23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I initiated a refinance for my home with Rocket Mortgage around XX/XX/2022. Everything was moving along until we came to getting the Payoff letter from XXXX XXXX XXXX ( XXXX ), my current loan servicer. According to Rocket, the payoff letter sent by XXXX, did not include a " XXXX XXXX '' from XXXX XXXXXXXX. Therefore, the title company held the title with the XXXX XXXX and would not release it. Now my interest rate lock, as well as my appraisal money that was charged on my credit card, are now in jeopardy. 

I got on the email and group everyone together on an email Rocket, XXXX XXXXXXXX, XXXX and XXXX ( XXXX is an arm of XXXX. XXXX was my initial servicer, when they transferred my mortgage to XXXX for servicing ) letting them know that, my interest rate would be expire on the XXXX of XXXX ( ( this started in XXXX ), if i didn't get a corrected payoff letter in a timely manner. Well, i didn't get the letter until the day of the XXXX - 3 month later! Rocket Mortgage will not honor the interest rate, and the interest rate went up, even though XXXX sent it on the XXXX. Rocket has been calling me and trying to push me into the higher interest rate refinance- i don't want a higher rate, that is not in my best interest! 

Now i can not refinance with any bank, because i wasted 3 months waiting for the corrected payoff letter from XXXX. Interest rates have gone up even higher, than what was locked. NONE of this error is my fault. I am not sure why i was penalized by not getting the rate i agreed to, and losing {$500.00} in appraisal that Rocket told me i will not get back, even though the letter came on the day of the XXXX. This is not FAIR! I am back to square one!
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS CLOSED DUE TO FRAUD/IDENTITY THEFT AND NEEDS TO BE DELETED FROM MY CREDIT REPORT

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

THE ACCOUNT SHOULD NOT STILL BE REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT ex...late payments, charge-offs, collections etc...
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed there were several late payments and inaccurate payment history information, the accounts are XXXX, XXXX XXXX, AND XXXX XXXX I hav never been late on my payments for those accounts. Please investigate and provide proof that those payments were late. If proof can't be provided I demand that these payments be updated to " PAID AS AGREED/NEVER LATE '' as they should due to the fact that I was never late. Thanks!
Product: Debt collection

This debt has been charged off, and have not received a 1099c
Product: Checking or savings account

I signed up for Marcus and deposited $ XXXX in savings to the account using my XXXX  of XXXX account. 

I tried to withdraw $ XXXX to the same checkings account on file ( XXXX  of XXXX  ) and Marcus blocked the transfer saying the phone number on file does not meet their verification criteria. 

They have not informed me what the next steps are and have just said that the funds can not be withdrawn until specialist review as the phone number does not meet their criteria.

Looking online it seems many customers have had the same issue recently with Marcus. The number on file is a valid US work mobile number that I used to sign up to the Marcus service and make deposits/account logins with. I'm unsure why the number is fine to deposit money but can't be used for withdrawals.
Product: Student loan

The service provider is still contacting and harassing me about student loans. Under COVID-19, payments are supposed to be postponed, yet I'm still receiving emails and phone calls
Product: Debt collection

I don't recall having a contractual relationship with RADIUS GLOBAL SOLUTION Account Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting child support debt which is not supported by a court hearing. 
Debt reported is not based on any financial record. 
XXXX has admitted that there is mistake in the account and lost records but with not fix the problem. 
I have filed disputes and submitted documents to all the three credit reporting agency they claim an up date has been made but the inaccurate debt is still being reported, The fraudulent information created on XX/XX/16 via a fraudulent court order which reports a false debt of XXXX, XXXX as of XX/XX/16 no record exist to support that debt. No records exist that notice of a hearing referencing such a dent was served on me. 
This debt is cost me money and is preventing me from housing and medical insurance. 

Office of Attorney General is the company responsible for providing this false debt information. I have been in consistent contact and dispute with the XXXX since 2016 about this false debt reporting the furnishing of false information to credit companies.
Product: Credit reporting or other personal consumer reports

I obtained a refreshed copy of my credit report today and noticed that there are multiple fraudulent inquiries that are possibly hurting my chances at obtaining credit. I did not authorize these companies to inquire into my consumer report so I believe this is identity theft in progress. The inquiries in question are as follows on my consumer report : XXXX XXXX XX/XX/2023 Experian XXXX XXXX NA XX/XX/2023 Experian XXXX XXXX XX/XX/2023 Experian XXXX BANK XXXX XX/XX/2023 Experian Transform Credit XX/XX/2023 Experian
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX a company called Moneylion.com took {$2500.00} in a transfer. There is also {$4500.00} pending. I have no idea what this company is and when I try calling the number listed you can never actually talk with someone they just keep giving you an estimated hold time
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to XXXX XXXX XXXX  asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. 

My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. 

After receiving this I responded on XX/XX/XXXX via certified mail advising XXXX  XXXX XXXX  that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. 

On XX/XX/XXXX XXXX XXXX XXXX  received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX  and notified all 3 credit bureaus of this company 's action. I need these debts DELETED from credit profile IMMEDIALELY. 
I will attach every correspondence sent to and from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate information unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit. I am requesting immediate corrective action to remove disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer
Product: Vehicle loan or lease

The auto loan we have with avid acceptance has been in great standings from the first date of open. 
This month someone emailed me about the payment, I am still within my 10 days before it becomes late. 
I expressed to the representative that the car was being paid off and requested a 30 day payoff. 

This was their response. 
Thank you for getting back to me. The 30-day payoff amount is {$8400.00}, good until the XXXX of XXXX. While you are in the process of paying off the loan, we will still need the payment within the grace period ending Friday XX/XX/16. 

*I already explained my intentions. Several collection calls have been made since then. 

Then I got this email on XX/XX/16 Please reach out to me to discuss options for your account. If there is no communication, collection efforts will continue to escalate. The sooner we know what the issue is and what your intentions are, the sooner we can help. Contact me today to discuss options and deadlines. 

* I had already spoke with previous representative about my intentions so why am I being threatened with escalated collection efforts? 
I have never had missed payments on this loan. Yet I am being treated as if I am skipping out on my debt. 

My response was this. 
I have already explained to the first representative. The car is being paid off. There has yet to be a late fee on my account yet I'm being threatened with futher collection actions? The payoff will be paid within the next 30 days. Please make a note on my account so I do not continue to get threatening emails. I understand your " policy '' however this is the plan. 

* & this is what I received in return. 
I will notate this on your file, however, there will be a late fee assessed at end of business today. Until the payoff is received, you are still responsible for payments to be made on time. Accurate reporting and collection efforts will continue. 

*if I am in communication with the company about my intentions I do no feel it is right for escalated collections. This is not fair practice at all.
Product: Debt collection

On XX/XX/2020, I contacted XXXX XXXX at Improved Data Services. I firmly told him to not contact my extended family members as that is unacceptable and not appropriate for debt collection. After confronting him about contacting my extended family member ( 14 times in the last week and a half, which is absolutely unnecessary ) he stated it was to " verify my employment '' which is unnecessary as it is because I've not had a judgement or have been served papers for garnishment of my wages. I left him a voicemail stating I wanted no further contact as I've hired a bankruptcy attorney and that all contact will be going through them starting XX/XX/2020 and that I would be mailing them a letter stating I want no further contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent three dispute letters to all three bureaus asking them to validate my debt about an item on my credit report. Transunion sent me back a letter on XX/XX/XXXX, letting me know they want to help me ensure my report is accurate. On XX/XX/XXXX, XXXX sent me a letter stating that the investigation results would be removed. And XXXX never returned anything from when I sent out the letter 30 business days ago. To my understanding, I've been told that inaccurate information on a consumer 's credit report must be removed if it is not 100 % substantiated. This affects my chance of getting my dream car and relocating to housing.
Product: Credit card or prepaid card

XXXXAspire XX/XX/XXXX inquiry XX/XX/XXXX removal another inquiry on XX/XX/XXXX removal date on XX/XX/XXXX same company with XXXX inquiries and removal dates XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing this second formal complaint regarding LVNV Fundings continued presence on my Experian credit report. Account number XXXX. While XXXX XXXX has verified the account, I am disputing the validity and continued reporting of this collection account. Despite my previous dispute, this account remains on my report, and it is severely impacting my ability to rent a home for my children. Furthermore, Experian has failed to resolve this matter within the legally mandated time frame, violating my rights under federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), Experian is required to investigate and correct or delete disputed information within 30 days. Since this dispute has exceeded that period, Experian is now in direct violation of this provision. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Since I continue to dispute the accuracy and validity of this account, its continued presence suggests noncompliance with this legal requirement.

Furthermore, under 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors, including XXXX XXXX, are prohibited from reporting information they know or should know to be inaccurate. The ongoing reporting of this disputed account without adequate validation of the original debt could be considered a deceptive and unfair practice under 15 U.S.C. 1692f.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted transunion multiple times about inquiries that are on my report that are fraudulent and I even sent in police report from my purse being stolen and an ftc report and still they will not remove them and all other credit bureaus has remove the inquiries from their database
Product: Debt collection

In review of my XXXX credit report on XX/XX/2023, I noticed a " collection '' account being reported by a company by the name of Synerprise. I do not know who this company is and why they have placed a collection on my credit file. I'm requesting that they " Validate '' this debt by providing me with the following : * Provide me with a copy of my HIPPA release from the medical creditor that releases my medical information to you, therefore by providing such information they are in violation of my HIPPA rights. 

* Contract : provide me with a contract agreement between SYNERPRISE and XXXX XXXX, bearing my signature agreeing to any extension of credit, etc. * Delinquency : the first date of delinquency in accordance with FCRA sec 623 ( a ) ( 5 ) ( a ) ( b ). 

* Original documents to show details of charges A summary of all account activities, including all payments made, late charges, interest, dates of payments received, date of payments posted, charges made and date of charges posted. 

Please do not provide me with a " Verification '' of debt, but Validation within the guidelines of the Fair Debt Collection Practice Act 15 USC 1692g ( a ) ( 1-5 ) ( b ).
Product: Debt collection

I am disputing Account Number XXXX, with XXXX  XXXX XXXX. I have been paying {$300.00} a month for more than a year and XXXX  XXXX XXXX continues to state on my credit report that this is a charge off. The amount owned never changes as well. 

Example of XXXX  : XXXX  XXXX XXXX XXXX {$24000.00} Closed 27 charge-offs Example of Transunion : XXXX  XXXX XXXX Last reported XX/XX/2020 {$24000.00} Reported balance Remarks Charged off as bad debt Profit and loss write-off Transunion and XXXX  please remove from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote a dispute letter to Equifax regarding an invalid collection account that is reporting on my credit reports. Specifically, the letter reads the following : Dear Customer Service Representative, I recently viewed my credit report and see you are reporting incorrect information. 

I never had a collection account with 06 XXXX  Acct # XXXX. Please delete this account from my credit report and send me an updated copy showing the results. 


As of XX/XX/23, I have not received a response from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 Portfolio Recovery Associates sent me a letter of collection and added a derogatory mark to my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send me a bill and say its mine. Further more there is conflicting information such as dates the account was opened is listed different on my credit report vs paper work they have sent me. According to the FCRA, PORTFOLIO RECOVERY ASSOCIATES has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many letters do a conusmer have to send to the Credit Bureaus in order for the removal of the fraudulent items from my Credit Report? This is just ridiculous! I have been requesting for the removal of the disputed accounts and information from my Credit Report and it is clear that the Credit Bureaus have become negligent and incompetent of my requests as well as their responsibility with the FCRA section 605b. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft after 4 business days of the day of receipt of the letter. The fist letters I sent was dated XX/XX/XXXX with complete attachments of my personal Information as well as the ID THEFT REPORT I received from the FTC. The last letter I sent was dated XX/XX/XXXX with the same attachments. But despite all the attachments, letters, anf CFPB Complaints I do, it is clear that the Credit Bureaus have never paid attention to my disputes and have kept stalling the removal of the disputed items. Under the provisions of the FCRA section 605, I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$85.00} US DEPT ED XXXX Balance : {$7500.00} US DEPT ED XXXX Balance : {$7400.00} US DEPT ED XXXX XXXX : {$7200.00} US DEPT ED XXXX XXXX : {$4100.00} US DEPT ED XXXX XXXX : {$3600.00} US DEPT ED XXXX XXXX : {$2600.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023, i went into my online Bank of America account and noticed all these charges on my Visa card. They were all from XXXX XXXX XXXX. Someone had charged items from XXXX and XXXX XXXX. I immediately went to the Bank of America on XXXX XXXX in XXXX and spoke to an employee there ( dont remember his name ) .He called fraud Dept. for me so I could talk to them. They said they would investigate and the next day the charges were removed. I called XXXX and they told me they would investigate. Two weeks later the charges were back on my card. I was never notified by the bank that they were going to do that. I called the bank again and they then they told me that the charges were put back because XXXX sent them a letter stating that I signed something saying they were my charges, which is a lie. The Bank never showed me a copy of it and now XXXX is sending it to a collectiion agency, which means I willl have to pay twice for something I never bought in the first place.The bank never paid XXXX the money either. XXXX keeps trying to put the purchases through on the cancelled card.
Product: Debt collection

Subject : Debt Validation Request Pursuant to FDCPA ( XXXX XXXX. XXXX ) To Whom It XXXX Concern, I, XXXX XXXX, am formally disputing the alleged debt referenced in your communication with me. Under XXXX XXXX. XXXX, I am requesting that you validate this debt and provide evidence that I am legally obligated to pay. 

According to XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. App. XXXX ), a simple assertion of a debts validity is insufficient. You must provide : Proof of the original contract with my signature, demonstrating my legal obligation to pay. 

A full itemization of the alleged debt, including principal, interest, fees, and any additional charges. 

The name and address of the original creditor. 

Documentation that your company has the legal right to collect this debt, including a valid assignment or chain of title. 

Under XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), if you fail to provide adequate validation within XXXX  days, all collection activity must cease immediately. Additionally, continued reporting of an unverified debt to credit bureaus XXXX constitute a violation of the Fair Credit Reporting Act ( XXXX  ) under XXXX XXXX. XXXX ( b ), as established in XXXX v. XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

Failure to comply with this request XXXX result in legal action against your company for violations of FDCPA and FCRA, including statutory damages of up to {$1000.00} per violation ( XXXX U.S.C. XXXX ), plus attorney fees and court costs. 

Additionally, per XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), even attorneys engaged in debt collection must comply with FDCPA regulations. 

Until proper validation is received, I request that you : Cease all collection activities, including phone calls and letters. 

Refrain from reporting this debt to credit bureaus or, if already reported, mark it as " in dispute '' ( XXXX XXXX. XXXX ( a ) ( XXXX ) ). 

This letter serves as a formal dispute and Cease and Desist notice under FDCPA and FCRA. If you fail to respond appropriately within XXXX  days, I will escalate this matter to the Consumer Financial Protection Bureau ( XXXX  ), Federal Trade Commission ( XXXX  ), and my states Attorney General. 

Please respond in writing to the address provided. 

Sincerely, XXXX XXXX Without Prejudice, All Natural Rights Reserved
Product: Mortgage

When closed the loan my monthly payment supposed to be {$1200.00}. I pay my insurance and taxes separately and not through the escrow. In XXXX my lander informed me that there is a problem with my insurance and they will place forced insurance on my account. 
I called my insurance agent and we fixed it. But last 4 months my lender keeps charging me {$2700.00}!!! Every month. I called to the lander multiple times, they can't explain to me why? I overpaid my monthly payments in few thousands of dollars already and nobody helps me to fix that issue. They keep charging me {$2700.00} instead of {$1200.00}