23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. TRIDENT ASSET MANAGEMENT XXXX has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with TRIDENT ASSET MANAGEMENT XXXX, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting TRIDENT ASSET MANAGEMENT XXXX delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.
Product: Bank account or service

Chase bank restructured transactions in my checking account so that they could extract XXXX overdraft fees instead of XXXX on XXXX XXXX, 2016. In fact, the first XXXX debits arrived early in the day, and the last, much larger debit was a late debit. There were sufficient funds to pay the first XXXX debits, and so only XXXX fee should have been charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SCXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX XXXX XXXX. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX {$690.00} Status Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX {$420.00} Status Account charged off. {$420.00} written off. {$420.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through XXXX XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through XXXX XXXX XXXX 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3800.00} Status Account charged off. {$3800.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3800.00} Status Collection account. {$3800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$520.00} Status Collection account. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$600.00} Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$120.00} Status Collection account. {$120.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX discharged Potentially negative Date Filed XX/XX/XXXX Court XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I was targeted for an offer for XXXX AA miles if I open a new citi gold account and pay XXXX bills as well as use the debit card for at least {$1000.00}. I completed the requirements and CITI confirmed that I met all the requirement and would be receiving my miles within 90 days. The 90 days passed in XXXX. I have submitted several requests to CITI for my miles and have yet to receive them.
Product: Debt collection

XXXX XXXX XXXX XXXX {$800.00} XX/XX/2019, CREDITOR XXXX XXXX, OLIVER ADJUSTMENT COMPANY XXXX XXXX,, {$760.00} XXXX XXXX,,, {$150.00}., CREDITOR XXXX XXXXXXXX XXXX SC NOT UNDERSTANDING HOW THIS MAY HAVE OCCURED.IAM AXXXX YR OD FEMALE THAT HAS GOTTEN MEDICAL ASSIS FROM THE STATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts blow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. # XXXX XXXX XXXX / Account 2. # XXXX Service/ 3. # XXXX Service/ 4. # XXXX XXXX XXXX  XXXX/ 5. # XXXX XXXX 6. # XXXX XXXX/ 7. # XXXX Service. 
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. ( aX5 ) Section : no comsumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C1681s-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: Debt collection

Dear [ Creditor or Credit Reporting Agency ], I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have been trying to resolved a late payment being reported by Capital One. I been a card holder since XX/XX/2019. Each month I have had issues trying to pay my balance via capital one website. I still do not have proper access to my account via their website. Therefore I can't used my card and can't review my statement or balance.Sometime everything went through, but most time I was left to call them to process my payment. They begin to add late payment to my credit report unless I setup auto draft. 
This is the only thing effecting my credit and denied my access to purchasing a home.
Product: Mortgage

XXXX XXXX XXXX is the Current Servicer Foreclosing On My Home. 
They are Not On Any NOTE or Deed Of Trust. My Loan was Originally Thru XXXX purchased in 2002 and has been Securitized Thru MERS and On XXXX XXXX As a Mortgage backed security. Nationstar is currently the Servicer only and Not On Any prommissary NOTE or not on any Deed Of Trust As an Owner, It is my strong belief that they have NO Standing To Foreclose And have No Rights to my Home especially since it has been Securitized Thru XXXX Years Ago on XXXX XXXX and Put Thru the MERS System. NO Current Note Could Be Found At All By Nationstar ( The Servicer ) Showing Any Proof Of ownership. It is my belief they are committing FRAUD on The Court and Fraud in many aspects.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has multiple violations the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner. And Im now at risk of financial harms
Product: Mortgage

I fell 3 years behind in payments due to severe XXXX injury & hospitalization from the XXXX war while on XXXX XXXX in the XXXX XXXX. 

I paid only XXXX for the home in XX/XX/2007. This date and the original purchase amount is also reflected on ALL of the original financial documents ( deed, etc ). 
M & T bank took over the loan and literally ADDED each and every payment ( plus interest ) that I fell behind on to the XXXX original purchase price. They, as a result, fraudulently ballooned the Home loan to almost {$590000.00}! 

M & T bank then put my payments from XXXX/month to almost $ XXXX/month and literally erased all 8 years of equity ( on time payments ) that I made on the loan. 

M & T bank then claimed that I must sign the agreement to pay almost $ 4000/month or face absolute & certain foreclosure. 

M & T bank ALSO INCREASED the number of years to pay the loan back to 30 years! 

I could not keep up with these payments and M & T filed foreclosure. This is fraudulent predatory lending. 

The length of the 30 year loan should have been extended by only 3 years in order to keep the monthly note the same, $ XXXX/month. The 8 years of equity ( 8 years of house note payments ) should be credited towards this loan in full. The original purchase price of XXXX for this Home should not have been changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus : XXXX, TransUnion & XXXX are inaccurately reporting late payments on my credit report for XXXX XXXX in XX/XX/2014. I have never been late on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX Credit Card. I pay my bills religiously on time. I keep getting phone calls and text from a place called Affirm. They tell me they are a debt collector. They keep telling me I own late fees of different amounts from XXXX dollars to XXXX. I felt this was shady, so I told them so and contacted XXXX myself. They reported I am up to date on my account and no amount is owed by me. The phone number in which they call me from is this one.XXXX My documents to prove I'm up to date are included.
Product: Credit reporting

On XX/XX/XXXX, my wife and I sent a request to Equifax, asking them to investigate errors on our credit report. My wife received a timely response to the request, but Equifax has not sent me the results of my investigations. It has been 45 days already, and I have yet to receive any word from Equifax regarding my investigation results.
Product: Mortgage

Select Portfolio requested proof of the XXXX statement that shows my loan was never modified and the detailed history. 

XXXX has not complied with the terms of the DODD Frank 's Act to allow for consumers to convert subprime mortgages under the HARP program to a fix rate mortgage. XXXX sold my mortgage to Select Portfolio on XXXX XX/XX/XXXX. 
XXXX is actually still the lender and they denied my request to a loan modification in XX/XX/XXXX. The mandate period expired on XX/XX/XXXX. XXXX was sued for mortgage fraud in XXXX and XXXX. 

I never agreed to a subprime mortgage. I want this issue resolved asap. 

Request the FBI, CFPB, SEC, FTC mortgage fraud investigators investigate this matter and add ke to the class action lawsuit against select portfolio. XXXX refuses to resolve this matter and intentionally uses Select Portfolio to avoid penalties and accountability for this mortgage fraud.
Product: Credit card or prepaid card

I have a card with capital one.My wife also is a account holder on this card.We purchased a pair of boots from a merchant called the XXXX XXXX.We received the boots and the co sent two left boots instead of a right and left.We made multiple attempts to this co to send the boots back but couldn't get any one to respond to ours calls.The phone would say this callers mailbox hasn't been setup.We also tried to send them a email on XXXX different attempts but got no response.We called our credit card co capital one and asked to do a chargeback for XXXX purchase in the amount of $ XXXXCapital one granted the chargeback on XX/XX/XXXX for $ XXXXThe merchant finally responded 10 days later and asked for pictures of the two left boots.I sent 7 pictures.The merchant said they couldn't tell by the pictures that I sent and That I need to send pictures of the boots side by side so the could see the heels.I did as the merchant requested.The owner of the store agreed the boots were defective.He sent this in a email but wanted me to remove the chargeback.This is 15 days later.I told him the matter was closed.I also offered to send the two left boots back but the merchant didn't want them do to having to pay shipping.I still have the boots.I noticed on XX/XX/XXXX the {$67.00} appeared back on my card and I was now being charged again for the defective boots.I called capital one and they told me the merchant told them the correct boots were sent.I faxed capital one a copy of the email that the owner of the XXXXXXXX XXXX sent me stating the boots were defective and a picture of the boots.The XXXXXXXX XXXX didn't send a invoice in the boot box but capital one told me that I had to fax them a letter stating no invoice was in the box.I did as requested.Capital one is now telling me that I need to take the boots to another boot co and get a written statement from another boot co stating that I have XXXX left boots and send them this written statement. I have never heard of such a request nor does it make any sense to me why I should have to do this last request.My case # is XXXXMy card number ends in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian are all All three credit bureaus are inaccurately reporting false information on my credit report, which is negatively impacting my life and significantly affecting my creditworthiness. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists All accounts needs to be removed
Product: Checking or savings account

XXXX made an unauthorized charge on my new business account debit card for {$890.00} Account is XXXX - XXXX  XXXX XXXX XXXX has accepted the claim and refunded me the {$890.00} However Bank of America refuses to credit me my {$890.00} back. I have called numerous times. I was told the case has been escalated. I have faxed over documentation from XXXX showing they have refunded the money but no success. This is a violation of banking rules on when the bank is suppose to credit my account. It has resulted in nsf fees being charged to my account which they refuse to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted countless times over the past year to have inaccurate and misleading information removed from my credit reports. My latest attempt I again mailed disputes and demand to have inaccurate information removed from all three credit reporting agencies XX/XX/2021. I mailed copies of my identification ( drivers license social security card and proof of address ) along with my dispute letter AND proof that my personal information had been compromised ( Equifax data breach proof and claim filed ) sent certified mail by USPS. I have fraud alerts and freezes on all three reports to indicate that I have been the victim of identity theft.This was again to no avail. According to the FCRA sec 601c inaccurate information must be verified or removed if no proof of account ownership found. I have complied with the law yet Equifax, XXXX, and XXXX dont appear to even care about following the laws set before them. Not once in a year have I received any proof of ownership of the accounts that I am being held liable that are not mine. I have submitted proof several times over. They also claim to have directly verified a XXXX XXXX bankruptcy from the source however I have contacted the courts and advised the Northern District Georgia courts do not and will not verify bankruptcy information with anyone or any agency via telephone. I have yet to have this proof in writing as the law states I am entitled. I will not rest until these incorrect and misleading accounts and reporting practices are corrected and removed at once. I know my rights under the fcra and not only are the credit agencies liable but you all will be as well for allowing continuous illegal reporting practices. I have sought legal counsel at this juncture. I do not deserve to have to suffer a life or being non credit worthy based off laziness and incompetence from those responsible for relaying correct information.
Product: Mortgage

I submitted a home loan modification for the XXXX time to Chase Bank. I am XXXX military. I currently reside in the home now. I didnt somehow qualifiy for a the loan modification, and I provided all the documentation for the homeloan modification. I can afford the mortage payments but at a reduced rate. Since Chase Bank has decided to dissapprove my loan modification I will file bankruptcy, and in addition I will file a law suit against them as well for damages. I provided documentation in my loan modification stating my hardship. I asked for the audit report from Chase Bank and the orginal loan documents for the property stated at XXXX XXXX XXXX XXXX XXXX, Co XXXX. I have yet to get any paperwork for my house. The Chase bank wont except my checks even though the property is under my control. I have been foreclosed on once as XXXX military and I have had been force out recently by the XXXX and court appointed reciever. Chase bank will not allow me to use the equity in the house to catch up on my current expenses so I can have a lower payment as well. I want the occ bank regulators and the federal government to look into the XXXX program for Chase Bank. I will no longer talk to Chase Bank and at this time I will pursue bankruptcy proceedings and file a law suit against Chase Bank. Until I recieve an audit report from Chase in reguards to the home loan modifcation I dont want to talk to anyone. Lets just get media attention for this and in addition I will file a congressional hearing with the department of justice for violations of the SCRA because I am not suppossed to be forced out of my home for any reason. So since I made a complaint to Chase bank my home loan modification was denied and the bank does not want to provide me the documentation I previously asked so therefore Chase Bank has no proof they own my home. So I am requesting that the federal government and XXXX look into my request in a timely manner.
Product: Vehicle loan or lease

THE COMPANY IS CHARGING MORE AND MORE ON INTEREST ETC. I WAS TOLD IN XXXX TO MAKE A PAYMENT AND I WILL GET AN EXTENSION IN XXXX. I CALLED IN XXXX TO PAY A PARTIAL PAYMENT WAS TOLD BY THE REPRESENTATIVE THAT I WAS NOT DUE UNTIL XXXX ALL NEED TO PAY WAS XXXX DOLLARS. I TALK TO SEVERAL REPS WHO DID NOT MAKE SENSE ON WHY I WAS TOLD THIS AND IT IS MAKING ME BEHIND IN MY PAYMENT. THE COMPANY HAS COMPLAINTS OF HOW CUSTOMER SERVICE AND THE COMPANY GIVES WRONG INFORMATION AND HOW THEY ADD INTEREST THAT MAKES THE PAY OFF HIGHER. THERE IS A CLASS ACTION SUIT AGAINST THIS COMPANY
Product: Mortgage

I closed on a loan for my house in XXXX of 2006 with XXXX XXXX XXXX XXXX at {$650.00} a month ( 30 year variable ). I had also closed on a secondary mortgage for the property with XXXX XXXX  XXXX at {$210.00} a month ( 30 year fixed ) After settling a class action lawsuit for discriminatory higher lending rates to minorities ( I was recipient ) ; XXXX  XXXX eventually sold my loan to XXXX  XXXX XXXX. XXXX XXXX XXXX adjusted my monthly payment to the amount of {$650.00} and serviced my loan ; but eventually tried to coerce me into making an escrow payment for hazard insurance as well ( XXXX XXXX XXXX ). I refused to make the extra hazard property insurance payment, ( I already was paying it on my own to XXXX XXXX XXXX ) but I did continue to make the mortgage payments. 
A class action lawsuit was filed against XXXX  XXXX XXXX for the hazard insurance being forced upon many customers. XXXX  XXXX XXXX did settle the lawsuit based on terms that I myself did not endorse, and they made no effort to re-adjust my loan. XXXX   XXXX XXXX did sale my loan to Select Portfolio Services before the settlement payments were issued to the customers. Select Portfolio Services paid the lawsuit amount, but has only sought to collect certain amount of the unlawful hazard escrow, and has continually charged me late fees as well as excess high interest rates on my loan. I think it's because I refuse to pay on the bogus forced insurance and I only pay the mortgage amount. 
I have never fell behind 1 month on mortgage. I have payed off the secondary mortgage, and no longer owe XXXX XXXX  anything. I only owe the first mortgage now, but I am being coerced by many letters and phone calls and bad credit reports from Select Portfolio to extort excessive payment from me. My mortgage interest rates are already far too high above prime lending rates ( it's over 7.5 %! ) Yet they raised my mortgage payment to over {$700.00} a month now, and they also want me to pay that unnecessary insurance. 
Select Portfolio Servicing has sabotaged my mortgage and has caused error on my credit rating with their unlawful activity. As of lately, I refuse to pay more than {$650.00} on my mortgage because I feel abused by this activity on my mortgage by Select Portfolio Services ... Again ; I have never fell behind, not even one month 's payment on any history of the home loan since it started in XX/XX/2006!
Product: Credit reporting, credit repair services, or other personal consumer reports

The previous investigation did not fix error.