23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I would like to place a complaint against US Bank Home Mortgage XXXX XXXX XXXX XXXX, MN XXXX. I have a mortgage loan that I requested a payoff in full since XX/XX/XXXX. I requested a payoff balance with US Bank and was sent a payoff letter on XX/XX/XXXX. The problem is with US Bank 's 3rd party vendor XXXX XXXX XXXX for the second lien. Apparently, XXXX changed to a new entity and US Bank keeps waiting for the new company which I believe is HUD to get the second payoff. Each entity is blaming the other stating that HUD won't provide the payoff and when I contact HUD they said that US Bank needs to reach out to get the payoff. Each entity is NOT providing the correct payoff information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX- XXXX XXXX XXXX - XXXX XXXX XXXX. The title company and myself have reached out to both US Bank and HUD at least 3 times a WEEK since the end of XX/XX/XXXX to get this resolved and each entity blames the other with NO results. I am NOW penalized 2 more months of finance charges and late fees because neither entity will provide the correct payoff. I am requesting your help to have these charges reversed and credit repaired due to their incompetence. I am also requesting your help in obtaining the correct payoff ASAP. I have had my condo in escrow since XX/XX/XXXX. The new borrower has provided the title company funding ( cash sale ) for the payoff and now losing dividends on their money as well. This is a private sale between buyer and myself. My loan # is XXXX. My property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX. FYI- Weekly sometimes 3 times a week I call, the title company has called and sometimes we conference call these entities since the end of XXXX to get this resolved and each one blames the other. We have been on the phone for up to 2 hours at a time. Customer service at US Bank has TONS of notes on my account referencing payoff request YET no one can help. I have been offered a return call from a Supervisor that has NEVER happened. I feel US Bank and HUD will not provide the correct payoff amount in order to un-lawfully gain additional finance charge and fee income. This complaint is over a payoff quote - nothing more ... how hard can this be? What they are doing is un-lawful and if this can not be resolved to MY satisfaction which is reversing all charges as of XX/XX/XXXX I will be seeking legal advise and starting a class action lawsuit on US Bank and HUD. I have also file this same complaint with the FDIC. US Bank and HUD has left me no other recourse. I want this resolved by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Due to the recent lawsuit against Experian on XX/XX/year>. I insist you investigate as the FCRA XXXX requires you. I will explicitly say do not accept the findings of the furnishers who do not provide thorough investigation results. Which, I ask that you provide me with exact details. Please delete disputed information within the required timeline of XXXX  days or less as set forth per FCRA which is federal law. I have filed disputes and Experian has also but they returned VEREFIED. I have contacted XXXX where they get their information and XXXX XXXX stated they DO NOT have a Bankruptcy for me. XXXX and XXXX have deleted this off my report months ago. 

XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]
Product: Credit card or prepaid card

There is a fraudulent credit card opened with my social security number. I tried to open a savings account at CHASE XXXX XXXX, California and the person who assisted me said I couldn't because someone else has an account already open with my ssn. I was contacted by CHASE executive office, on XX/XX/2020. I already provided them with my ssn card, passport and CA driver 's license. XXXX the case manager got in touch with the Fraud Department but just recently XX/XX/2020, said that my case is closed under her department. Now I'm waiting for a response from Chase Fraud Department from which I haven't received any type of notifications. Yet I do expect a letter or something that confirms that no one is using my identity and that the alleged credit card, as well as account is cancelled. Also, I couldn't file an identity theft report to the police as suggested by CHASE because they couldn't provide me with the thief 's information.
Product: Credit card or prepaid card

Received credit card from Bank of America that I did not apply for in XX/XX/XXXX. Reported this identity theft to BOA by phone and account/card was cancelled. Put credit freeze in place with all three credit reporting agencies in XX/XX/XXXX. Added fraud alert with all three credit reporting agencies in XX/XX/XXXX. 

Received notification from BOA in XX/XX/XXXX, that an account was approved in my name and I would receive credit card ( s ) within two weeks. Attempted to report this fraudulent attempt to BOA by phone. First BOA representative refused to look up account and act on my fraud information. I called a a second time to get a different representative, who cancelled the account/card. He had no explanation why BOA did not check for a credit freeze, or see prior BOA fraud attempt in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've repeatedly sent Transunion my fraud reports, and asked that they remove the fraudulent accounts and fraudulent credit inquiries. They responded by removing XXXX accounts, and putting the debt into a " dispute '' status. They are reporting a tax lien that is NOT mine. I 've attempted to verify with the courts and they have no record of the tax lien. I 'll attach screen shots or the courts website with the case number, as well as a detailed list of the Inquiries that I did not authorize. When I spoke with a rep in XXXX today he informed me that they verify it electronically through the courts website. Clearly, it 's not in there, I 've spoken with the courts representatives on numerous occasions and they ca n't find anything either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting a XXXX account on my report that has been paid and is reporting it as not paid. They are also reporting two tax liens that have been paid and they are reporting it as not paid. This needs to be removed asap. I have included the documents that show it has been paid. The court also does not provide this information to them. 

Amount : {$5600.00} File Date : XX/XX/XXXX Judgment Type : SMALL CLAIMS JUDGMENT XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, GA Filing # : XXXX Date Last Seen : XX/XX/XXXX Filing Book : N/A Release/Satisfied N/A Date : File Date : XXXX Type : Amount {$14000.00} XX/XX/XXXX FEDERAL TAX XXXX XXXX XXXX SUPERIOR COURT XXXX XXXX XXXX XXXX XXXX GA Filing # : XXXX Date XXXX Seen : XX/XX/XXXX Filing Book : XXXX Release/Satisfied Date : N/A Filing Page : XXXX File Date : XXXX Type : Amount {$330000.00} XX/XX/XXXX FEDERAL TAX XXXX XXXX XXXX SUPERIOR COURT XXXX XXXX : XXXX, GA XXXX XXXX XXXX XXXX Date Last Seen XXXX XX/XX/XXXX XXXX Book : XXXX Release/Satisfied Date : N/A Filing Page : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, 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 : 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
Product: Mortgage

In XX/XX/XXXX our son was involved in a bad accident that let him XXXX. After years of not being able to work full time and issues with paying medical bills and other expenses we finally in XX/XX/XXXX had to declare bankruptcy. It was not what we wanted to do we worked for years to try and avoid it. We own our home and was worried about the Chapter XXXX bankruptcy hurting out lender. Our attorney advised us that we could re-affirm the mortgage no problem due to our situation. After debating a little while we then proceeded so we could start fresh again. We kept calling our attorney who proceeded to tell us that he still has not received the paperwork to re-affirm and that we should call them and let them know so we could get it taken care of. After speaking US Bank they would not give us any info on the re-affirmation due to the bankruptcy. We did understand where they were coming from and asked if our attorney could call and get the information on the paperwork. Neither the bank or our attorney would do anything to help. Our bankruptcy was then finalized in XX/XX/XXXX and we started calling the bank to start the re-affirmation proceed since we thought if might have to be done after the discharge. After going through several people at US Bank, we finally got to a supervisor that said she could help and that there should have been know issues with the re-affirmation and that it should have been taken care of. We asked why and she stated that they dropped the ball and the paperwork should have been sent out for the re-affirmation but, it was not. We then asked what we could do and she said at this point they would have to reopen the bankruptcy to get it done. She stated that it could take up to 6 weeks. She then said that she would call us back within XXXX hrs to let us know how they were going to proceed and help but, we never received a call back. We called back a few days later but, no returned calls. This was the beginning of XX/XX/XXXX and we still have not seen any results. We did send in a letter to US Bank asking that they start sending our statements to us again but, the statements all say the same info every month. We are still behind {$1200.00}. When I went through my bank statements and what has been paid to them in the last 5 months, I show that we are ahead on our payments by about {$100.00}. We are very frustrated and no one from US Bank seems to want to help. We are trying to get back on track and loosing out home is not an option since we not take care of a XXXX son XXXX. We need our home and stated to everyone that we wanted to keep it.
Product: Credit reporting or other personal consumer reports

I received my credit reports, and after carefully reviewing them, I discovered inaccuracies that I would want to have investigated into. In order to exercise my rights under 15 USC Section 1681i ( Procedures in case of disputed correctness ), I am writing this letter.

1. Reporting multiple discrepancies among bureaus and falsely stating I lived at addresses I never resided at below are the incorrect addresses that need to be removed asap. 
XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX. 
These Fraudulent addresses are connected to Fraudulent accounts XXXX Account # XXXX XXXX XXXX Account # XXXX I also have a few inquiries that a fraudulent and have been listed on my credit report this information is provided below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DO NO PLACE ANY EXTENDED FRAUD ALERT OR FREEZES ON ANY ACCOUNTS
Product: Credit reporting or other personal consumer reports

SENT MY DISPUTE IN FOR INACCURATE REPORTING ON MY CREDIT REPORT. I WANTED THESE ACCOUTS DELETED UNDER THE FCRA BECAUSE OF THIS. THIS DID NOT HAPPEN. ALL I GOT BACK WAS UPDATE AND VERIFIED. HOW WAS THIS AND THESE ACCOIUNTS HAD INACCURICIES IN THE PAYMENT HISTORY AND THE DATE OF LAST ACTIVITY BETWEEN EQUIFAX, TRANSUION AND EXPERIAN. ( YOUR COMPANY DID NOT DO YOUR JOB AND YOU HAVE A LAWSUIT AGAIST YOU FOR THIS. ) I WILL BE TAKING ACTION IF THESE ACCOUNTS ARE NOT DELETED IMMEDIATELY. THESE WERE THE ACCONTS THAT WERE SUPPOSED TO BE DELETED FOR VIOLATING THE FCRA. : ( 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  THESE ACCOUNTS HAVE INACURATE INFORMATION IN THE PAYMENT HISTORY AND THE DATE OF LAST ACTIVITY BETWEEN EQUIFAX, EXPERIAN AND TRANSUNION. I REQUESTED THAT THESE ACCOUNTS UPDATE THE LATE PAYMENTS TO PAID AS AGREED, PAID ON TIME, NEVER LATE IN THE PAYMENT HISTORY. THIS DID NOT HAPPEN. YOU SENT A RESPOSE OF UPDATED AND VERIFIED WHICH IS A VIOLATION OF THE FCRA. THESE ACCOUTS SHOULD BE UPDATED TO PAID ASGREED, NEVER LATE, PAID ON TIME IN THE WHOLE PAYMENT HISTORY. ( XXXX XXXX XXXX  ) ( XXXX XXXX XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

The item XXXX XXXX reporting on my credit is not accurate. This company has re-aged the item. They are currently reporting a charge-off every month since XX/XX/XXXX up until this month XX/XX/XXXX. A charge-off is an event that took place back in XX/XX/XXXX it is not a status to be reported each month according to my online report. ( See print screen below ). 

This monthly reporting of a charge-off has caused my scores to drop as a result of this retaliatory reporting. Furthermore the listing also lists a {$210.00} balance ; which clearly is not accurate. A charge-off would indicate that the company has written off the debt and thus would have a XXXX   balance. Obviously they can't have both reporting : it's either a charge-off or there's a balance due. These errors on my report causes me great concern, in that I have no reason to believe that this listing is accurate at all or has ever reported correctly based on their failure to report accurate information. 

Please remove this inaccurate item from my credit report as it is clear that they have re-aged this item by reporting it charged-off month after month. Re-aging a debt is a violation of the FCRA. 

This inaccurate reporting hinders my ability to obtain financing for a home and also hinders my employment opportunities ; this retaliatory reporting has directly lowered my Fico score.
Product: Debt collection

To whom it may concern : XXXX XXXX This complaint is regarding account XXXX XXXX, which you claim I owe {$1200.00} for a collection account. 
This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collections agency can not place a collection on a consumers report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ).

Also, a collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). 
Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the CFR, FCRA and FDCPA : therefore, If you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Debt collection

About on XX/XX/2024, I got a letter from Portfolio Recovery Associates LLC that I had a balance with XXXX XXXX XXXX  company. From the later, I figured out that the bank I need to contact for this matter is XXXX XXXX I looked up the website and got the phone. I called and explained that I have never opened a XXXX XXXX XXXX XXXX XXXX  started investigating the matter. The result was the account was unauthorized opened by someone else. I asked what I need to do with the letter from Portfolio Recovery Associates LLC, the answer was I would not need to worry about that because XXXX XXXX already sent a notification to Portfolio Recovery Associates LLC. 

On XX/XX/2024, I got a notification from the XXXX XXXX that Portfolio Recovery Associates LLC has sued me for the unpaid balance. I called the XXXX XXXX again and I got the same answer that the account was unauthorized opened and that the bank already senet a notification to the Portfolio Recovery Associates LLC. I asked the bank sending me a letter as a proof that the account was unauthorized opened. XXXX XXXX  did send me a letter. I sent a copy to the court and to the Portfolio Recovery Associates LLC to request that the case should be dismissed. 

I am currently working out of state. To show up at the court requires me to take 3 days off. From my earning, each day is about {$300.00}. Three days plus the air ticket would cost me about {$1000.00}.

I have called Portfolio Recovery Associates LLC and reported that I already sent in the proof provided by Synchrony bank. The employee from Portfolio Recovery Associates LLC verified with me she received and that she would handle it to her manager. 

I have not heard from Portfolio Recovery Associates LLC and I would like the case is dismissed. 

Attachment is the letter from XXXX XXXX
Product: Vehicle loan or lease

I was a co signer on my husband car with XXXX that got hit andin front of our house park on the street we told them to come in pick the car but never did than XXXX of 2019 they came to get it and then sent a letter in the mail trying to sue me I called them and all they keep saying is your have contact the financial company I did that and all they keep doing is giving me the run around.
Product: Debt collection

I've paid this loan off in full and this collection company keeps calling me asking for money saying they going to take me to court over XXXX dollars
Product: Debt collection

I've told First National Collection Bureau to stop contacting me and that they have the wrong number, but they continue to contact me. After I told them to stop calling they sent me a text stating the man they were trying to reach owed a debt and to reach out to them. I do not owe a debt and don't even know the man they're trying to contact. It's also illegal to share that someone owes a debt with someone other than the person being contacted. So they're not only violating me with repeated communications but his privacy as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sagestream is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. 

The Company is reporting inaccurate information on The Consumers, consumer report. Listed is the inaccurate information to be deleted : SECTION 2 : STANDARDIZED INFORMATION TO GENERATE THIS REPORT : Address : XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX Phone : Date of Birth : XXXX SECTION 3 : OTHER REPORTED PERSONAL INFORMATION : Date of Birth XXXX XXXX Social Security Number XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX Phone Numbers XXXX XXXX Email XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with transunion to help delete all invalid data on my credit. checking my file all of the information Is hindering my credit report needs to be removed. please review an delete the info filed to correct all inaccurate information that is incorrect on my credit report.
Product: Debt collection

They keep contacting my place of employment after being told repeatedly to stop contacting. No written notification has been sent to my home address to verify any debt.