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

Greetings. 

I addressed the consumer protection laws and expressed the U..S.CODES that violates my consumer 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

You Bridgecrst are knowingly violating my consumer rights and these late payments ( I made payment arrangements for and was assured would not report to my consumer report ), shows lack of integrity on your part. Your response does not address the consumer laws I have sited. 
Additionally I have learned that down payments are actually illegal and premium insurance should have been added to my purchase by you at the time of my purchase. 
If you do not delete the late payments immediately, I will be forced to seek remedy for all the violations and damages your reporting has cause me- the consumer. 
Regards, XXXX XXXX
Product: Mortgage

To whom it may Concern, Please please HELP. My mortgage was sold to STATE BRIDGE MORTGAGE  in XX/XX/XXXX. Its been nothing but FRAUDULENT activity on my account. I noticed my payments were going up every year, remind you I was with XXXX for 7 years and my payments never increased. I requested all my. ESCROW Analysis since XXXX and this company have been overcharging my escrow account. The numbers Not adding up. By LAW I am required to keep a certain amount reserved. They have OVERCHARGED my account since XXXX. I should have been paying around XXXX a month for XXXX, yet they said my payment was {$1000.00} I paid for that year. XXXX my taxes and insurance was cheaper my payments were supposed to be {$950.00} and yet this company said its {$1000.00} every years its an XXXX Shortage in my mortgage. I added up my insurance and taxes and my Fiquers is still less. Same thing in XXXX. I just noticed when my insurance company contacted me about an overage check I never received. This company has so many. Complaints on XXXX. I have been sending my payments and do not want deposit it. I refuse to keep paying my mortgage until Im sure of the correct amount. This company doesnt answers phones, dont return call. You can never speak with the ESCROW department everything has to be email or faxed. Then they sit on it or throw away.. I need answers ASAP. This company owes my money from XXXX til now for over payments. I have requested information more than 10 times Im only getting the run arounds. Its not Fair what this company is Doing to us paying CONSUMERS. Its ILLEGAL, I cant afford a lawyer, I wish I could because this has stressed me out and is affecting my health. I cant believe these crooks / liars. I dont think this company is legit. It sounds as though they operate from they houses. Definitely unprofessional, rude, Thiief and Liars. Please please someone please help!!! This Company should not be In business. I work to hard for this Company to be overcharging my ESCROW to make my payments higher and pocket the money, Im not sure whats going on. I have copies of my Escrow Statements and after reading all the other complaints about this Company and Escrow problems. I Am not alone. I will also file a complaint with HUD. This is Unacceptable and Illegal. I have also requested my PMI be removed. They will not respond. 
My name is XXXX XXXX, best contact is email : XXXX Company is StateBridge Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX My loan number is ; XXXX
Product: Credit reporting or other personal consumer reports

I am letting you know, respectfully that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you will fix the situation. Here is the wrong info : Account Name : XXXX  XXXX, IN This account is reporting late on my credit report and I was never late with this account. The account is very inaccurate. It is also reporting being late on months that are not even on or matching the other reports. 

I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that Im trying to apply for because it is lowering my credit score big time. I have already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can not be reported. 

I take this very seriously and I would appreciate it if you remove the late payment mark off this account as soon as possible.
Product: Credit reporting or other personal consumer reports

I had four accounts I owed money on through affirm those accounts were sent to collection agencies two accounts were sent to XXXX XXXX and two accounts were sent to a different collection agency called XXXX I believe. I called both agencies and I paid off all my past debt from affirm. I agreed and paid a settlement on XXXX of the accounts and I paid one in full which means I closed all four accounts. I have my receipts in my email and Ive told affirm this and even sent my receipts to them but they keep saying I owe {$51.00} on XXXX accounts which I absolutely do not. So they tell me I have to call the collection office, so I do and they say our records indicate that your accounts are closed/paid and they proceed to tell me the error is on affirms end. this has been back and forth for months now with no real answers or results, I have repeatedly reached out to affirm for answers and the only response I get is I have to call the collection agency which I have done multiple times and they tell me there is nothing they can do on their end because their records indicate everything is fine and they said theyve already relayed this information to affirm and on top of all that theyve sent me my receipts for confirmation of the transactions. so at this point I dont know what else to do
Product: Credit reporting

I have disputed several inquiries many times with Equifax and they refuse to investigate these fraudulent inquiries. I have contacted all creditors directly and they have referred me to Equifax. These were not authorized. 

XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 I am requesting information on how Equifax conducted their investigation into my previous dispute ( s ).
Product: Debt collection

I received a letter from Altitude Community Law P.C . stating they are a debt collector attempting to collect a debt for XXXX XXXX XXXX XXXX. The notice does not include anything to indicate why I owe the money just a line indicating the amount I owe in total, a line expressing that I have been charged a fee, and a line indicating what I owed on XX/XX/2024. There is not even a indication of what the fee amount is for. The letter then directs me on how to file a dispute but provide no information on what this debt is for or why I am being contacted. I have received no letter indicating that I am in jeopardy of debt collection from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Chapter XXXX Bankruptcy discharged XXXX XXXX, 2016. On XXXX XXXX, 2016 the original creditor sold the account to XXXX XXXX XXXX and it was placed on my credit reports with both XXXX  and Equifax. On XXXX XXXX, 2016 XXXX additional collection accounts were placed on my credit report from XXXX XXXX. Instead of viewing the information and determining the accounts were from original creditors who were included in the bankruptcy and not adding it to the file, they were added as new collection accounts with comments stating they were included in bankruptcy on XXXX and listed as closed accounts on Equifax. They should have never been added because the debts with the original creditors was discharged.
Product: Credit card or prepaid card

I received an approved credit card number ( not a card ) with a {$4000.00} line of credit in my name in the mail today from a company called Genisis FS Card Services headquartered in XXXX, OR. I called and spoke with their fraud department. The first thing they requested was my social security number. I said no. I offered instead the credit card number they assigned in my name. They were not interested and said I would have to contact the FTC and file an affidavit They would respond to that in about 60 days. I feel this was a phishing expedition.
Product: Credit reporting or other personal consumer reports

Subject : **Complaint Regarding FCRA Violations Unauthorized Reporting of Negative Items** Dear CFPB, I am writing to file a formal complaint regarding ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX, EQUIFAX, XXXX For over [ 4/5 ] years, I have been disputing the following negative items inaccurately reported on my consumer report : Account Name/Number 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 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 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 These negative items were reported without proper verification or notice, which constitutes a clear violation of my rights under the FCRA. Specifically : 1. **Failure to Provide Notice** : The creditor failed to provide me with the required notice of adverse action as mandated by Section 615 ( a ) of the FCRA before reporting negative information to the credit bureaus.

2. **Lack of Proper Investigation** : Despite my repeated disputes over the past several years, the credit reporting agency has not conducted a proper investigation or corrected the inaccurate information, violating Section 611 ( a ) of the FCRA.

3. **Privacy Violation** : My privacy rights were violated as my personal information was shared without my explicit consent, contrary to Section 604 of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed two inquiries on my report within a matter of a week on Equifax. I have reached out and disputed those inquiries and was told to file an FTC Report. The FTC site brought me to this page and therefore I expect this matter to be resolved.
Product: Debt collection

On XX/XX/2023 I reached out to XXXX XXXX XXXX to settle a collection. I then ask for verification of this account and the company could not provided me with proof of this account being mine. Also the address is not up to date and I never agreed to anything with this company. They have me owing XXXX I would like this account removed from my credit profile from all three Bureaus.
Product: Debt collection

This company has post XXXX collection accounts to my credit report and I have not received any written notice or correspondence, which violents my right and timeframe allowed to dispute validity of the debt in question.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


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

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX : Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G-VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS PORTFOLIO Account Number : XXXX-* Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, tracking number XXXX certified letter 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eviction on report was taken to court and dismissed. Incorrect dates, and Incorrect amounts. The motion was dismissed and court costs have been paid. They continue to add interest when legally they shouldn't. XXXX XXXX removed. XXXX will not.
Product: Debt collection

I HAVE NO KNOWLEDGE OF THIS COMPANY AND WANT THEM OFF MY CREDIT REPORT .I HAVE NO LEGAL CONTRACT WITH THIS COMPANY AND I WOULD LIKE THEM REMOVED FROM ALL MY REPORTS.I AM A THIRD SO I 'M THINKING THIS ACCOUNT HAS BEEN PLACED ON MY ACCOUNT IN ERROR BECAUSE MY BROTHER RECALL HAVING A XXXX ACCOUNT WHOM HAVE SAME NAME.
Product: Credit card or prepaid card

This complaint is with the Military Star Card. This organization services only Military Families. We made a purchase through the Military Star Card at ShopMyExchange.com for a bed that cost us {$4500.00}. The bed did not suit us and we requested a pick up and refund within the exchange guidelines. This process by itself took a long time. The Bed was picked up on XX/XX/XXXX. We were not able to request a check to be sent to us because it was in " Possessing ''. Finally ( 4 weeks of processing time later ) on XX/XX/XXXX, we were able to request the credit as it was transferred back to our Military Star Card. I was told that it would take about 7 business days to get to us. I called today ( XX/XX/XXXX ) and was told that the check was sent out for approval on XXXX and that it was sent out on XX/XX/XXXX. We are now on our 7th week since that bed was picked up from our home and 2nd week since it was credited back to our card and I do not have my money. 

Dealing with this company, it is apparent that they are not equipped to manage finances for anyone much less our Military Community.  There is a severe lack of accountability, knowledge, and professionalism. Every time I have called, I have been told that they need to submit some form DD ... and require 48-72 hours to respond. Of course, they never do. I call back, request the same information and am told that they need to submit another DD ... form and get back to me in 48-72 hours. 

I want what is mine, my {$4500.00} that is siting in my account as a negative balance.
Product: Checking or savings account

I received a string of emails on XX/XX/22 that indicated that I applied for and was approved for a Bank of America XXXX XXXX Banking Account Confirmation number : XXXX. 

I did not apply for or approve this account On XX/XX/22, I spoke with the Check Fraud department at Bank of America that stated that I was a victim of identity theft. An account was successfully opened in my name and they would close the account and send my emails and paperwork in the mail to confirm. They were VERY helpful. They also advise my to place a freeze on my credit with all XXXX credit reporting companies and to file a claim with the FTC.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX - Account XXXX XXXX XXXX, XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX - Account XXXX XXXX  - Account XXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX XXXX - Account XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2018, I inquired about paying off my loan. I was quoted {$630.00}. on Today, XX/XX/2018 I called to pay off loan again and was quoted XXXX because the payment could not be processed until tomorrow. I was told to contact them three days in advance which I thought I was doing. After finally asking for a manager and getting approved to pay off loan today for XXXX. i was than told they needed to verify my new bank account by calling my bank. Each time they placed me on hold for over 10mins and drop the call after and called back to say they still are trying please hold. I informed them I would be reporting this and for them to please process payment. I talked with XXXX who agreed to pay off and than to XXXX to process and he informed me of bank verification process. Finally I talked with XXXX who informed everything was ok and they will process. 

After an hour I received a voicemail message from XXXX again stating they now can not process my payment without bank verification. All I want is to pay off my loan.
Product: Mortgage

In XXXX of XXXX we experienced a hardship due to career changes and medical emergencies. All steps and processes were taken on our part as the mortgage holder to avoid any delinquency and receive assistance. We were given a letter in writing stating that with payment of agreed amount the mortgage would be placed back in good standing and outstanding balance would be added to maturation of the mortgage. The amount was paid ( confirmation number and letter provided ). Citizens bank did not follow through will processing and applying the agreed upon payment to enter contract. We as mortgage holders were still left responsible even though Citizens bank was negligent in the process. Citizens did not send any correspondence regarding this. When called in XX/XX/XXXX to make another payment we as mortgage holders were surprised to find account in default as the contract was supposed to be set after requested payment. The payment was placed in a Suspension account and not returned or applied to any balances after several requests. We as mortgage holders called Citizens bank more than 3 dozen times between XX/XX/XXXX and XX/XX/XXXX to attempt to receive assistance to avoid any additional delinquency. Citizen bank continuously forwarded calls and refused to answer questions, often dodging all concerns and passing responsibility on to other representatives. We as mortgage holders asked a multitude of times to schedule an appointment to discuss, at which we were told it is not allowed. In XXXX of XXXX we were told several times we had been approved for another modification and to enter contract we must pay agreed upon amount by XX/XX/XXXX. The payment was made, confirmation number and correspondence provided. On XX/XX/XXXX we called to receive additional confirmation that we had correctly entered a modification trial. At this time we were told the payment was not applied to a trial period and that it was yet again in a suspension account. We were told the amount can not be applied to any outstanding balances as our mortgage continued to accrue interest even though we were following contract terms. Again, we were verbally told we can enter a trial period in XXXX of XXXX with an additional payment. Our credit has been negatively impacted by the negligence of Citizens bank and our home is facing foreclosure at no fault of us as the mortgage holders. We have taken every and all appropriate steps and are still being treated unfairly and unethically. This will be the third time we have receive incorrect information and the third time Citizens bank has breached a contract bound by a monetary agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX