23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I received correspondence from Statebridge Company regarding forced placed insurance on my property, loan # XXXX. Although Statebridge claims to have removed the forced placed insurance effective XX/XX/XXXX, stated in a letter dated XX/XX/XXXX, Statebridge continues to assess me for forced placed insurance according to the XXXX mortgage statement sent by Statebridge on XX/XX/XXXX ( statement dated XX/XX/XXXX ). 
In the correspondence letter from Statebridge dated XX/XX/XXXX ( received XX/XX/XXXX via CFPB ) states, " As of the date of this letter, your account with Statebridge is reflecting a current status with a next payment due on XX/XX/XXXX ''. 
To the contrary, the XX/XX/XXXX statement sent by Statebridge continues to demand payment for forced placed insurance and lists late fees. I contacted Statebridge and spoke with a woman by the name of " XXXX '', ( Team Lead is her title ), whom has informed me that the letter I received from Statebridge dated XX/XX/XXXX, claiming to have cancelled lender-placed insurance on my property as of XX/XX/XXXX, is incorrect. XXXX seemed to feel that she was more knowledgeable than whomever was communicating with the CFPB and questioned the validity of the documents sent as attachments from Statebridge, in response to my complaint. Ms. XXXX has further complicated this matter with her contradicting statements and brash demeanor. I requested a mortgage statement reflecting what " XXXX '' was stating, as she informed me that the current statement sent to me was also incorrect, but she said she could not or would not be forwarding a correct statement. XXXX instructed me to send in a payment different than the amount demanded on the mortgage statement I received for XX/XX/XXXX payment. 
This has to be one of the most dysfunctional companies I have ever had the displeasure of dealing with. 
It appears I have no other option to get a straight answer, than to seek legal representation.
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. 
XXXX XXXX  : Acct # XXXX, XXXXXXXX XXXX  : Acct # XXXXXXXX XXXX XXXX XXXX  : Acct # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Acct # XXXX. ALL has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 ) States : 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

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX  XXXX Balance : {$910.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$520.00} XXXX XXXX  XXXX XXXX Balance XXXX {$3900.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$1.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received two letters where creditors closed my account due to adverse action. I checked my credit report and found that Equifax place a bankruptcy on my report as of XX/XX/2018 and I have not file bankruptcy. This agency has caused two creditors to close accounts. The question is why they placed that on my report and have they verified that with the bankruptcy court. Report number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I requested inaccurate accounts to be investigated on my credit report. I received a response that those inaccurate accounts had been verified and I know they are not reporting accurately. On XX/XX/2020, I mailed another letter asking for proof of investigation and pointed out inaccuracies. I received a response that these accounts were updated although I compared them and there were ( no changes ). I also didn't get any proof of the investigation.
Product: Checking or savings account

Open an account at Chase Bank deposited XXXX  checks XXXX  written directly to me other XXXX  written and payable to my minor children same address as me. Chase closed the account sending me a cashier check for checks payable to me, this wasXX/XX/XXXX Cashier Check # XXXX : as of todays date I've yet to get the money from the other checks deposited was told to bring in my children birth certificate and social security cards my kids don't have an account with Chase when ask to just return the checks I've was inform they had already cleared and I would get the funds in mail. Nothing as of todays date, which isXX/XX/XXXX went into branch and was told to look for it in mail.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Correct Inaccurate Personal Information and Missing credit reporting To whom this may concern, I am submitting this complaint because { Equifax, Experian and TransUnion } have failed to correct inaccurate personal information on my credit report despite multiple attempts to resolve the issue. I have sent letters dating back to XXXX with copies of ID, Birth certificate, social security card, and bank statements. Additionally, [ Transunion/Equifax ] have not reported any accurate information or activity since XXXX, which is negatively impacting my credit profile. 

Issues that need to be Corrected : XXXX ) Incorrect personal information - My report list outdated and incorrect addresses and birthdate. 
XXXX ) Failure to report credit history correctly- [ Transunion/Equifax XXXX have not updated my credit history since XXXX, despite my active accounts. 
XXXX ) Lack of response to previous disputes - I have submitted disputes online and in hand written letters with return receipts to update my information, but the credit bureaus have failed to correct the errors. 

I am formally requesting that [ Transunion/Experian/Equifax ] take immediate action to : 1 ) Correct my personal identifying information ( address, and birth date ) based on valid documents. 
XXXX ) Accurately report all active credit accounts that should be reflected on my report and correct inaccurate information such as late payments on student loans. 
XXXX ) Provide a written response detailing the corrections made and an explanation for the reporting gaps. 

If these issues are not corrected within the legally required timeframe, I will escalate this matter further, as failure to maintain accurate credit reporting violates the Fair Credit Reporting Act ( FCRA ). 

Please provide an update on this matter soon as possible. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My student loan servicer, MOHELA, recently transitioned to the Missouri XXXX XXXX XXXX XXXX ( MOHELA ). However, both entities are currently appearing on my credit report, making it look like I have double the amount of student loans. 

This discrepancy is causing issues as I am in the process of seeking preapproval for a home loan. I would appreciate assistance in resolving this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My equifax credit report date of XX/XX/2021, located in the equifax credit report " REVOLVING ACCOUNT SECTION '' has not updated for several months. The reported balances and credit utilization percentages are incorrect in this section of the report. This can have an adverse impact on my credit score. Please have equifax update the " revolving account section '' to reflect actual balances in other sections of this same report. 
I have talked to several different customer service reps. who have done no changes over the months. i dont know what else to do. please help me to correct this problem. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Ga. XXXX XXXX | XX/XX/XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are  required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have  on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account Unverified Account Unverified Account Creditor 12 Unverified Account Creditor 13 Unverified Account Creditor 14 Unverified Account Creditor 15 Unverified Account Creditor 16 Unverified Account Creditor 17 Unverified Account Creditor 18 Unverified Account Creditor 19 Unverified Account Creditor 20 Unverified Account Creditor 21 Unverified Account Creditor 22 Unverified Account * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You, XXXX XXXX XXXX XXXX. IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. Signed, sealed and delivered in the presence of : XXXX XXXX XXXX XXXX. XXXX Signature STATE OF COUNTY OF I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX XXXX XXXX, who is personally known to me or who has produced XXXX as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. WITNESS my hand and official seal in the County and State aforesaid this _____ day of XX/XX/XXXX. XXXX Notary Public Printed Name : My commission expires :
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I disputed a XXXX XXXX charge of XXXX and they didn't respond. but yet put it back on my report while being charged off on XX/XX/XXXX as well as XXXX  the amount of XXXX and all the old addresses on my account and an old XXXX XXXX account of XXXX
Product: Debt collection

i settled a debt owed to XXXX XXXX. they apparently sold the account to 2 different collection agencies. i contacted everyone involved but nothing has changed
Product: Credit reporting or other personal consumer reports

I was denied credit because their technology could not validate my identity, even though I have received credit from them AFFIRM in the past. My Credit Score is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, which has led to several fraudulent entries appearing on my credit report without my knowledge or consent. These XXXX unauthorized accounts and 2 inquiries were added without my approval. 

ACCOUNTS - 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 XXXXXX/XX/year> I have already filed a report with the XXXX XXXX XXXX XXXX XXXX XXXX regarding this identity theft and am now requesting the immediate removal of these fraudulent items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My attorney contacted XXXX XXXX XXXX  / LVNV Funding on XX/XX/2023, regarding an outstanding balance of {$640.00}. My attorney requested the original contract, bill history, and interest paid. They only provide the last billing payment cycle.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with 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 in XXXX to XX/XX/year> 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. 


XXXX 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

I deposited a check to BofA via atm. The check was immediately put on hold and XXXX funds were available or will be available until XXXX. I went to reception and asked to speak to someone. The agent asked what it was regarding. He explained this was for for my protection and was not allowed to speak to anyone else. I called my bank when I returned home. This was to no avail and another call on XXXX was also unsuccessful. This they say is due to previous fraud on my account for over a year ago. The fraud was from my cloned atm card and not a check deposit. The bank allowed XXXX $ to be withdrawn from my account when there were insufficient funds to do this transaction. I could not withdraw that amount if funds were not available, how can someone with a cloned card do it. This fraud was reported immediately and resolved. Why am I being penalized a year plus later for their mistake. Please assist in this reconciliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

T

he CARES Act and Credit Reports states ......

If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends.

****In XX/XX/XXXX XXXX/COMENITY/XXXX  is reporting a late payment to my credit report however I had follow all steps of making a valid payment arrangement via the cares act with this company during the XXXX XXXX XXXX however the company is still reporting inaccurately to all 3 of the national credit agencies I was current before and after that time also.

you are current on payments and make special arrangements, creditors must report the account as current.

Late and missed payments CAN NOT be reported if you have already made arrangements.
Product: Mortgage

I purchased my home in XXXX XXXX and had my loan serviced thruogh XXXX. I had set up automatic payment to come out the XXXX of every month and had no problems or missed payments. On XXXX XXXX XXXX I received a packet in the mail stating starting that day my loan will be serviced through Loan Care. I never received anything from XXXX saying they were selling my mortgage. I contacted Loan Care to find out how to pay my XX/XX/XXXX mortgage since it was due that day. When I contacted Loan Care they were unable to tell me anything because it would take some time for my account to be loaded into the system. They told me to go ahead and send a payment in with the coupons that came in the packet of info. I mailed the payment and coupon on XXXX XXXX and kept checking on the status of it for 3 weeks. The payment has not cleared, I am being told that I am past due. I asked if I should stop payment on the check and just pay online. I was told if I stopped payment on the check I would be charged a XXXX dollar NSF fee. In the meantime, I set up automatic payment for XXXX XXXX mortgage and that payment has n't cleared the bank either. I never asked to be sold to another company and this has been a headache for about 4 weeks. I have made 4 phone calls and no one has been able to tell me Anything. My homeowners insurance was also renewing in XX/XX/XXXX and my insurance company had no idea who to contact regarding billing. This is ridiculous. I can not believe that I did n't have to legally be told sooner than the day payment was due. XXXX never informed me of anything. They sent the XX/XX/XXXX statement saying the normal payment was due but never anything about selling the mortgage.
Product: Debt collection

I never received any type of communication from this company and they reported a debt for {$130.00} to my credit. I have never even had cable in my life and it appears they are a cable company. I asked for proof and it was never received and I have lived in Texas for the last 10 years of my life
Product: Credit reporting or other personal consumer reports

Time 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 to comply 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 fail 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 XXXXXX/XX/year>
Product: Debt collection

CREDITACPT # XXXX Opened XX/XX/year> balance of {$6400.00} 1.I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative.

2. I disput the missed payments and the late payments on this account please provide statements and records of all payments made and missed since i opened account.
Product: Mortgage

My name is XXXX XXXX XXXX XXXX. am a XXXX and also XXXX at the XXXX for the Department of Defense. I am retired XXXX from the XXXX. Six years ago we asked Bank of America and XXXX XXXX to help us secure a loan so that we could finance XXXX XXXX to help with the Affordable Care Act. Both banks denied us a loan several times over the past six years. We asked for a loan from these XXXX banks because we have had accounts with them for many years and the B of A held the mortgage for our home. Now the Bank of America without our knowledge sold the mortgage to XXXX. In 2014 Bank of America lost the legal case they had with Department Justice, so in return they offered us a re modification on our loan. They broke the law again by hiding our monthly payments so that we could be considered late. We have paid our mortgages every month. They put this misinformation on our credit report. Secondly they put a lien on our house, which is a subordinate loan. We would hope that you would tell our story when talking about breaking up the Banks. 

XXXX XXXX XXXX XXXX.
Product: Debt collection

I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt. 

The details of the debt on my credit report are as follows : Account number : XXXX Address Identification Number : XXXX Inquiry made on : XXXX/XXXX/2014 Company Name : MRS BPO Original Creditor : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with address appearing on my file that do not belong to me! the following addresses are no mine please delete ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX