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

I mailed dispute letters on XX/XX/year>, XX/XX/year>, and XX/XX/year> challenging several negative items that are showing on my credit reports. I have not received an updated report or results of any investigation into these items.
Product: Debt collection

Debt was paid yet they continue to call me! Portfoliorecovery.
Product: Mortgage

I am presently going through a judicial foreclosure in XXXX. I am not trying to keep the property but have told the Court I would like to sell. There is equity in the property. I am challenging the amount the Servicer is claiming I owe. The Court ordered discovery from both the Plaintiff and Defendant which included payment history. I complied with the payment history I could gather. This history is from XXXX to present. However, the Servicer 's initial history only went from part of XXXX until XXXX. After many requests they finally submitted the payment history 2 days before mediation. When the Servicer 's history was examined gross mistakes were discovered. XXXX of the most egregious is that a foreclosure was instituted when all payments were up to date ( this was done in XXXX ). Since I was not aware of this I agreed to a repayment schedule. After signing the repayment agreement which involved arrears, attorney 's fees, and other fees, I examine the document and found that after six months there was to be a balloon payment of {$14000.00} plus. I contacted the Servicer and asked for a modification because I knew I would not be able to afford the balloon payment. The Servicer then offered me a modification which entailed adding the {$14000.00} plus to my principal. ( This modification was interest only ). I did not fill out any application. I simply received a telephone call from an agent of the Servicer and asked if I wanted a modification I answered yes. He then said he would send me the paperwork. As I remember the modification was XXXX pages long. It is only now after examining the paperwork that was submitted by myself and the Servicer that I discovered this information. 
The Servicer has been asked many times for a detail accounting of all payments, fees and escrow items paid. They have not been forthcoming. Even their own attorney claims that he has tried to get them. So my complaint entails the following : ( 1 ) illegal notice of foreclosure ; ( 2 ) late posting and in some instances no posting of payments ; ( 3 ) illegal adding money to my principal ; ( 4 ) Under reporting of interest payments to IRS and thus depriving me of addition mortgage interest deductions ; ( 5 ) and I am questioning the standing of the assigned Trustee to bring this suit. The Trustee says and I ( quote ) Please note the Trust is the owner of the mortgage and note, not the Trustee. The Servicer is the party to the trust that has the authority and responsibility to make decisions and take action regarding individual mortgage loans in the Trust. The trustee has no authority or responsibility to review and or approve or disapprove of these decisions and actions. It is the Servicer who has taken all action regarding this property and is the proper party to address your concerns. ( unquote ) This is in a letter I received from US Bank who is cited as the Plaintiff in my judicial foreclosure. 
I would appreciate you looking into the matter.
Product: Debt collection

I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, which I believe have been included in error. I demand that you investigate and rectify this situation with utmost urgency and aggression. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

Upon reviewing my credit report, I discovered several accounts that are not legitimate and were opened without my knowledge or consent. The inclusion of these fraudulent accounts is not only damaging my credit score but is also an alarming breach of my financial security. 

XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!!! 

It is imperative that you delete these fraudulent accounts from my credit report immediately, as they are tarnishing my creditworthiness and causing me undue distress. I expect you to exercise due diligence in this matter and resolve it in the shortest time possible. 

Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate and fraudulent information be promptly corrected. Failure to comply with these regulations will result in legal action being taken against the credit bureau. 

I insist on receiving regular updates on the progress of your investigation and the actions taken to remove the fraudulent accounts from my credit report. Any delay or negligence in addressing this matter will be considered a violation of my consumer rights. 

Please treat this dispute with the urgency and severity it deserves.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  of Maryland will not respond to any phone calls or emails regarding incorrect information they have filed with credit bureaus. They have filed a collection that has nothing to do with me. I do not own a construction company in MD. Someone else has used publicly available info on my business and now it is resulting negative info in my personal credit profile
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am not familiar with. I have asked the CRAs for validation of debt however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

I have attached a copy of my ID, the FTC complaint, copy of the XXXX reports proving my information has been exposed in a national database and a copy of the validation of debt letter.
Product: Mortgage

Equity Mortgage loan # XXXX is charging me hazard Insurance but I have hazard insurance on my home which I pay monthly insurance policy MPP - XXXX with XXXX XXXX XXXX XXXX. I just noticed that my escrow account is collecting this amount from my Mortgage payment every month. They have been charging me {$480.00} annually since 2014. I just notified them of the fact they seem to not accept their mistake. My Insurance company sent them a letter of verification providing proof that I have had hazard insurance on my home since 2014. Equity Mortgage has not return the excess amount charge to me. I have provided them with letters requesting a refund for their mistake.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX - XXXX - XX/XX/year> - {$28000.00} Bankruptcy - XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

) I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

The accounts are not mine. I am a victim of an identity theft. REMOVE ASAP!
Product: Consumer Loan

In late XXXX, I applied for a membership in Navy Federal Credit Union because I am an XXXX of the XXXX XXXX. I planned to obtain a promissory note to purchase a used vehicle. A few weeks after they approved me for membership over the phone and sent me a promissory note and security agreement, I was unable to log into their website to view my account. After speaking to several representatives, I learned that I needed to " verify my eligibility '' by submitting documents proving that I am in the military. When I asked them why I did not receive an email or phone call informing me of this issue, I received no explanation, but I was re-granted membership in the credit union. Then, after driving the car for an entire month, I learned from NFCU that because I purchased a salvage title vehicle ( it is a theft recovery with no history of collision ), a fact which I did not hide from them and which was freely available to them on the state 's XXXX XXXX search website, my loan would be converted to a " signature loan, '' and the interest rate would go from 5 % to as high as 18 %! I asked why they missed the " salvage '' brand in the title search, but they told me it was my responsibility to inform NFCU and that I was lucky enough to be paying the lower interest rate until the loan is converted to a signature loan. A representative pointed me to a sentence buried in the middle of a paragraph on the XXXX page of the security agreement that I signed to justify this interest rate hike. It reads : " The owner ( s ) will maintain property insurance on the collateral covered by this Security Agreement against loss and damage with a collision deductible of no more than {$500.00}. '' He told me that this sentence justified NFCU retroactively hiking my interest rate because buying a car with a salvage title constituted breach of an agreement to maintain insurance on the collateral. I have insured this vehicle through XXXX, and their representative informed me that I had collision insurance up to the vehicle 's value. I did not realize that a salvage title would severely reduce the vehicle 's value, but I also did not nor do I think that this sentence in the security agreement or any of the statements made to me before I purchased my vehicle justify the interest rate hike that NFCU is trying to impose on me. In my opinion, the fault does not lie with an unsophisticated consumer, but with an enormous banking institution that failed to do its job by giving easy credit without doing its due diligence.
Product: Money transfer, virtual currency, or money service

I have been a Chase Customer for over 10 years. I usually send wire transfer to my family abroad through the bank lobby. But on XX/XX/2020, I was turned away at the bank and asked to send the wire transfer by myself using the Chase App. The reason given was that my branch at XXXX XXXX XXXX XXXX XXXX in XXXX, Texas was temporarily closed and other bank lobbies were closed due to Covid-19. And so I was forced to attempt this transaction by myself for the first time without any help or tutorial videos. The wire transaction details are as follows : Wire Date : XX/XX/2020 Wire Amount : {$400.00} Wire Transaction # : XXXX Wire Reference # : XXXX Unfortunately while conducting the transaction, I entered the recipient 's account number wrong. I noticed this immediately after I sent the wire. Since Chase Bank disclosure on the website allows corrections to be made within 30 minutes of sending a wire transfer without any fees or penalty, I immediately called Chase Bank customer service and requested an amendment to my wire transfer to correct the error. The Ref # for that phone call is XXXX. I was told by the agent that someone from the Wire Department will reach out to me within 24 hours to validate the request. By the end of the next day I did not hear from anyone at Chase Bank so I called again on XX/XX/2020 and was advised by another agent to re-file my amendment request ( Phone call Ref # XXXX ). Again I was told that someone from the Wire Department will call me. No one did. On XX/XX/2020 I called Chase Bank yet again and was advised by another customer service agent to wait a few more days to hear back from Chase ( Phone call Ref # XXXX ). Again, no one called or emailed me from Chase. Finally, on XX/XX/2020, I called Chase Bank and demanded to speak to a Manager. I requested an escalation of my issue and she did ( Ref # XXXX ). Since then, I have called Chase Bank several times to follow up on this issue and the wire transfer phone line has never been answered, but rather a recording directs customers to send an email while the email center advises customers to call the wire transfer line. The only communication I received from Chase Bank was an online secure message telling me that the transaction can not be amended or reversed, but without telling me how and when my money will be returned to me. I need my money and fees refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of IdentityTheft Ive been trying to have a Fraudulent account removed from my Experian credit file and Experian keeps violating my rights as a consumer by not sending me any documents to my home address showing the results or anything they just been updating the account on their website saying that the account has been verified by the creditor which that cant be possible because i was a victim of identitytheft i need them to show me actual proof, documents or any evidence that the account is actually mine if they cant show proof they need to delete the account as they been playing games and messing my credit score Note : they also have the account listed with 2 account numbers which thats inaccurate information and errors and should be DELETED immediately
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice | had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was settled XX/XX/2020, however my credit report is showing that I still owe a balance of {$800.00}. I have received a letter from XXXX XXXX Cardmember service verifying this and I am attaching it. 

My balance is XXXX. I have disputed this before but XXXX XXXX fraudulently claimed I still had a balance. They also agreed to correct this two months ago, but have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - XXXX XXXX : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$610.00} {$610.00} {$300.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 120 Days Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit bureau has ignored my request to investigate 9 inquires that currently sit in my credit file, I compared my XXXX, Transunion and XXXX scores and details and Transunion is showing almost XXXX point variance, when I looked more thoroughly I noticed there were an exorbitant amount of inquiries, when I contacted the lenders that alleged pulled my Crdit they says they haven't pulled my credit I asked Transunion to investigate they did not comply, I disputed these inquiries by mail and online multiple times. these arent my inquires. 

XXXX. XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX ( Auto ) XX/XX/XXXX XXXX. XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Auto ) XX/XX/XXXX XXXX. XXXX ( Bank ) XXXX XXXX, XXXX
Product: Credit card

I have been charged three excessive late fees for XX/XX/year> ( {$30.00} ), XX/XX/year> ( {$41.00} ), and XX/XX/year> ( {$41.00} ), which is quite high on top of the high interest rate of the credit card.
Product: Credit reporting or other personal consumer reports

account is over 7 years and FCRA law requires it to be removed 15usc 1679c 15usc 1681c
Product: Payday loan, title loan, or personal loan

I have dealt with this company for quite some time over at least the last year or more. Their website clearly states that we have the right to pay off loans early with no penalties. I paid off two or three loans I had off early as per their website. However, when I took out this last loan, I believe I was penalized because of my great paying history and my ability to pay my loans off early. In the past, the very same loan amounts, I would pay around or near {$160.00} per paycheck. However, when I took this most recent loan amount out, my biweekly payment was {$410.00} per paycheck for nearly the same loan amount in which I was paying {$820.00} per month since XX/XX/XXXX. I just looked at my loan balance and it clearly shows my balance as {$410.00} but I am unable to obtain a payoff amount and the payment schedule shows that the loan does not pay off until XX/XX/XXXX. I emailed the company today, called twice in XX/XX/XXXX in which they decreased my payment amount from {$460.00} to {$300.00} per pay period. I also called in XXXX and was told there was nothing that they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Balance {$1500.00}
Product: Debt collection

The following documentation demonstrates that this third-party debt buyer is not reporting accurate information and is failing to report information correctly and therefore is violating the FDCPA and the Fair Credit Reporting Act. In addition, since the debt is from XXXX this account has passed the 7-year limit from date of charge-off under the Fair Credit Reporting Act [ 15 USC 1681c ( a ) ( 4 ) ] to report a collection account. However XXXX, XXXX and XXXX XXXX keeps reporting inaccurate, false information to all three credit bureaus.
Product: Debt collection

Subject : Dispute of Debt Claim - XXXXXXXX Cell Phone Payment I am writing to formally dispute a debt you ( XXXX. XXXX ) claim I owe, as stated in your recent collection notice. The debt in question pertains to a unpaid XXXX cell phone payment amounting to {$14.00}, allegedly linked to my former employer, the City of XXXX XXXX, FL. 

I would like to clarify that I retired from my position with the City of XXXX XXXX in 2018. During my employment, I was issued a company cell phone that was paid for by the city. Upon my retirement, all company property, including the cell phone, was duly returned. 

I have attempted to explain this situation over the phone, but it appears there has been a misunderstanding. I assure you that I am not responsible for this alleged debt. I have no knowledge of it, nor did I incur any charges related to a XXXX cell phone after my retirement. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting from ( I.C. Systems ) to show validation of this debt. Please provide me with : 1. The agreement that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature stating that I have agreed to assume the debt.
3. Detailed statements and documents outlining how the debt amount has been calculated.
Product: Mortgage

I had my mortgage through XXXX XXXX XXXX and was sold to Specialized Loan company. I have been unemployed since XXXX and have been going through the XXXX process since then. I have explained this to this company on multiple occassions. I was in a government program to help with my payments in hopes that my XXXX claim would be approved and I could maintain my payments on my own. After the program ended I filed for 2 modifications to help me keep my home. The first one was denied due to the fact they increased my payment to see if I could pay the new amount before the final modification was approved. The second was denied because my income was lowered and they said there was not a program I qualified for and that if I did n't make my account current they would start foreclosure proceedings. In XXXX XXXX I borrowed from everyone I could and came up with over {$4000.00} to save my home. I made the payment through my bank to them which was sent back. I called and questioned them and they said that since I was behind they could not do an automatic payment and said I had to do XXXX XXXX or a check over the phone for which they wanted to charge a fee. After I threw a fit they waived the fee. I then applied for a forebarence so that I could have some time to get a little breather to come up with money to stay current. I just found out today that they mailed the decison on XXXX/XXXX/XXXX and that they denied me because I did n't have a qualifying hardship. I do n't understand what that even means. I asked to talk to someone else that could explain to me why it was denied and was told that there was no one I could talk to and that the decison was final. But in the next breath the rep tells me that I could re-apply again if I chose to do so. What is the point? What is the point of degrading yourself to ask for help and they are not trying to help you keep your home? I absolutely can not stand this company. I do n't even know what else to do at this point.