23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan is serviced by PHH and they claim it is {$9900.00} past due ... .13 payments of {$810.00} regular payments. They claim the P & I = {$450.00} and {$370.00} escrow per payment. They claim that a modification was offered in XXXX but do not have a payment plan amount on the record. These acts are a clear violation of CFPB and RESPA law. They also do not a have full payment history or any accounting records relating to the mortgage loan. They claim that the payment plan for {$1700.00} per month was set on a temporary basis, but have no explanation mathematical breakdown or the long term goals of the payment plan. PHH claims the principal balance is {$140000.00} with a maturity date XX/XX/XXXX The original loan amount {$140000.00} and the debt was paid down to {$100000.00} in XXXX. There is absolutely no way the balance on this loan could have accelerated to a {$140000.00}. PHH claims a shared appreciation modification or " SAM '' modification was executed with a {$830.00} waiver. There is absolutely no net tangible benefit this this deal. PHH has assigned a foreclosure sale date XX/XX/XXXX through XXXX aXXXX XXXX. PHH has refused to offer mediation through IN 32.30-10.5, which is a violation of IN State law. Overall, the RESPA, CFPB and HUD violations run wild on this case. sent out.
Product: Credit reporting or other personal consumer reports

Account # XXXX I am writing to formally dispute the charge-off status that your agency has reported to my credit file, specifically regarding account number [ Account Number ]. This dispute is based on violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802 and 15 USC 6801, which outline responsibilities for accurate reporting and consumer rights.

According to 15 USC 6801, consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information they report. It is my contention that the charge-off reported on my credit report does not accurately reflect the status of the account in question.

Furthermore, under 15 USC 6802, consumer reporting agencies must investigate disputes promptly and ensure that any information found to be inaccurate, incomplete, or unverifiable is promptly deleted or corrected. 

This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account.

Additionally, I wish to point out that in the event of a charge-off, I should have received a Form 1099-C ( Cancellation of Debt ) from the original creditor, since the amount is over {$600.00}, which I have not received to date. The issuance of a 1099-C is required by the Internal Revenue Service ( IRS ) for canceled debts exceeding {$600.00}, and its absence raises concerns about the accuracy of the charge-off status reported by your agency.

I request that you conduct a thorough investigation into the accuracy of the charge-off status of the account. Please provide the following information : 1. Validation of the charge-off, including documentation showing the date of charge-off, the original creditors information, and any supporting details.

2. Evidence that the charge-off was reported accurately and within the timeframe allowed by law.

3. Documentation proving that the reporting complies with the Metro 2 format guidelines. 

4. Confirmation of whether a 1099-C was issued for this charge-off and, if so, the date of issuance and the amount reported.

Until this matter is investigated and resolved in accordance with the FCRA, I request that you remove the charge-off from my credit report. Additionally, please confirm in writing that this dispute has been received and is being investigated.

Please provide a written response within 30 days of receipt of this letter. Failure to comply with these requests will leave me no choice but to pursue legal remedies available to me under federal law. 



Sincerely XXXX XXXX
Product: Mortgage

My city sent me a legal notice stating my taxes were delinquent and there would be a tax sale. When I contacted the city they stated my taxes had not been paid all year. I contacted the mortgage company and they started there research XX/XX/XXXX. I called back two weeks later they stated a resolution date of XX/XX/XXXX. I called XX/XX/XXXX they said to call back XX/XX/XXXX. Today is XX/XX/XXXX I called the city and they said they have still not received any payments and no one has been in contact with them.
Product: Debt collection

The company I.C. SYSTEM, INC placed a negative mark on my credit report about the following account which I do not know the debt. the information is as follows : XX/XX/, I.C. SYSTEM, INC {$330.00} account number : XXXX I was never contacted via mail, phone, or email according to the Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 which did not allow me to ask that the debt be validated. So, the debt has not been validated.
Product: Debt collection

ON XX/XX/2019 an associate from portfolio recovery called me about a debt that is over the statute of limitations in Texas. The associate told me that due to the age of the debt that they could not sue me but they continue to call harassing me after I told them to stop.ON XX/XX/2019 - someone from portfolio recovery called again and repeated the same information as the day before On XX/XX/2019- an associated called again and I ignored the callON XX/XX/2019 an associate called again once again I did not answerON XX/XX/2019 another called that I declinedON XX/XX/2019 another call that I declined Portfolio Recovery has been harassing me for about two consecutive months and I want it to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to log onto Experian 's website using my existing password, which was correct. Experian told me that the password was incorrect, which was not the case. I attempted multiple times to change my password. However, Experian won't let me finish the process of changing it. It appears that Experian is redirecting me from the page to reset a password to the page for creating a password for a new account, which might be the cause of the problem.
Product: Credit reporting or other personal consumer reports

i have been recently trying to dispute collections XXXX as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and the rest of the negative balances, i firmly believe that i am an victim of identity theft and would need futher help. i requested for XXXX, equifax or XXXX to remove because it wasnt my authorization and also i never had a contracts with the collections or gave pro-mission at any time .. and that it is a violation and against the law.
Product: Credit reporting or other personal consumer reports

I have sent two letters to Equifax to remove a 2015 Bankruptcy because the information is incorrect. Equifax has refused to remove this item from my credit report and has not sent me any information as to how they continue to keep this item on my credit report.
Product: Vehicle loan or lease

On XXXX, I visited Mercedes-Benz of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX for the first time to test drive a vehicle. During this visit, the dealership provided me with a financing application to complete and sign. 

On XXXX, I returned to the dealership to ask questions about the application process. During this visit, I explained my rights under 15 U.S. Code 1605, which pertains to the disclosure of finance charges under the Truth in Lending Act ( TILA ). However, one of the salespeople, XXXX, dismissed my explanation and claimed that I had " made these laws up. '' This dismissive and unprofessional behavior left me feeling humiliated and disrespected. 

On XXXXXXXX I visited the dealership for the third time, at which point I was informed that my loan application had been denied. However, the dealership failed to : Provide a written adverse action notice as required under the Equal Credit Opportunity Act ( ECOA ), explaining the reason for the denial or how I could obtain further details. 
Disclose the name and contact information of the financial institution or lender that reviewed my application. 

Return my original application, which they retained without justification, providing only a copy instead. 

Provide a clear explanation for retaining my security collateral, which remains in their possession without any supporting documentation or reason. 

Additionally, during my visit on XX/XX/XXXX, the finance manager informed me that I would need to put down a " massive down payment '' in order to secure financing. This statement conflicts with 15 U.S. Code 1605, which explicitly states that no cash down payment should be included in the disclosed finance charges under the Truth in Lending Act. This suggestion was both misleading and contrary to federal law, further emphasizing the dealerships lack of transparency and disregard for consumer protection statutes. 

The lack of professionalism, dismissive behavior, and failure to comply with federal lawsincluding TILA, ECOA, and other applicable consumer protection statutesraises serious concerns. I felt humiliated and disrespected throughout this process, particularly when referencing my legal rights under established federal laws. Moreover, I believe that I may have been treated unfairly and potentially discriminated against, as the dealership 's actions and lack of communication were both unprofessional and seemingly prejudicial.
Product: Debt collection

XXXX XXXX turned account to Bull City Financial before my Insurance co. settled account. I paid account in full nearly 2 years ago. {$62.00}. I contacted XXXX XXXX 3 times about attempts from Bull City for collection. They stated the would rectify account to remove from my credit report. I tried contacting Bull City ... ..no response and still showing on my credit report despite being paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint on Experian because they have continuously refused to correct my credit report. By reporting charge-off and closed accounts as opened accounts. Reporting accounts that have been sold and closed as still opened and 120 days late. Also, Experian deliberately change my high balance on my credit cards to make it seem higher than my credit limit, which made my utilization extremely high on my credit cards ; even though I never disputed those accounts. All of these inaccuracies have caused my credit score dropped 103 points in ( 1 ) month.
Product: Mortgage

My wife and I were rejected for a Home Equity Line of credit despite the fact that we have over seven million dollars in net assets and credit scores of XXXX. We believe we were rejected because of our age - we are both over XXXX.
Product: Debt collection

Called USAA earlier today, XX/XX/XXXX, to explain that I had been laid off work due to COVID-19. I have an automated draft of {$350.00} that should post in two days and wanted to know what financial options were offered, because the funds are NOT currently available in my account. I was told that I do not qualify for anything because they need at least four days notice to stop automated drafts. I was also informed that if I do not pay amount due in 15days a late fee will be charged and if after 30 days that I would be reported to the credit bureau. The representative placed me on hold to consult with a higher official. Unfortunately, the results were the same. No postponement or waiver of late fees after the standard fifteen day grace period, EVEN WITH COVID-19 situation!!

I will never again sign for automated drafts with this institution!!! It turns into a curse!!
Product: Mortgage

In XXXX of XXXX I purchased my home and BMO Harris over estimate my tax escrow amount by {$700.00}. I paid my the total amount due for my XX/XX/XXXX property taxes to the taxing authority in XX/XX/XXXX. They have since paid my XX/XX/XXXX installment and have yet to refund the escrow overage back to me. During the month of XXXX I've reached out to them by phone times and spoke to a rep, and I went into a branch and spoke with them face to face. In XXXX I spoke with another rep over the phone and ach time they took my information down and advised that some one would be in contact with me.Yesterday I called the branch that I went into in XXXX and ask for the branch manager. He wasn't available and a left him a voicemail to which he hasn't yet responded.As of today, I'm still waiting for the escrow refund and for my month payment adjust accordingly.
Product: Credit reporting or other personal consumer reports

EQUIFAX froze my account I cant retrieve my score for my loan officer I need my account fixed as soon as possible
Product: Credit card or prepaid card

This issue began as of the closing XX/XX/19 with a payment due date of XX/XX/19 in which the annual membership fee was displayed under fees of {$190.00}. There were XXXX purchases that posted on account XX/XX/19 and an automatic payment charged to the American Express on XX/XX/19. ( I had forgotten about the latter ) I immediately contacted the merchant which charged {$20.00} monthly and switched to a different credit card. I also contacted American Express customer service to make sure the account was cancelled. I wanted to avoid the annual fee since I possessed other cards with no member fees. 

I contacted the company at least five times since then. They state when they receive the complaint that they will investigate and provide with temporary credit. They have also credited me with {$150.00}. Although, continue to charge the annual fee with late fees of {$40.00} each month. I have asked for a waiver or even a pro rated fee. Being that I informed them I wanted to cancel the card as soon as I realized that there was a fee. I suggest the fee be more conspicuous or highlighted in some way.. 

At this time I show a balance of almost {$500.00}. This debt has effected my credit reporting and score negatively, as well as increased rates on mortgage loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX  - I requested a credit increase on a credit card from US Bank, and it was never disclosed by the US Bank representative that there would be a credit inquiry. I did not authorize the a credit inquiry by US Bank. 

XX/XX/2018 - I spoke to a US Bank supervisor ( XXXX XXXX ) that went back and listened to the call and confirmed that the US Bank representative did not disclose the credit inquiry and in turn did not authorize the credit inquiry by US Bank. I was told that I would have to fax a Credit Dispute to US Bank with the information and that it would be removed. 


XX/XX/2018 - I followed up with US Bank and spoke to a US Bank supervisor ( XXXX XXXX ), and she said nothing can be done. 
US Bank is not appropriately responding or taking action to my request. I just want US Bank to delete the credit inquiry. As it is having a negative effect on my loan applications and my acquisition of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2019, I received an email alert from " XXXX XXXX '' informing that my credit score had dropped. I checked my credit report and it showed up a " delinquent account '' on my credit card ending on XXXX, from Barclays, for the amount of {$99.00}. 
I don't use this credit card for almost a year, but then I checked to see what had happened, an then it showed an amount owned due to an annual fee. Fee has already been paid, then I called Barclays to see if they could confirm the payment and remove this information from credit report. 
They refused to help and informed me that my only alternative was to contact the credit bureaus and open a dispute. 
I've had this credit card a while but havent been using it. Never received a letter or a single phone call from them, informing of any past due annual fee. There was no annual fee before, I just realized that they were allowed to charge this fee after a certain period of time, but that was not clear to me before and like I said, I did not receive not even one phone call or message from them informing about a past due fee. the payment was provided, I just want them to remove the incorrect information from my credit report. Main issues that I see : 1. Information about the fee was not clearly disclosed to me ( if there was a fee, when they exactly would start charging it ) since there was no annual fee before 2. Never received a letter/email/phone call about the fee. 3. Not one single notice via email/phone call or written letter about a past due fee before they would just send my information to the credit bureaus
Product: Debt collection

COMPANIES IN QUESTION : GOLDEN 1 / XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX formal complaint/goodwill request that you are reporting inaccurate information due to data furnishing error AND neglect of proper plicy and procedure with my private information, causing financial harm. I, the consumer, have provided proof of the alleged debt parked on my consumer report with the account information listed, company is also in VIOLATION with the FCRA for non-response in a 30 day time period. 
Citing 15 USC 1681c-2, we call for the REMOVAL AND DELETION of said parked alleged DEBT, and are in VIOLATION to my consumer rights. 
It is to I, the consumers knowledge, did in fact, PAY FOR ACCOUNT TO BE SETTLED AND CLOSED. Accounts remain open, and are dangerous to, not only my consumer report, but the rights, laws and financial fairness owed to me, by LAW. 
CREDITOR ALLOWED I, THE CONSUMER, TO PAY AN AGREED SETTLEMENT, AND CONTINUING TO PARK ALLEGED DEBT ON REPORT, RESULTING IN DROP IN CONSUMER SCORE
Product: Credit reporting, credit repair services, or other personal consumer reports

we paid the deposit with a money order when they delivered washer n dryer. we also paid the following 5 months of payments. they r stating lies. they have fraugitly reported this infoo to XXXX, XXXX and experian.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My birth name which is : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

Credit Collect Services , Inc. on my credit report. I am formally requesting debt validation under 12 1006.34 ( b ) ( 5 ). Despite this request, Credit Collect Services , Inc. Proceeded to place this collection on my credit report without providing me with the opportunity to dispute the account as stipulated by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). 
Furthermore, I am requesting the purchase agreement between the original creditor and Credit Collect Services , Inc the original creditor to verify the legitimacy of their claim. It is essential for me to review this agreement to understand the basis upon which Credit Collection Services is attention Credit Collect Services, is attempting to collect a debt.

In addition to the purchase agreement, I am also requesting proof that Credit Collection Services is licensed and bonded. It is crucial to ensure that they are operating within the bounds of the law and possess the necessary credentials to engage in debt collection activities.

Moreover, I assert that Credit Collect Services , Inc. is violation of my consumer rights by utilizing false and misleading information in their collection efforts. The collection agency lacks authority to furnish any account to a consumer reporting agency without providing the necessary disclosures mandated by law. This action is in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2 ( 7 ) ( A ).

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action to ensure that Credit Collect Services , Inc. lies with all relevant regulations and statutes governing debt collection practices. Additionally, I request that the collection account be removed from my credit report until such time as it has been properly validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I spoke with reps from XXXX and XXXX concerning a Wells Fargo Account ( account # ending in XXXX ) on my credit profiles. They both confirmed that the information attached is what is reported directly from Wells Fargo. Even earlier today I received a PDF from a Wells Fargo employee named XXXX XXXX claiming that Wells Fargo is reporting this info accurately to the bureaus. This is a lie. I've attached what Wells Fargo is reporting which is 2 different sets of information. This was confirmed by reps at XXXX and XXXX. Wells Fargo is in a direct violation of the FCRA. This is very evident.