulting a large interest balance compared to principal balance. I keep getting denied options to reduce interest or waive balance because I am not a XXXX XXXX or a XXXX  I know I have paid far more than what I borrowed and this balance just does not go down.
Product: Debt collection

Sentry Credit Inc. waited until after my employment ended to attempt a wage garnishment in violation of the FDCPA. 

1. ) Sentry Credit Inc, XXXX XXXX XXXX XXXX, WA XXXX, misrepresented themselves on the writ of garnishment as " West Coast Adjusters, ''. 

2. ) Sentry Credit Inc, Sentry Credit IncXXXX XXXX XXXX XXXX XXXX, WA XXXX, made 'threats to do things that can not legally be done, or threats to do things that the debt collector has no intention of doing. ' Sentry Credit has no intention of actually garnishing wages, and intentionally served a garnishment notice two days after my separation of employment of a year and a half. 

Sentry Credit did this to embarrass, harass, and intimidate me for being XXXX and owing on a XXXX XXXX XXXX phone bill. Now the employer will likely never hire me back even if business improves.
Product: Credit reporting or other personal consumer reports

Company : RADIUS GLOBAL SOLUTION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Through Radius Globa Solution, XXXX XXXX reported the wrong balance to the reporting agency. 
The reported amount is for acct XXXX XXXX {$300.00}, opened XX/XX/XXXX XXXX. 
Another account XXXX  XXXX {$0.00} XX/XX/XXXX XX/XX/XXXX, constitutes the final account I held at that address. 
Upon intense communication with multiple representatives at XXXX : XXXX, XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX department. 
They all refused to take into account that my last account showed {$0.00}. They have been unable to reconcile how I can owe money on XXXX account, yet have another account showing {$0.00}.