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

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for  accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. ) XXXX XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Mortgage

We contacted Rochester Home Mortgage regarding a refinance after viewing an advertisement they placed. It turns out that the company purely induces people to submit documents and charges a " nonrefundable '' charge. There is no one at the company, they all " disappear '' when trying to further the process. They scam people buy charging the credit cards without intention of doing anything further with an application. They lie repeatedly and there is no actual business conducted.
Product: Mortgage

My Name : XXXX XXXX Bank this complaint is againsgt : XXXX & XXXX ( Branch Banking & Trust Company ) Account Info : ( Bank : XXXX ; Branch XXXX ; Customer : XXXX ; Loan : XXXX ) Property/My Address : XXXX XXXX XXXX, XXXX, VA XXXX ) I paid off a 2nd loan ( HELOC ) on my home in 2011 to BB & T ( Branch Banking & Trust Company ). To this day they have n't release the lien on it. I am attaching a letter of satisfaction of the loan upon payment, sent to me by a law firm representing BB & T for your reference. 

I am not being abler to refinance my mortgage to lower my debt as a result of this undue lien on my property. 

I would really appreciate your help and effort in this regard.
Product: Checking or savings account

My debit card was used for XXXX ( XXXX ) unauthorized transactions on XX/XX/2023. The total amount involved was USD XXXX. I have not lost or misplaced the debit card. I got the card blocked immediately as soon as I got first message suspecting that there have been a fraudulent transaction. I simultaneously disputed all the transactions and filed a claim with the bank on the same day. 

I now understand that the bank has completed its investigation and denied my claim. I have also personally visited the bank to make representation of my case. I have been orally explained that the reason for denial of my claim is that the transactions were made through XXXX XXXX, which would ordinarily require a pass code of my phone, finger prints, XXXX ID, etc. However, I have never used XXXX XXXX in my life, and I still do not have XXXX XXXX account on my phone. 

I am awaiting for final letter from the bank in this regard but wanted to file this complaint timely.
Product: Credit reporting or other personal consumer reports

My Elan Financial Account has been paid in full as of XX/XX/year> and has been updated correctly on my XXXX credit file. XXXX and XXXX are still showing a high balance of over {$10000.00} even though my account has a zero balance. After speaking with XXXX at Elan Financial today ( confirmation # XXXX ), I've been informed that Elan Financial has already updated the information to the bureaus, and it's correct, and they have no control over what XXXX and XXXX are showing on my report. She was also unwilling to transfer me to Elan 's credit dispute division and stated they do not speak to customers.
Product: Credit card

Navy federal never credited my platinum credit card of the amount of {$8400.00}. The amount was never reflected into my credit balance and because of that my credit balance is over my credit line.This is affecting my credit score and credit history!!! Navy federal claims the posted date of this amount was XX/XX/2024. The balance was never updated for my card. I have called countless times regarding to this matter and nothing has been done. As well as XXXX fraudulent transactions that navy federal put back on my account in the amounts of {$3900.00} on XX/XX/XXXX. Navy federal always puts fraudulent charges back on my account. Horrible company. If my statement is looked at in debt its clear my Balance is not reflecting the correct amount.
Product: Credit card or prepaid card

I received a letter stating I had unclaimed property ( money ) that Citibank is trying to return to me. The letter contained a separate sheet to be signed and notarized. The form did not ask for any personal information like an SSI number or birthdate.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  XXXX acct # 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
Product: Mortgage

Had to retired from federal job due to XXXX problems current loan is with SPS as the servicer. This loan was a XXXX subprime loan generated before 2009 that XXXX had dump to SPS. We applied for HAMP due to financial loss of income and property value is XXXX and mortgage is for XXXX so under HAMP my understanding is Principal Reduction would be included. SPS and Investor approved a trial mod but not principal reduction need to know what they do n't comply with the HAMP rules. The account number XXXX for this mortgage. The HAMP modification does not help without a principal reduction. I have contact a lawyer to work with me and SPS on this matter.
Product: Credit card or prepaid card

XX/XX/2018 To Whom it Concerns, My Capital One credit card statement of XX/XX/2018 is incorrect by {$1600.00} plus interest! I contacted customer service in regards to this on XX/XX/2018. I did this when I made a {$500.00} payment on the account. The customer service representative XXXX ( XXXX ) said she would forward the information to the department that would correct the improper balance. She concured that the balance was improper. She could see that instead of a payment being reversed back to the account just one time it was incorrectly reversed two times back to the account. This was due to two different card numbers because I reported lost stolen and fraudulent payment made on my account. The same single account. I have never made a payment online!!!! I have only made all my payments from the same checking account. My phone was hacked!!! I reported right away and changed my password on my online account. I have had this credit card for several years now and I have always been responsible and obedient to terms and conditions. I also have no criminal record. I also have worked for a credit card company. I was told by the customer service representative that this statement would be corrected. She also did not inform me that I was supposed to write to capital one to report error in billing. Conversation was recorded and I spent 2 hours on the phone that day with the company. I was lied to by Capital Ones customer service representative and I was not informed proper on how to dispute the error in the billing. I want this corrected this is simple reading and math to correct this billing. I want all my interest for this mistake credited back for XXXX, XXXX, and XXXX statements. I have attached the statements of XXXX and XXXX. I also have enclosed a spreadsheet showing the improper calculation of statement. Please do the simple reading and simple math. I should not have to hire a professional accountant for a witness and an attorney to get this straightened out. This is horrible! 


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

Creditor is Netcredit, They reported me to XXXX and XXXX as past due 30 days twice and 60 days past due only marking the account as affected by a natural disaster., when I had called in and made payment arrangements to keep my account current during covid-19 last year. I fulfilled my payment arrangements and brought my account current during the agreement period and paid my loan off in XX/XX/2020.I submitted to them complete copies of both credit reports. I received an email from them stating they will basically not remove the negative reporting and my account is accurate. This is the only account reported negative on my credit report during this time, which I had other accounts with payment arrangements during that time and fulfilled them to and the creditor reported me current. 
I expressed the CARES ACT Violation and I was told that nothing would be done to fix the reporting, though their record show I had an arrangement and fulfilled my obligations to the arrangement in the time frame it was granted. 

The negative reporting is as follows XXXX XX/XX/2020 / 30 days late, XX/XX/2020 / 30 days late, XX/XX/2020 / 60 days late. 

XXXX they reported the account XX/XX/2020 / 30 days, XXXX 30 days and XXXX  60 days late. They noted the XXXX account as 60 days past due XX/XX/2020 and 30 days past due XX/XX/2020 and XX/XX/2020. They did not report payments on XX/XX/2020 for XXXX. 

XXXX they did not report payments in XX/XX/2020, XX/XX/2020 or XX/XX/2020. I paid the arrangements per the agreement. On the XXXX report it stated XXXX as 60 days past due i the comments below Date closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX Dispute Resolution XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Late Payments Reporting on Affirm Inc. Account, Cease and Desist Request, & Complaint Filed with CFPB Dear XXXX Dispute Resolution Team, Account Information : Creditor : Affirm Inc . 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance : Paid Off Status : Paid, Closed Reported Late Payments : XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ) I am writing to formally dispute the inaccurate reporting of two late payments on my Affirm Inc. account, as reflected in my XXXX credit report. These late payments are erroneously listed for XX/XX/XXXX and XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies are legally obligated to ensure that all information on consumer credit reports is accurate, complete, and verifiable. I have thoroughly reviewed my records and found no valid documentation to support these late payments. Furthermore, the account was fully paid off as of XX/XX/XXXX, and is listed as Paid, Closed. 

In light of these inaccuracies and the damage they are causing to my creditworthiness, I demand the following actions : Cease and Desist : Immediately cease and desist from reporting any inaccurate or unverifiable information regarding this account, including the alleged late payments for XX/XX/XXXX and XX/XX/XXXX. 

Investigation and Correction : Conduct an immediate investigation into the accuracy of these reported late payments. If you can not substantiate the claims with credible evidence, I demand that these late payments be removed from my credit report without delay. 

Non-Communication Request : I also request that you refrain from any further communication regarding this matter except to notify me of the outcome of your investigation or to confirm the removal of the disputed information from my credit report. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), which provides consumers with the right to limit communications from debt collectors. 

Please find enclosed any relevant documentation that supports my claim. I expect a resolution to this dispute within the timeframe specified by law, as outlined in the FCRA. 

In addition, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Failure to comply with these demands may result in further action, including but not limited to additional complaints to regulatory agencies. 

Thank you for your prompt attention to this matter. I look forward to your immediate compliance and a satisfactory resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

My mortgage payment includes taxes and insurance and increased from {$3400.00} to {$4000.00} effective XX/XX/XXXX, an increase of {$630.00} a month. The increase was due to an unexplainable shortage of our escrow. However, the XXXX County Tax Assessor sent us a bill and the increase in our taxes was from {$8600.00} to {$9800.00} for that tax year, an increase of only {$98.00} a month. After requesting an explanation from Wells Fargo, we never received a response. We paid the increased mortgage payment over the next 12 months. Our mortgage increased to {$4100.00} effective XX/XX/XXXX, however these was an increase in our XXXX County taxes. Again, we asked for an explanation to no avail. We paid our XX/XX/XXXX mortgage of {$4100.00} on XX/XX/XXXX with Wells Fargo Check # XXXX. Wells Fargo cashed the check but never credited our account and thus said we were 30 days delinquent on our mortgage payments. However, we never missed a month of payments. Then, we fell behind 2 months in XXXX owing for XX/XX/XXXX and XX/XX/XXXX, however we made a payment on XX/XX/XXXX for {$8300.00} though brought us current. However, Wells sent us a statement saying that we owe {$5200.00}. We asked Wells Fargo to thoroughly review our payment history as we had proof that we made all the mortgage payments due. Wells Fargo refused to acknowledge our request. WellsFargo stopped accepting our mortgage payments in XX/XX/XXXX as they kept stating that we were delinquent. Wells Fargo never explained why they increased our escrow payment on a fixed interest rate loan and why they never credited our account for a payment that they cashed. We feel like they have no regards to our payments or mortgage contract
Product: Credit reporting or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am being taken advantage of as a consumer in law. These inaccurate items are damaging my credit and now in pending litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 604 A states- I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 also states- A consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

15 USC 1681a ( 2 ) ( i ) - Reporting containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act, XXXX  Account # XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX XXXXXXXX ), XXXX ( XXXX ), XXXX ( JPMCB ), XXXX ( JPMCB ) has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer card plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.
Product: Mortgage

Pivot Lending is collecting property taxes in an escrow account and not paying them. I am now responsible for the late fees and taxes and they will not respond to calls or emails.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across several mistakes and inaccuracies that you are reporting. Please review and eradicate any of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant, or elsewise compliant to every single one even reach any of the regulations applicable laws, and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one requires immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now, and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. I checked my credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made XXXX XX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXX XX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXX XX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXX XXXX XXXXXX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00}
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding Ally Financial 's handling of a charged-off account ( Account No. XXXX ). This account reflects a charge-off amount of {$6800.00}, which has been reported as income to the IRS, according to IRS Publication XXXX. However, Ally Financial has failed to issue a Form 1099-C to me, as required in cases of discharged debt that is no longer being collected.

Ally Financial asserts that they are still collecting on this charged-off debt, which conflicts with their reporting to the IRS. If the company is actively collecting on the account, it can not rightfully classify it as a charge-off and report it as taxable income to the IRS.

Furthermore, Ally Financial is in apparent violation of the Fair Credit Reporting Act ( FCRA ), under USC Code 1681. They continue to report this charge-off month after month on my credit report, despite their claim of actively collecting the debt. This raises concerns about their accuracy in both IRS reporting and compliance with credit reporting standards. 

I am requesting the following actions : Immediate Removal of Charge-Off Reporting : If Ally Financial is actively collecting on this account, it should no longer be reported as a charge-off to either credit bureaus or the IRS.

Investigation of Potential Fraudulent Practices : I believe Ally Financial 's actionsreporting this debt to the IRS while still attempting collectionmay constitute fraud under Publication 4681 guidelines. 
Clear Documentation or Issuance of 1099-C : If Ally Financial does indeed consider this debt discharged, they must issue a Form 1099-C promptly to reflect it correctly.

Additionally, I am contacting the IRS regarding this matter to request a thorough investigation into Ally Financials practices of potentially misrepresenting discharged debts as ongoing charge-offs while also declaring them as income to the IRS.

I urge the CFPB to escalate this matter for immediate review to ensure Ally Financial complies with all applicable laws and regulations. Thank you for your prompt attention to this serious issue.