23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT ACCOUNT XXXX. 
ORIGINAL CREDITOR : XXXX Dear XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting " Proper Validation and Proof of Claim '' as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identity me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX
Product: Debt collection

Please refer to the following statute, I am a granter of the MERS-HELOC DOT, NOTE and reside at the residential property XXXX XXXXXXXX XXXX  XXXX NV XXXX referred to in the DOT and NOTE. 

XXXXRequest by grantor of deed of trust for certified copy of note, deed of trust and assignments. 

1.A grantor of a deed of trust may submit a written request to the servicer of the deed of trust for a certified copy of the note, the deed of trust and all assignments of the note and deed of trust if : ( a ) The real property subject to the deed of trust is a single-family dwelling ; ( b ) The grantor is the owner of record of the real property ; ( c ) The grantor currently occupies the real property as his or her principal residence; and ( d ) The servicer or beneficiary of the deed of trust is a banking or financial institution or any other business entity that is licensed, registered or otherwise authorized to do business in this State. 

2.Not more than 10 days after receipt of a written request pursuant to subsection 1, the servicer of the deed of trust shall provide to the grantor the identity, address and any other contact information of the current owner or assignee of the note and deed of trust.

3.If the servicer of the deed of trust does not provide a certified copy of each document requested pursuant to subsection 1 within 30 days after receipt of the request, or if the documents provided by the servicer indicate that the beneficiary of the deed of trust does not have a recorded interest in or lien on the real property which is subject to the deed of trust : ( a ) The grantor of the deed of trust may report the servicer and the beneficiary of the deed of trust to the Division of Mortgage Lending or the Division of Financial Institutions of the Department of Business and Industry , whichever is appropriate ; and ( b ) The appropriate division may take whatever actions it deems necessary and proper, including, without limitation, enforcing any applicable laws or regulations or adopting any additional regulations. 

4.As used in this section, banking or financial institution has the meaning ascribed to it in XXXX XXXX XXXX Please fulfill my request for the documents as mentioned in section 1 & 2 of the statute XXXX XXXX XXXX. Thank you
Product: Mortgage

Specialized Loan Servicing has once again failed to properly apply a mortgage payment. In this case, the payment is the final payoff payment on the mortgage. The payment was due XXXX. I was unable to make the payment online as I had always been able to do. So, I learned I needed to request a payoff statement. I requested the payoff statement on XXXX. I received the payoff statement on XXXX. I mailed the required cashiers check in the amount of the payoff amount on XXXX. Specialized Loan Servicing received the cashiers check of {$970.00} on XXXX. The cashiers check cleared XXXX XXXX Bank on XXXX. Specialized Loan Servicing has since mailed several requests for payment of this amount and called me several times for payment even though they had received and deposited the cashiers check. I spoke with someone at Specialized Loan Servicing who found that the payment had been made, and who said that Specialized Loan Servicing would be filing a Satisfaction of Mortgage with the XXXX XXXX XXXX XXXX XXXX. 

Specialized Loan Servicing has failed to file a Satisfaction of Mortgage with the XXXX XXXX XXXX XXXX XXXX Specialized Loan Servicing has reported this mortgage payoff payment as over 30 days late to the XXXX XXXX XXXX. 

My XXXX XXXX of XXXX with XXXX has dropped dramatically to XXXX. I am not aware of what my credit scores are with the other XXXX XXXX XXXX. 

My online account with Specialized Loan Servicing still does not show that this payment has been made.
Product: Student loan

Aidvantage said I had to recertify my income before it was necessary. They said I needed to recertify by XX/XX/XXXX but according to information from the Federal Student Aid Website the earliest that I would need to recertify is XX/XX/XXXX. This in turn will cost me about {$2500.00} in payment that I did not need to pay. Additionally, information on their website should be factually correct instead of deceptive in nature. Please see the attached documents for the conflicting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XX/XX/23 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$29.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$29.00} XXXX XXXXXXXX Balance : {$740.00} XXXX  XXXX Balance : {$720.00} XXXX XXXX Balance : {$1800.00}
Product: Debt collection

This is a complaint about Discover 's payment policy. Discover allowed a thief to make false payments that then bounced in order to exceed credit limit when I was not aware card had been stolen. Discover 's inefficiencies do not allow for payments to be held until the amount has cleared the bank. Multiple payments were made in a very short period and Discover did nothing to stop the thief. Discover controls the payment policies, not the consumer and should not be liable. Discover responded that my concerns were forwarded to leadership in the appropriate area. That doesn't benefit me after Discover 's payment policy created the damage. And then I was asked to " please contact Customer Assistance and Recovery department at XXXX XXXX XXXX XXXX to discuss repayment arrangements. '' I am sure that is to pay in full due to Discover 's inefficient payment policies in the year 2020.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with ( CREDITOR NAME ) 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 paymen t reported in 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 XXXX  days before the payment due date. 


XXXX 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 XXXX  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: Debt collection

This is from XXXX XXXX XXXX. I terminated service via their customer service by phone XX/XX/2021. I asked device disconnect before the next billing cycle. I had no idea they continued to bill me until now. I was within the deadline to discontine service because they provided the date. Because this was done awhile ago and by phone I did not write down the customer service person or dates. I do have concern about this done I did take steps to stop services or noticed my request was ignored and sent to a collections
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXXXXXX XXXX {$9400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$8400.00} Date Opened XX/XX/XXXX XXXX XXXX  {$38.00} XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX
Product: Mortgage

I received in the mail for my mortgage provider for Mr Cooper that they're selling my loan on XX/XX/2023 to XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX I looked this provider up on the XXXX XXXX XXXX and they are a d plus rating they're almost an F rating I have found almost XXXX reviews from the same people that this is happening to that this company is doing illegal things with mortgages they have a lawsuit against them and XXXX people want to start a class action lawsuit against them for misappropriation of funds from their mortgages that are not being treated fairly for a mortgage provider should be applying their loans fairly and without fees losing payments not allowing insurance payments to be paid properly to your escrow I do not know why Mr Cooper when I have a 100 % never have missed a payment a good loan I pay my payment before it's due I have a perfect credit rating would sell my mortgage to an F rating company that's doing illegal things the FTC needs to investigate XXXX XXXX XXXX XXXX XXXX because there's XXXX people can't be wrong every single one of them have gave them a XXXX review from from XXXX to XXXX they get a minus XXXX there's something going wrong here with XXXX XXXX XXXX XXXX XXXX its successors and are assigns XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it also has the correspondent address of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a payment address for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX in XXXX XXXX XXXXXXXX there's not even a street address these are XXXX XXXX XXXX and I'm not sure why Mr Cooper would do such an a terrible thing here Mr Cooper 's is www.mrcooper.com and their address is XXXX XXXX XXXX and XXXX XXXX XXXX in XXXXXXXX XXXX the FCC needs to investigate this XXXX people can't be wrong and I'm not going to sit back and wait for somebody to XXXX me over please investigate this and let me know what you find
Product: Vehicle loan or lease

Im not sure whats going on or who this company is. I sent a cease and desist dated XX/XX/2022 requesting verification of this alleged loan and the company never followed my instructions, only sent a copy of a contract that they are not listed in. By law they had 30 days to provide me that information or to cease all collection activities, which includes reporting information to the credit reporting agencies. They have continued to violate my privacy by reporting and have neglected my concerns as a federally protected consumer. I called and no one is able to explain why Bridgecrest is not on a contract they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2016 I was victim of a stolen car that was financed through GM Financial. My insurance company later deemed the car as a total loss and paid GM Financial about {$24000.00} around XX/XX/2016. There was still a balance of between 2-3 thousand remaining on the contract. Being that GM Financial received a payment from my insurance company around XX/XX/2016 I  assumed that this payment would cover my XX/XX/XXXX regular installment payment and that I was safe  until my Gap insurance company concluded their part in paying the remaining balance. I received a call from GM Financial in the later month of XX/XX/XXXX making me aware that I was past due on this account and that I needed to make a payment, therefore soon after I made a payment of the balance owed and the next month 's balance until the GAP insurance payed off the rest. GM Financial dinged my credit report as being past due 30-60 days due to a miscommunication between me and their CSR. I am not sure how the payment was 30-60 days past due when it was only the month of XX/XX/XXXXpayment missed and I made a payment in XX/XX/XXXXfor the month of ( XX/XX/XXXX & XX/XX/XXXX ) once notified by the CSR. Prior to this incident I have never been late on a car payment with GM Financial. Due to the misunderstanding of me thinking that the insurance payment would be applied in the same manner as a regular payment coming from me I thought that it covered my regular payment as well. I have tried contacting GM Financial through many different channels to get this issue resolved. I am not asking for information to be deleted due to willful neglect, I am asking GM Financial to also see this issue from a customers perspective and also note that it is partially the fault of lack of proper communication that made this issue occur. 
XXXX  XXXX XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

I was apart of the Department of Education 's lawsuit XXXX XXXX XXXX and as a result, several of my student loans were dismissed. However, the Department of Education and NelNet continue to report the closed accounts on my credit report. I have contacted both companies over XXXX times since XX/XX/XXXX and I am always told to give it 30 days and the older, closed accounts should not appear on my credit report. 

Here we are in XX/XX/XXXX, and several old closed accounts are still being reported. Since they are closed, they should be removed from my credit report!
Product: Debt collection

I sent in a debt validation letter and they sent me a letter with the California licence pending meaning there not required to collect debt by law it needs to be removed from my credit report
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report under 15 USC 16c-2 due to unauthorized hard inquiries. Please remove them immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. Despite my consistent efforts to report and rectify these unauthorized transactions, the issue persists, causing severe distress and financial hardship. 

I discovered unauthorized transactions on my account, signaling potential fraudulent activity. Since then, I have tirelessly contacted your customer service department on multiple occasions, submitted written requests, and provided all necessary documentation to support the investigation and removal of the fraudulent items. Unfortunately, despite these persistent efforts, the unauthorized transactions continue to adversely impact my account. 

Attached is a detailed timeline of my interactions with your institution, complete with reference numbers and specifics of each attempt made to address this matter. I implore you to thoroughly review this information and take immediate action to rectify the situation. 

The ongoing lack of resolution has left me in a precarious financial situation and emotional distress. As a victim of fraud, I expected a more expedited and efficient response from your institution to safeguard my account and address the unauthorized transactions promptly. 

I urgently request that your institution conducts a thorough investigation into the matter, removes the fraudulent items from my account, and implements measures to prevent any further unauthorized activity. Additionally, I seek clear communication on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and consider legal action to protect my rights as a customer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I observed on my credit report that there was a late reporting for XXXX XXXX forXX/XX/XXXX XX/XX/2018, I was never late on account and I sent a check and they stated they didn't receive so I made a payment with them then and there. This false inaccurate reporting is severely impacting my credit report.
Product: Credit card or prepaid card

I have repeatedly had fraud issues with this card. And, I have had identity theft issues. I have had this card for several years and requested that I get my invoices electronically. The card has a maximum limit of {$300.00}. I had set up to have my balance paid monthly. 

On XXXX XXXX, 2022, I called into the company inquiring about a payment from my checking account of {$290.00} ( remember the limit is {$300.00} ). I called in because I couldn't remember having spent almost {$300.00} with this card, I was told that my mailing address been changed to an apartment in XXXX, TX. I explained I have never lived there and I did not request a change of address. Concerned about almost {$300.00} in charges I could not remember I requested copies of my statements. With the unauthorized change of address I could not access my statements on line. On XXXX XXXX, 2022 I received several months of statements and discovered 12 unauthorized transactions prior to that month 's cut-off totaling {$290.00}, all made in XXXX, TX at a XXXX XXXX Store or XXXX and a XXXX in XXXX, TX. I registered my dispute over the phone. I sent a letter dated XXXX XXXX, 2022 by US Mail stating the facts and have never received an acknowledgement. 

I never got any paperwork from the bank. In the past when I have had disputes, every other bank has issued a provisional credit during the investigation period and required an affidavit as to the facts. Not this company. 

I have called back repeatedly to inquire. I was told the bank does not have a fraud department. On one of these calls, at XXXX XXXX, XX/XX/2022, I spoke with XXXX who identified himself as a Supervisor ( asked for by me ) I was told that my mailing address had been changed to an address in XXXX, MS. by a caller. I requested they put a hold on my account and investigate the fraudulent charges. I was told that I had to send a request to change my mailing address back to my real address with a copy of my Oklahoma DL and mail or fax it to them. On XX/XX/2022, I both mailed and faxed my change of address with DL to the Company. 

At present I have no confidence in this company and without a fraud department I don't know why they should be allowed to do business. I have been charged +- {$450.00} for charges I did not made. I want to get this money and then I want to cancel this credit card. This company is a nightmare to deal with. As of this writing, I have still not received any acknowledgements. 

I have not personally used this card since XXXX, 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate personal information on my credit report under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). Upon review, I noticed incorrect details associated with my profile, including : Incorrect Address These inaccuracies are not a reflection of my correct identity and should be deleted or corrected immediately. I have attached copies of my identification and supporting documents to verify my correct information.

Please update my credit file and provide written confirmation of the corrections. If this information can not be verified, it must be removed from my report as required law.