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

so I disputed a bankruptcy after allot of back and forth lexis Nexis agreed with me that it should be deleted this was over 2 weeks ago and they have not updated any of the bureaus I have called several times and they each keep telling me to call each other lexis Nexis is saying call the bureaus they will update and the bureaus are saying call lexis Nexis. I keep getting the runaround and I am the one suffering from this still on my credit I just want it off asap. they both already have said it would have been off already it has not I just want this updated and removed
Product: Mortgage

Last year, I sold my primary residence. It was financed by a loan managed by PHH Mortgage Services. Upon the closure of the sale, I had anticipated getting a refund from my escrow account of {$4100.00}. The first check was lost in the mail, so I requested a stop payment and a new check. PHH sent me a letter on XX/XX/2021 indicating a new check had been cut and was going to be sent. I never received a check, nor did it ever show up on my USPS daily mail email. After waiting until early XXXX, I again called PHH asking where my refund was. They indicated they would put a stop payment on the check and send another. Several weeks later, I received a check for ... {$1.00}. After several phone calls, I was then told the check for {$4100.00} ( that I had never received ) had been CASHED on XX/XX/2021. They then said they'd get a copy of the check to determine who cashed it and where. I was subsequently contacted by phone and email to say " we do not have a copy of the check '' and nothing more can be done. 

I am astounded at this... they're a mortgage servicer. They don't have deposit information for the check, nor an image? Further, I reviewed the daily email of scanned images of mail from the USPS - there is NO image of the envelope for this check. 

In sum, I have not received my escrow refund, nor can PHH Mortgage Services provide documentation of my having received/cashed the check. 

Please advise on what can be done. Thank you
Product: Debt collection

Someone must have received an SBA loan when I was incarcerated. I was in prison from XXXX. This loan was received and applied for during that time. I sent SBA a copy of my identity theft claim and my proof of incarceration. They are still saying that I owe for this loan. Someone apparently had been receiving SSI benefits as well as filed income tax for federal but not state with a job I've never had. It has been corrected with the IRS and it's still in process with social security, but SBA is just sending me bills although I've sent them this information more than once, and I have called them. I do not owe them anything. I was incarcerated without a break or pause throughout those years. I can not pay this bill and I've only recently been released from prison. 
XXXX XXXX
Product: Credit card or prepaid card

I was having this credit card from XXXX.in XX/XX/XXXX they charged {$49.00} annual fee for the first time without my consent ..i told them that I don't want a card with annual fee .Then they said that I need to close the a/c which I did. But they won't repay the {$49.00} that they charged as annual fee
Product: Credit reporting or other personal consumer reports

Transunion is reporting late payments on the accounts listed below. This is not true I was not late with these payments. Transunion has not proved that I was indeed late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

In XX/XX/2023, a negative remark reporting a past due balance in the amount of {$1300.00} from Unifund LLC appeared on my credit. A Verification of Debt Letter was sent via certified mail to Unifunds corporate office on XX/XX/2023. After no verbal/written communication or response from Unifund LLC for over 30 days, a second Verification of Debt letter was sent via certified mail on XX/XX/2023. I have yet to receive any responses or clarification of the debt in the amount of {$1300.00} from Unifund and they are still reporting a past due balance on my credit report. I have documentation of both letters sent and USPS certified mail receipts sent.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is COMMONWEALTH FINANCE # XXXX**** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, COMMONWEALTH FINANCE # XXXX**** failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) COMMONWEALTH FINANCE #  XXXX**** failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA , with {$1000.00} per violation COMMONWEALTH FINANCE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where COMMONWEALTH FINANCE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.COMMONWEALTH FINANCE has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Debt collection

In XX/XX/XXXX we were looking at the new complex XXXX, XXXX florida we sent a online request and paid {$300.00} as it asked and it didnt work, XXXX the agent said do it again I said no and we went there in person and saw her, my husband and I were told the apt we saw online was gone and she showed us another one, we said thank you and left never signed anything, never moved in or out. We resided at XXXX  XXXX XXXX  in XXXX Fl till our lease end XX/XX/XXXX and we bough a home in XXXX XXXX FL closed XX/XX/XXXX We then received letters from XXXX  for moving out early costs, they would not answer the calls, we live 2 1/2 hrs away now I tried XXXX left messages nothing, I saw on my XXXX  credit report now from columbnia debt recovery to pay them {$560.00} I sent a dispute through to show me proof of residency, a lease any documents there will be nothing and they will not answer me. I do not know what this agent did and want it fixed. I am XXXX, just had a XXXX XXXX  XXXX  XX/XX/XXXX and I cant go directly down there and try to have them talk to me. Thank you for any help you can render
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my Transunion credit score was XXXX and went down to XXXX for no reason. Nothing has changed in the last year. My credit score on XXXX my score is XXXX and has not changed. I called Transunion and talked with 3 different supervisors that said the same thing, " if I don't have or use credit my score will go down ''. If that is true my score would have gone down on the other two reporting agencies. I filed bankruptcy in XX/XX/2017, at that time my credit score was about the same on all three reporting reporting agencies was about 500. It has been going up consistently sense filing bankruptcy. I'm trying to get my score up to where I can buy some land to put my home on and can't with my score at XXXX. Transunion has made a mistake in calculating my score and I'm tole that there is no one there can fix it. I left my phone number with the last person I spoke with to have his supervisor call me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Experian received a letter from me, via USPS XXXX XXXX XXXX XXXX XXXX XXXX, disputing information on my Experian report. That letter is attached to this complaint as well. On XX/XX/year>, Experian gave me an update of one of the disputed accounts by my Experian account on Experian.com. The update was for the XXXX XXXX XXXXXXXX account and it stated " The incorrect account with XXXX XXXX XXXX XXXX XXXX XXXX has not been changed and will remain on your credit report. '' I have attached this statement to this complaint. I believe Experian is purposely not following the rules stated in the Fair Credit Reporting Act. CFPB please hold Experian accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Account # 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 an account without my written instructions.
Product: Debt collection

I received a settlement letter that if I pay off a bill at a discounted amount that I would no longer owe the debt. I was put under the impression that once I settle this account, it would be deleted from my credit report. It was not deleted and still shows on my XXXX  and XXXX  credit reports.
Product: Mortgage

My mortgage loan was transferred from XXXX XXXX  to PNC mortgage as of XX/XX/2020. Prior to the transfer of my loan XXXX reviewed my escrow account and confirmed there was a shortage which caused my mortgage payment to increase. It was confirmed my homeowner 's insurance premium had significantly increased but Prior to the transfer of my mortgage I had my home owners insurance reevaluated and the premium significantly decreased as well. I reached out to PNC mortgage on XX/XX/2020 and was advised my escrow account would be reanalyzed and I would receive a new coupon book in the mail or I was able to go online and see my review and new mortgage payment amount. A week went by and I enrolled online and confirmed my payment still reflected the same amount. I made contact again with PNC mortgage and was advised no request had been completed and was also advised they didn't have access to my escrow analysis review previously done with XXXX XXXX  and they needed this information in order to reanalyze my escrow account. I sent my homeowner 's insurance declaration page and the information on property taxes in order to have my escrow account reanalyzed. I was advised the requested documents would take a couple of days to view and the information to be updated. I called again and was advised the request for reanalyzing the account was never submitted again. The request was submitted. After another attempt I was advised I would have s supervisor call me with the updated information on my new mortgage payment and would be able to make my XXXX payment at that time. I received a call from a manager and was then advised they were not able process my request and would follow back up with me XX/XX/2020 I went ahead and made my XXXX payment at the higher amount to get it taken care of. I never heard back from the manager who confirmed she would be the one working on the matter and she would take care of it. I called PNC  mortgage XX/XX/2020 and requested to speak to a manager and my request was denied. I was then told my request would be escalated when told I would reach out to the XXXX XXXX XXXX, the representative stated a manager would reach out to me within 24 hrs I have not been contacted by anyone at PNC mortgage as of today XX/XX/2020. Also as of today my escrow account has not been reanalyzed and my payment remains the same. I feel like PNC mortgage has taken advantage of ever aspect possible in this matter from being promised certain things and not following through with them. The lack of knowledge of Representatives I had to speak to is an understatement. Each and every time I called I was told something different and I always did and sent everything I was being asked for.or provided everything I was asked to provide.
Product: Debt collection

Re : Cease and Desist Communication Request under 15 USC 1692c ( c ) Dear Halsted Financial Services, I am writing to formally request that all communication from your agency regarding the debt associated with reference number XXXX cease immediately. Pursuant to the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), I am exercising my right to request a halt in communication until I have received validation of the debt in question.

please provide me showing that I gave written consent in blue ink in my hand to the be contacted by this company.

I recently received communication from your agency dated XX/XX/2024 regarding an alleged debt. Before any further communication takes place, I assert my right to request validation of this debt as per the provisions of the Fair Debt Collection Practices Act.

I am hereby requesting that you provide the necessary documentation and evidence validating the debt. Until such time that the debt has been validated per my request, I insist that all communication efforts, including but not limited to calls and letters, cease immediately.

Please acknowledge receipt of this dispute letter and confirm that all communication attempts will cease until the debt has been validated. Your prompt cooperation in this matter is appreciated.

Thank you for your attention to this request. I expect compliance with the Fair Debt Collection Practices Act and the cessation of communication until the debt validation process is completed. 
Sincerely, XXXX XXXX
Product: Mortgage

my house burnt down on XX/XX/2015. i finally received a check from my insurance company to pay off the mortgage on XXXX/XXXX/2015. i two day priority mailed a XXXX check to quicken loans on XXXX/XXXX/2015. the post office lost the check and it did not arrive until XX/XX/XXXX so now quicken loans wants me to pay an additional XXXX to avoid forclosure on the property because it did not arrive by XX/XX/XXXX eventhough i have tracking numbers and proof that it is not my fault and it was lost in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed  XXXX , Experian, nor  XXXX  has ever validated or verified these public record entries on my credit report, neither will they ever be verified by the courts. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I request that the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given  XXXX , Experian and   XXXX    multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated. I am hoping this matter will result in the removal of the bankruptcy from my account.
Product: Debt collection

ABILITY RECOVERY SERVICE HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.
Product: Credit card or prepaid card

I applied payment through XXXX account online. Bank smpulled from wrong account. This had happened more than 3 times now. I need to have any returned fees back to my account. I have paid on time and thousands onthis card. Their system is automatically pulling feom bank of their choice. I've co tasted their customer service and sarcasm and ignorance is what they provided. I would like to jave payment pulled fro. My account.
Product: Debt collection

I am writing to formally dispute the collection account that Midland Credit Management ( MCM ) has reported on my consumer credit report. MCM has failed to meet the legal requirements for validating and disclosing details of the alleged debt under federal law, specifically 12 CFR 1006.34 and 15 USC 1681-s2 ( a ) ( 7 ).

The following violations are evident : Failure to Provide Required Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) MCM has not provided any validation details required under 12 CFR 1006.34 ( b ) ( 5 ), such as the exact nature and amount of the debt, which denies me the ability to understand or verify the accuracy of this alleged obligation.

Failure to Provide Opportunity for Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) MCM reported this debt to credit bureaus without giving me a legitimate opportunity to dispute it. This is a direct violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which protects my right to challenge or verify the debt before it is reported.

Misleading and Inaccurate Reporting MCMs actions have resulted in inaccurate and misleading information being reported on my credit file. This misinformation has led to unwarranted damage to my credit and reputation.

Lack of Authority to Report without Full Disclosures ( 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( a ) ( 7 ) ) Without fully providing the legally mandated disclosures, MCM lacks the authority to report this debt under 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( a ) ( 7 ). This non-compliance is unlawful and has caused severe impacts on my credit.
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan out with fifth third bank on XX/XX/XXXX and payed it in full on XX/XX/XXXX. 
Today XX/XX/XXXX my account was suspended because I had to cancel the payment arrangement for the loan that was still being processed every month for {$75.00} dating back to the time I closed the account XX/XX/XXXX. 
I did not receive a confirmation from the bank institution that I bank with of any reversal to my account.
Product: Prepaid card

Last time, I did file a complaint and I did receive a replacement card. I used it to buy another card but AMEX gift card. It worked until I did try XXXX and XXXX. Here although I did use it previously at XXXX, this time, the same card was denied. It was also denied at XXXX then it worked at XXXX. As you will read if I don't use XXXX, ... I may not have opportunity to use my remaining balance. Who to blame I don't know? they say new security system does not allow them to proceed
Product: Checking or savings account

Checking account opened in my name, address, email, and SSN through Bank of America. Initial notice received on XXXX/XXXX/2022. Called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX to have account closed. Bank states the account is frozen, but will only close if I submit personal documents such as SSN, drivers license, and more -- which I am not willing to provide. I received an account statement on XXXX in mail. I called Bank of America and they confirmed they have yet to close this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : MEDICAL XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Our family had received a letter from a third party Law firm that our mortgage Servicer is using as an intermediary stating that our mortgage will increase starting the XXXX of XX/XX/year>, this increase is the result of higher taxes on our property. So the increase has raised our escrow payment. In reality our property taxes are lower this year according to the letter we received from the county. 
We called Mr.Cooper our mortgage servicer about the matter we were told that they obtained a record of our taxes from the internet which might not have been accurate, so we sent all the paper work and demanded a letter stating that the correction had been made, but never heard back from them. 
Thie prompted us to file this complaint.