23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My previous mortgage ( XXXX ) was purchased and transferred to another mortgage company, Freedom Mortgage ( FM ), on XX/XX/XXXX. Their lousy payment process had lost my payment last year. Again, at beginning of this year ( XX/XX/XXXX ), they just added late fee {$86.00} to my account ( XXXX ) without any proof of latency. My bank ( XXXX ) has been set up recurring payment scheduled XXXX day of each month and leave more than half month before due date. However, their payment process delayed to clear my check until almost the end of month. I have my bank payment recurring payment with mortgage for more than ten years and never has latency issue with XXXX. The bad experience just happens as I complained to CFPB last year. FM not only has less effective payment process, but no help and useless customer service personnel they have. I asked my bank to send a good faith letter to prove the sending date of payment and no response from FM. 
I can provide my more details of bank account, regular payment, and their messed mortgage statements as evidence. Thank you for help
Product: Vehicle loan or lease

Car was totaled had insurance and XXXX XXXX still shows up
Product: Checking or savings account

I filed a dispute regarding a double charge on my Capital One 360 debit card. XX/XX/XXXX I had funds in my acct {$85.00} to pay the merchant, the merchant swiped my card and the merchant stated the charge was declined, they swiped the card again and stated it was declined again so I gave them a different card from another bank and the transaction went through just fine. XXXX that evening I received a notification from Capital One 360 that the transaction went through to the merchant. The next morning XX/XX/XXXX at XXXX I received a notification that the transaction went through again. I contacted the merchant and they told me to contact the bank. I did contact Capital One 360, so they gave me a provisional credit after 10 days of my complaint. XX/XX/year> Capital One 360 reversed the provisional credit sending my acct into the - {$85.00}. I have proof where I paid the merchant with another card when the merchant advised me that the card declined twice on XX/XX/XXXX and never even swiped the card on the XX/XX/XXXX because of the declination on XX/XX/XXXX. I have proof of where I paid the merchant on XX/XX/XXXX with another card as well. I called Capital One 360 to have the reversal of the provisional credit removed, they placed me on hold came back to the line and stated nonsense, they do not know why the reversal of the provisional credit was done, and they need more time put me on hold again and eventually hung up. They have refused to assist me when they were given proof. They basically caused my acct to overdraw and will eventually close the acct. This is the second time I have had an account with Capital One and they have done this same thing a second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED USBK COURT XXXX CALIFORNIA Docket # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Filed : XX/XX/XXXX Date Paid : XX/XX/XXXX Date Updated : XX/XX/XXXX Type : CHAPTER XXXX BANKRUPTCY DISCHARGED Responsibility : Individual Debt Court Type : Federal District Plaintiff Attorney : PRO SE Estimated month and year that this item will be removed : XX/XX/XXXX USBK COURT XXXX CALIFORNIA Docket # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE I HAVE NEVER FILED FOR BANKRUPTCY PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX COUNTY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE PLEASE REMOVE IT OFF MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX Is a Collection Company and should not have a past due amount or date by default
Product: Debt collection

FOCUS FIN ACCOUNT NUMBERs : XXXX XX/XX/XXXX ADDRESS : XXXX, XXXX, FL XXXX PHONE : XXXX FAX : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FOCUS FIN or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission FOCUS FIN acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Product: Debt collection

On XX/XX/XXXX I was served at my home at XXXX. Upon opening the summons, I received my first notice that a medical account I had been making regular payments on, was sent to XXXX XXXX XXXX and they were suing me for judgment for {$1000.00} plus attorneys fees and costs. Prior to this, I had still been making payments to XXXX XXXX and had no reason to believe my account had even been sent to collections, neither had I ever received written notice from XXXX XXXX showing a balanace owed for this account. When I called XXXX XXXX  XX/XX/XXXX at XXXX, I spoke to two different people and was told by the manager that this is what happens when you put a blind eye to your mail. Never have I ever received a statement of this account or any other notice prior to a summons. I tried to set up payment arrangements for even double what I have been paying to XXXX XXXX, but was told by the manager that if the amount wasnt paid by the court date the judgement would be entered anyway, so my efforts to resolve the issue out of court were unsuccessful. I have also filed a case with usps in complaint that I am not receiving mail, as was advised by XXXX XXXX to do. That case number is XXXX, filed XX/XX/XXXX at XXXX and is pending investigation.
Product: Credit card

This Wells Fargo account has been closed over 7 years. According to the Fair debt credit act no account can continue the list on your credit that's bad or closed after 7 years. This company continues to show it and also continues place remarks on the account that's an illegal act findable for up to {$1000.00}. According to US 1692 k Please have Wells Fargo/ homeprojects remove this account immediately it's past the statute of limitations for Virginia
Product: Credit reporting or other personal consumer reports

To whom it may concern, I hope this message finds you well. I am writing to urgently address a serious issue regarding my TransUnion credit report. 

Upon reviewing my credit report, I was dismayed to discover the presence of a collection account that I have absolutely no knowledge of. After thorough investigation, I have determined that this entry is the result of fraudulent activity. In response, I have filed an identity theft report with the appropriate authorities. 

Despite my efforts to dispute this fraudulent collection account through TransUnion, I have encountered significant obstacles in the resolution process. Allow me to outline the sequence of events : * Request for Original Contract : I initially requested copies of the original contract pertaining to this account from the XXXX XXXX XXXX the purported original creditor. However, despite multiple attempts, I have not received the requested documentation. 

* Dispute with TransUnion : Subsequently, I filed a dispute with TransUnion regarding the fraudulent nature of this collection account. It is important to note that TransUnion is the only credit bureau among the three that reports this collection. 

* FCRA Compliance : According to the Fair Credit Reporting Act ( FCRA ), it is prohibited to report fraudulent or inaccurate information on consumer credit reports. This collection account, being the result of identity theft, violates these regulations and has inflicted critical damage to my financial standing. 

* Collection Agency : The collection account in question is currently held by XXXX XXXX XXXX XXXX, a collection agency. Despite my diligent efforts to rectify this situation, the account remains on my credit report, causing significant harm to my creditworthiness and financial stability. 

Attached to this message, you will find a copy of the identity theft report that I have filed. This document serves as unequivocal evidence of the fraudulent nature of the collection account. 

In light of the foregoing, I demand the immediate removal of this fraudulent collection account from my TransUnion credit report. I implore you to take swift and decisive action to rectify this egregious error and alleviate the distressing consequences it has inflicted upon me. 

Please keep me informed of the steps being taken to address this matter. Your prompt attention to this urgent issue is greatly appreciated. 

Thank you for your cooperation and understanding. 

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

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXXXXXX {$9300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Discover deceitfully reported my current balance instead of the statement balance on the day my bill closed which was {$70.00} and my credit score dropped over 37 points. I called and spoke with a supervisor XXXX who stated she would submit a dispute to Discovers credit bureau investigation team. This needs to be corrected immediately as this is an illegal practice. I am not legally responsible for a balance that wasnt billed to me ( especially for a pending transaction that hadnt posted when my bill closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Four months ago I signed up with Debt Blue to assist me in resolving my debt crisis A debt settlement with XXXX XXXX was 50 % off what was owed. 
Suddenly excessive fees occurred. {$690.00} and another {$250.00} was withdrawn from my account with XXXX XXXX. No explanation prior to withdrawal. This is a predictor practice. Immediately I would have my account closed with Debt Blue and a full refund that was withdrawn from my bank account.
Product: Student loan

I consolidated my loans through FedLoan Servicing. I am currently on PSLF and as instructed, have been attempting to get on the lowest payment plan since approximately XX/XX/XXXX. I was originally quoted as having a monthly bill of approximately {$220.00}. However, when my first bill came in ( XX/XX/XXXX I believe ), the bill was approximately {$330.00}. I was told that I needed to switch to the revised income based repayment plan to get the monthly bill I was originally quoted. I reapplied and was given the same monthly bill amount. I was told there was an error and that I needed to reapply once more. I did so, was quoted at approximately {$220.00}, but then there was another error. For some reason, I was not switched to a different plan and my bill was still {$330.00}. This continued for months. I do n't know how many times I have reapplied. The most recent application was filed on XX/XX/XXXX. During all the period ( s ) when I awaited the determination of what new plan I would be assigned, the account was switched to standard repayment ( a bill of approximately {$500.00} per month ). I called and was informed that unless I went into forbearance, I would need to make standard repayments. I can not afford {$500.00} a month, so I had no choice. As a result of all this, my account has been in forbearance all but one month since XX/XX/XXXX. I have finally been informed that I will be switching to the pay as you earn plan and will have a bill of {$210.00} per month starting on XX/XX/XXXX. That is what I wanted back in XX/XX/XXXX when I originally applied. Meanwhile, I have been in forbearance. As such I have only been able to make one qualifying payment towards the 120 for PSLF and my overall debt has increased greatly due to these forbearances. This is just wrong, plain and simple. Even if you only consider my most recent application, it has taken four months to process. If you consider the time since my initial application, it has been ten months. Additionally, in XX/XX/XXXX I will be switching to a new job. I do not want to have to go through the same thing all over again and wait ten months!
Product: Debt collection

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX NAVY FEDERAL CREDIT UNION failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report this negative account remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. XXXX XXXX ( Original Creditor : XXXX NAVY FEDERAL CREDIT UNION ) XXXX.
Product: Mortgage

I contacted Everhome Mortgage to advise them that I was looking at selling my house on land contract and asked if that was allowable under my mortgage. They advised it was and that I simply needed to make sure that I provided them with proof of insurance from the new buyer when the sale was completed. I made sure that I complied, having the buyers insurance company sen Everhome evidence of insurance for the closing showing the buyer paid a premium of {$280.00}. Everhome in turn submitted a check to the insurance company for {$280.00}. although the insurance was shown as already having been paid. The payment was made to the insurance company on XX/XX/XXXX. On XX/XX/XXXX another check was sent to XXXX XXXX XXXX out of my escrow for {$900.00}. XXXX XXXX XXXX XXXX claims that they never sent Everhome any bills but simply evidence of insurance. XXXX XXXX XXXX in turn sent a refund to the buyers agent for the combined amount and the buyer 's monthly insurance premium was reduced by the buyer 's agent - with no explanation as to why. Therefore the buyer had no idea someone else paid their insurance. 
I contacted both Everhome Mortgage and the insurance broker and each continued to tell me it was the others problem. In the mean time Everhome increased my monthly payment requirement to the escrow account. 
I finally got the insurance broker to agree tto start a process of reimbursing me however it is impossible to make any progress in my attempts to keep Everhome from making a payment to the insurance company when they send proof of insurance again. I continue to be told by Everhome personnel ( I believe both phone calls to their customer service rep XXXX on XX/XX/XXXX, the first shortly after XXXX were recorded ) that when they receive proof of insurance they will send a check to the insurance company. I have been told it makes no difference if the proof of insurance shows no premium is due or the policy has been paid in full. I have been repeatedly transferred around, put on hold and transferred back to the area that originally transferred me time and time again. It appears that Everhome subscribes to the policy that if they transfer you enough times you will get frustrated and stop calling. All I want is to get them to stop paying someone else 's insurance company that is n't asking for money.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly.

I request that you promptly eliminate these accounts from my credit report, aligning with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. 
XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Bank account or service

I received a request from " Money Network '' to verify my identity. The request was for XXXX of the following items : Social Security card, Passport, Driver 's License, Military I.D., Green card, etc. 
The letter said they needed these documents to upgrade my account to a Premier Account. They asked for the documents to be mailed to Money Network, XXXX XXXX XXXX XXXX, XXXX GA XXXX. Or, fax to : XXXX.
Product: Payday loan, title loan, or personal loan

In accordance with 12 CFR 1026.15 ( a ) & ( b ) I, XXXX XXXX XXXX, the consumer, have the Right of Recission and I have the right to be notified of my Right to Rescind said contract with TITLEMAX/TMX FINANCE. Neither of which were notified to or acknowledged by me, the consumer, via writing through mail or signed wavering Rights within the XXXX XXXX of the initial paper contract of XX/XX/2021 all the way through the virtual renewals when payment was rendered amid XXXX XXXX of contract longevity. This letter serves as notice to all parties involved in my Right to Rescind the current contract that I, the consumer, have with TITLEMAX/TMX FINANCE made current as to the day of this letter. I, the consumer, motion to Recission in the sense of Terminating/Rescind the contract due to non-notification of Rite of Recission and vitiating factors of misrepresentation and undue influence tactics of CHARGES and FEES for the duration of said contract. I, the consumer, was not properly informed that the monthly payment amount of $ XXXX would not go towards the amount borrowed ( Roughly {$1900.00} ) and was essentially considered a GIFT for renewing the contract and I, the consumer, was not informed of the daily interest that accrues past the payment date. All to which Violates my RIGHTS as a consumer and The Truth in Lending Act.
Product: Credit reporting or other personal consumer reports

I have sent out a letter to XXXX, XXXX, and Experian on XX/XX/year> and none have responded it is now XX/XX/year> Experian claims that because of there policy I can not dispute an address a company ( XXXX  XXXX ) is reporting even tho its inaccurate so meaning that they think that there policy is above the federal law which state that a consumer can dispute any information that are inaccurate which is effecting my rights to equal credit I also I also would like them to reinvestigate XXXX  XXXX and XXXX XXXX for failing to respond to my validation letter as well as XXXX and XXXX my consumer profile should be correct and fix to reflect that its 100 % accurate as per law
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, Synchrony Bank, XXXX XXXXXXXX XXXX. Has reported inaccurate and illegal information to my XXXX credit file. I have never agreed to or given permission to any of these companies to share, report or use my personal information in any form. They have use my information to report inaccurate debt and balances.
Product: Credit reporting

I have several accounts in my Equifax file that does not make any sense im filing a complaint on each one individualy detailing my concern with supporting documentation to back up my complaint. First i will start off with XXXX XXXX this account was a checkin account and went negative in XX/XX/XXXX. It was reported to XXXX and fell off my XXXX report after 5 years. This was never a payment account or credit account it was a bounce check that caused overdrfts fees that exceeded XXXX altho my report reflects positive payment history followed by a charge off in XXXX XXXX. This info is incorect and has been close to 7 years reporting inacurate outdated info. Also this account has been paid in full as of XXXX XXXX it still reflects a balance.
Product: Debt collection

This company has ruined my credit, ,Credit is needed to buy a home, rent an apartment, and buy furniture, I had insurance since XXXX  and I am still being billed for this medical debt, the hospital did used my insurance to pay for this debt