23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a phone call from a private phone number stating they had to serve at my home or my job and to find out more information I would need to call XXXX. When i called the number they threatened to sue me and take me to court for over 4,000 dollars and I told them I did not want to go to court. The debt that they wanted to collect on was more than 10 years old and has not been sent to me by a letter in the mail. I set up payment arrangements for the original amount of the debt which as XXXX initially and the on XX/XX/XXXX XXXX and on XX/XX/XXXX XXXX. They stated that because I did not have the money they could do a hardship and do the payment arrangements. They also stated that I had to stay on the phone and if I hung up at any time I would be sued for the money including court cost. After consulting a free advice lawyer they recommended that I look up the number to see if it is a scam and it is. They call their self XXXXXXXX XXXX XXXXXXXX and I talked to a XXXX XXXX. They had information that I thought a debt collector would know but the way the laser described the fraud of how they attempt to get the money was spot on. Do not give them your money!! Do not disclose any of your personal information to them. Hang up the phone!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I had wrote my complaint against the company ( jd byrider /cnac ) for wrongful /illegal repossession when in fact I was not defaulted on my payment on the vehicle and as well to get the Tradeline removed from my credit since they did reply back on XX/XX/ that they did collect the vehicle and were going to keep the vehicle and relayed that Cnac would cancel my open account and as of XXXX the tradeline would be removed from my credit report expeditiously, .. well here I am once again making a second complaint because of the false information Cnac has one again lied and relayed to me, by which my next stance is to go forward with my full legal civil suit because I havent given them time to correct their horrible unprofessional mistakes and vindictive practices. Im making a record of this second complaint due to have on record I have obliged myself to try to get a right solution from this company but if the tradeline isnt going to be removed as it was stated to me in the reply from Cnac then Im left with no choice to pursue full legal action against them!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to Equifax, XXXX, and XXXX via mail on XX/XX/2020. 30 days later I received no response so I sent them all my disputes again. We are now toward the end of XXXX and its been almost 45 days and nothing. Not a letter, not an update- nothing. 

According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA.
Product: Mortgage

LoanCare/XXXX  is the mortgage servicer for this property. They are incorrectly assessing the county taxes for this mortgage due to their mistake ( they did not send the 1st half 2019 payment to the county ), which has increased my monthly payment by more than $ XXXX/month. They are collecting double the annual taxes {$3700.00} rather than the actual amount of XXXX - I provided them, per their request, with a copy of the county tax statement. 

I faxed the below letter to them on XXXX/XXXX/2019. I called them on XXXX and they confirmed receipt and said the issue would be resolved by XX/XX/XXXX and they would contact me via email. I called XX/XX/XXXX and they said case was closed with no explanation and the escrow is still incorrectly being assessed. They attempted to transfer me to a supervisor after disconnecting me multiple times. 

*****Letter text sent on XX/XX/XXXX/XX/XX/XXXX/2019****** Loan number XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX ESCROW ANALYSIS REQUIRED Please be advised the tax escrow account is setup incorrectly on this loan and escrow transactions need reconciled.

The annual taxes are {$1800.00} for this property. {$930.00} each half. See attached first and second half statements from the XXXX County Treasurer. 

According to the payment history of this loan, you did a CountyTaxDisb debit on XX/XX/XXXX2019 for {$930.00}, but the county auditor does not show this payment reaching them. 

You also did a CountyTaxDisb debit on XX/XX/XXXX2019 for {$1800.00}, but the county auditor received a payment of {$1900.00} on XXXX/XXXX/2019, which was the amount due for the full year PLUS penalty and interest. 

I request that you resolve this matter immediately and contact me that this has been resolved. I tried to resolve this with a customer service agent with your company but they would not take ownership of the issue. 



XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call from a woman named   XXXX   XXXX   claiming she was representing Chase bank. She attempted to get me to acknowledge and make payments on prior debts of my deceased grandmother. Upon asking this woman for detailed contact information including the firm she represents she would not provide it to me. Only a phone number. I do not believe she or her firm is a legitimate debt collector or attorney.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has left me feeling vulnerable and distressed. Fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit standing. I am determined to take the necessary steps to clear my name, and protect my identity, and restore my financial well-being. I kindly request that you please remove these fraudulent accounts from my credit reports, as they do not accurately reflect my financial history or responsibility. I appreciate any support and assistance in overcoming this unfortunate experience.
Product: Mortgage

I am writing in response to Specialized Loan Servicings letter dated XX/XX/XXXX, which was in response to my prior CFPB case # XXXX, submitted by myself, the borrower of the mortgage loan ending in # XXXX, on XX/XX/XXXX. 

I am writing to re-address concerns with Specialized Loan Services violation of the Truth in Lending Act, Regulation Z. Specialized Loan Service stated that the mailing address on file, XXXX XXXX XXXX XXXX XXXX MA XXXX, was not a valid address. This statement is incorrect. The property address associated with the above-referenced loan, XXXX XXXX XXXX XXXX MA XXXX XXXX as well as ownership of this property, has not changed since inception of the above-referenced loan. Specialized Loan Services did in fact have a valid address on file to issue regular correspondence to, the property address, and failed to do so for 7 years, from the date of purchase of the loan in XX/XX/XXXX until XX/XX/XXXX.
Product: Consumer Loan

skopos financial lost XXXX of my payments made in XX/XX/XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XX/XX/XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX ) speaking to them verifying the payments were made and on what days. Skopos Financial refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. Skopos also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against Skopos Financial concerning the documentation that I nor the primary borrower received with the XXXX, XXXX. Skopos Financial claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. As a last resort I sent Skopos a repo dispute letter on XX/XX/XXXX, which I have enclosed yet it is XX/XX/XXXX and I have not received a response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a member of Experian since XXXX XXXX XXXX, which my documentation will show and that's how long they have been reporting information on my credit report. Today XX/XX/2022 I have a premier credit card which I just open, it hasn't even been three months and I paid my balance early and Experian took XXXX points away from my credit score, not only that they haven't even updated the rest of my report with all the rest of the false and accounts that need to be updated. That's discrimination Secondly, I check into XXXX XXXX XXXXl XXXX XXXXXXXX XXXX PA I paid cash and used my XXXX prepaid card for them to have a card on file. Fact it's a prepaid just put XXXX dollars on it a company called XXXX went and took my money off my account. Wondering if the people running tXXXX XXXX XXXX XXXX  on XXXX XXXX XXXX have any connection with the XXXX that stole money from my account. 

XXXXXXXX XXXX is not keeping accurate information enclosed you will find the documentation proof just alone for social security I get XXXX $ let the record show that that amount alone does not show accurate information. 

The creditors are violating my rights " must remove outdated negative information '' Make credit report available correct delete inaccurate information. 

They are doing this stuff to keep me from housing, I want to see the law carried out. 
Every time I move around in the world something happens to me negative I want to know if there is a XXXX or XXXX XXXX working for Experian because I feel like these errors are becoming personal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would be a start to check.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charge-Off Reporting for Debt # XXXX Dear Synchrony Bank, I am writing to formally dispute the reporting of a charge-off associated with the above-referenced debt on my credit report. Upon reviewing the debt history and publicly available records, it appears that Synchrony Bank securitized this debt under the Synchrony Credit Card Master Note Trust ( XXXX : XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CT XXXX ). This transfer of ownership to the trust raises several concerns regarding the accuracy and legitimacy of the reported charge-off. 

Additionally, I have identified multiple data points associated with this debt that are being reported inaccurately across various credit bureaus. These inaccuracies further undermine the legitimacy of the charge-off and contribute to harm against me as a consumer.

Specifically, I am disputing the following : Accuracy of Charge-Off Reporting : If the debt was securitized and the receivables were transferred to the trust, Synchrony Bank may no longer hold the debt in its portfolio. Therefore, reporting a charge-off may not be accurate or compliant with the Fair Credit Reporting Act ( FCRA ). 
Validation of Debt : I request detailed, debt-level documentation proving that Synchrony Bank retained the authority to report the charge-off after securitization. This should include a solid chain of authority demonstrating the assignment or reassignment of the debt back to Synchrony Bank, evidence of the debts transfer, the balance at the time of transfer, and any agreements validating Synchrony Bank 's continued reporting authority for this debt.

Potential Double Recovery : If the debt was sold or securitized, Synchrony Bank may have already been compensated for this debt through the securitization process. In such a case, reporting the debt as a charge-off could mislead credit reporting agencies and harm me as a consumer.

I request that you investigate this matter thoroughly and provide a written response within 30 days, as required under the FCRA. If you can not validate the legitimacy of this charge-off reporting, I demand that you remove this entry from my credit reports with all major credit reporting agencies ( XXXX, XXXX, and XXXX ) XXXX 

Failure to address this dispute accurately and promptly may result in additional action on my part, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or pursuing legal remedies.

Thank you for your immediate attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I reached out to Capital One several times to discuss an issue with the credit reporting and for a potential removal of negative activity that resulted from a situation beyond my control for the credit card that ends in XXXX. 
About XXXX years ago, my debt burden became difficult and I entered into a debt consolidation program with XXXX XXXX, a not for profit company that consolidates bills. XXXX was recommended to me by the credit card companies. I was promised by XXXX that by entering into a debt consolidation program and making monthly payments that I would not be reported late. I agreed to monthly payments of {$1300.00} and that money was allocated to my creditors. 
However the unthinkable has happened earlier this year and it has destroyed me financially where I have been unable to obtain credit or the credit has been offered at interest rates that are financially punitive to me and my family. When XXXX contacted Capital One, they believed that a payment of {$44.00} made in XX/XX/2020 to my Capital One # XXXX would have paid it in full. I have provided support from XXXX where it shows how I made my monthly payment each month by in XX/XX/2020 {$0.00} was allocated to Capital One as they believed the balance was {$0.00}. Unbeknownst to me and XXXX, there was actually a balance of approximately {$20.00} on my account. Since XXXX stopped paying, Capital One apparently began reporting me late. I didn't identify this error until I pulled my credit in XX/XX/2020. As soon as I saw there was a balance at Capital One on card ending in XXXX, I immediately made the payment. 
I have tried repeatedly to discuss this matter with Capital One but I continue to receive a standard response that there is nothing that can be done. I just dont understand. I signed up for a debt consolidation to get my finances in order. I made payments over a 5 year period and now because of a miscommunication between XXXX XXXX and Capital One, my family and I are paying a steep price. I also paid {$60.00} a month to XXXX to process these payments and they did not honor their commitment for this Capital One card to ensure it was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX NC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I book vacation thru website XXXX for a trip to XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. I used my Chase Visa debit card to make payments of 6 equal payment of {$350.00} to XXXX. First charge was XX/XX/XXXX, second charge XX/XX/XXXX, third charge XX/XX/XXXX, fourth charge XX/XX/XXXX, Fifth charge XX/XX/XXXX. The last final charge was not done because XXXX XXXX  on XX/XX/XXXX issued a notice on their website that my resort booking was cancelled automatically and my last will not be taken. No one at XXXX has answered their phone, texts, or email. I filed with Chase debit back in XXXX, got provisional refund but Chase reversed the charges 2 weeks ago. I contacted Chase again to day and agin was denied because chase stated thats Visa not Chase is not liable for any charges beyond 120 days from the first charge back on XX/XX/XXXX. I stated that XXXX closed their doors and stop answering any questions on XX/XX/XXXX. I filed services rendered in XXXX. Chase still insisted that i didnt file in a timely matter, which is 120 from first charge. My total amount is 5 chase debit payments of {$350.00} = {$1700.00} and a initial {$40.00} payment to XXXX on the initial confrontation. Total of {$1800.00}. 
I have all Chase Visa debit transaction details printed and also XXXX statement.
Product: Credit reporting or other personal consumer reports

Delete the accounts below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

My wife and I have a home built by XXXX XXXX XXXXXXXX. Everything with our mortgage was through the office in XXXX XXXX, IA where we have paid our mortgage since XXXX. In XXXX of XXXX we received a letter from Affiliate mortgage services. The letter stated that they were our new loan holder. We called XXXX XXXX XXXX XXXX XXXX and was told by XXXX XXXX that they hired XXXX to do the book keeping. This is when our issues started. Right away we started getting letters ( Every Week ) stating that we were in default. We tried reaching out to XXXX with no success. It was everything from the name not being on the account, name was wrong, not authorized to speak to us, etc. They put forced placed insurance on us in XXXX without talking to us ( We have had XXXX XXXX for years and are completely up to date ). Then sent our insurance company a letter stating that they would be taking over our insurance. This resulted in three months going by with no payments made. We had to catch up last month ( Over {$700.00} to get current ) for the payments missed by XXXX. We are also receiving letters saying we are in default. Letters stating everything from {$95.00} to {$1800.00} behind. We are actually paid in advance by almost seven months. We have sent copies of all checks sent to XXXX by our bank ( We make our mortgage payments every two weeks directly form our bank account ) Bank records were sent to XXXX by our bank and us. Now habitat for humanity has disaffiliated the XXXX XXXX office in XXXX XXXX due to their numerous issues. We are being told that the XXXX XXXX office chose to keep their assets? Now today we just received another call from XXXX telling us that we are in default. I tried to explain the issue but was hung up on by XXXX. I called back and was told that they will call us if they can not get everything straight. We are not in default. Our lawyer noticed that they have put forced place insurance on us again and recalculated our escrow to be more than our mortgage payment. We have paid our own insurance since the beginning. We have documentation showing this. We are up to date with our payments for insurance, mortgage, taxes, etc. We have our bank records to show this as well. All of our payments are sent directly from our bank. Our lawyer suggested contacting you for help. Please give us a call so we can explain everything in greater detail Thank you, XXXX
Product: Debt collection

After doing business with Tower Loan this company has included interest and additional fees not in disclosure form and unaffordable rates to the consumer, in which I have not made a payment. Tower loan has attempted to collect {$1200.00} & has directly violated 15 USC 1666b Timing of payments ( 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 21 days before the payment due date. Tower loan company policy does not supersede federal law this company is non compliant to abiding by lawful statue. This company is also violating the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practice Act ( FDCPA ), and the Gramm-Leach Bliley Act ( GLBA ). The consumers right to protection of non public personal information 15 USC 6802. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted documentation to all three credit agencies, only XXXX   corrected my information. Both equifax and XXXX, is lying concerning their actions taken, to resolve said matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15-USC1681 section 602 it states I have the right to privacy. USC1681 604 section 2 states consumer report agencies can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes. Please remove. 

On the XXXX XXXX I want the late removed and closed account On the XXXX XXXX XXXX XXXX XXXX one They all said it would be soft inquires on my report and they were all hard. I want them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Erroneous Direct Violation Of The FCRA Professional Debt For two years now Ive been disputing these items im getting so angry please please remove these XXXX from my credit report these are fraudulent i file a police report and ftc report EXPERIAN WILL BE SUED and lawyer will be contacting experian if these items are not removed in the next two weeks!!!!! 

1. Account number : XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

2. Account number : XXXX Please Investigate and delete from my credit report 3XXXX XXXX XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these unauthorized inquiries on my report with each credit bureau. 

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