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

I found that Statebridge Company reported a discharged debt as late on my credit report ( post discharge ). 

A discharged debt can NOT be late ever. So if a creditor reports a late for a date AFTER your bankruptcy FILING date, and certainly post-discharge, dispute it. A Discharge in a bankruptcy acts as permanent injunction against the attempts by those creditors listed on your petition from ever attempting to collect on those debts. This means that those discharged creditors can not call you, send you a statement, institute a lawsuit against you or continue a lawsuit that they had started prior to filing of your bankruptcy, cant try to collect on a pre-petition judgment they may have received by garnishing wages or levying bank accounts, and they also CAN NOT report negatively on your credit report. Civil action could be filed for the violation of the BK laws. 

To boot Statebridge Company refused to take my payments and refused to communicate with not one, but two law firms. I have a recorded call on XXXX XXXX ( provided to my attorney ) and attempted contact logs from two law firms reflecting Statebridge Companies refusal to communicate and or take payment. Ironically the payments that were reported as late were XXXX, XXXX, XXXX and XXXX of XXXX ( after my payment/s were refused and a complete lack of response/communication from Statebridge Company to either myself or my attorneys ). 

I did call XX/XX/XXXX @ XXXX requesting this concern be resolved. I was told XXXX XXXX or management would be returning my call the following day, I received no return call ( in typical fashion ). I can provide the recorded call if you would like. 

I'm assuming Statebridge Company would prefer not to deal with my attorney once again as my loan was PROMPTLY sold after Statebridge Company was forced to communicate and conduct business in a legal manner. 

XXXX XX/XX/XXXX @ XXXX I called Statebridge Company XXXX XXXX XXXX to their letter stating that they could not find my XXXX. First it is public information, second I am confidant when they purchased my loan my BK was included in the documents they received. I do not feel it is my responsibility to provide them with a copy of my BK ( which included that debit ) as they are the ones who broke the law by reporting the discharged debit as late. I will re file the complaint and include for the CFPB a copy of my discharge. 

*** During my attempt to resolve this illegal reporting I contacted several employees of Statebridge Company LLC via email. Ironically one former employee responded and suggested I file a complaint with the CFPB, and let me know Statebridge Company LLC is currently under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion still reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please have them removed from my credit report. XXXX XXXX XXXX XXXX and XXXX.
Product: Checking or savings account

I am submitting this complaint regarding a misleading experience with GreenState Credit Union related to the addition of insurance charges on my loan. My loan officer, XXXX XXXX, never verbally discussed loan insurance coverage with me. After our initial call, he sent a follow-up email explaining that the loan would include life and disability insurance coverage. This email went to my spam folder, and I was unaware of its contents until recently.

In the email, XXXX stated that the loan included " Life Coverage. '' He did not explain that the cost for " Life Coverage '' would be subtracted from each loan payment I made. I did not knowingly agree to this coverage, nor was I made aware of these additional costs until XXXX, long after signing the agreement. 

Additionally, when I signed the loan agreement via XXXX, the platform highlighted required signature areas and would not allow me to proceed without signing these fields. I believed I was signing for the terms XXXX and I discussed, unaware that insurance had been added. I raised my concerns with the bank, explaining that I felt coerced into agreeing to insurance coverage because the platform wouldnt allow me to skip over the " Life Coverage '' portion of the agreement. When I explained this to XXXX XXXX, a bank representative, she stated that it was my responsibility to review all loan terms and that if I didnt want the " Life Coverage, '' I should have contacted them, even though I was not made aware that the agreement contained unexpected insurance charges.

This experience has deeply damaged my trust in what I believed to be a responsible and transparent lending institution. As a consumer, I expected clear disclosure and transparency from the bank on all aspects of the loan. Instead, I felt deceived by a practice that seems designed to impose additional fees without informed consent.

I am requesting that the CFPB investigate this matter and assist me in obtaining a refund of the premiums paid to date and the removal of this insurance charge from future loan payments.

Thank you for your assistance in this matter. 

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

THE INFORMATION LISTED DOES NOT BELONG TO ME SOMEONE USED MY INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME THAT I DID NOT APPROVE ... THE APARTMENT LISTED AND TH CABLE BILL AND CELL PHONE ACCOUNT ARE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card

On XX/XX/XXXX, a process server dumped a summons that had my name on it to my wife while I was not on premise. Regarding a credit card I held once with a banking association called FIRST NATIONAL BANK OF OMAHA. I do remember I did have a conversation with that institution once, informing them of my unemployment status, but not aware of the balance nor did I have any information in the form of statements to what that balance was. That particular credit card was destroyed, by myself, two years ago in XX/XX/XXXX. 
Now I am being sued, by a law firm called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Tel : ( XXXX ) XXXX. I have never heard of this firm, this the first time I 'm seeing anything related to a credit card account that is in arrears, and given 30 days to respond in the Superior Court of California, XXXX XXXX County, where the financial institution, First National Bank of Ohama, has never sent me any email, phone call or mail that to let me know of an outstanding debt. I have not even been given an opportunity to verify whether the debt is mine or not ( my identity was comprosed three years ago when my XXXX credit card was stolen and used- which is why I destroyed the credit cards and issued a statement, in writing, to all of the credit card companies that someone had my account information ). This law firm, XXXX, as far as I can determine, was required to at least send me a letter letting me know they had been retained to settle a debt on behalf of the finanical institution. If they had, I would have worked with them. 
Instead, I 'm getting hit with a lawsuit, without any warning, or being informed prior, that there is a debt out there with my name on it. And with any credit card, according to the Fair Debt Collection Protections Act of XX/XX/XXXX FDCPA, I was supposed to be informed and given ( x ) amount of time to contact to find out if the debt in question is mine. 
I was not given this. Instead, no communication from the financial institution, no communication from the " debt collection '' law firm it apparently was handed to. 
What I know is I have a right to review the debt, with all relevant information pertaining to it, PRIOR to having a lawsuit filed. This financial institution and this debt collection law firm violated my rights to review the debt to determine whether it was mine and respond in a timely manner. Instead, my wife gets hit with a summons of a debt that is addressed to me, and me solely, when I was not there, without any form of prior attempts of communication by the firm or the financial company. 
Which is a violation of the FDCPA and my rights as a consumer, over a debt I do n't even know if it 's mine. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one account and XXXX  XXXX account are not accurate The address connected to those accounts XXXX XXXX XXXX is not an address or prior address of mine.
Product: Credit card or prepaid card

I currently hold a Walmart credit card that that was issued to me by XXXX XXXX in XXXX. My payments have always be due the 10th of the month per XXXX XXXX   correspondence. I have never been late nor missed a payment on this account per XXXX XXXX and Capital One Bank records. I was notified in mid XXXX of XXXX the holder of my account XXXX XXXX was being transferred to Capital One Bank betweenXX/XX/XXXX. On XX/XX/XXXX I made my payment and received an email confirmation confirming my payment on XX/XX/XXXX @ XXXX pst, which would post to my XX/XX/XXXX. On XX/XX/XXXX I received an email from Capital One Bank stating " You recently missed your credit card payment that was due on Tuesday, XX/XX/XXXX. Make your minimum payment to get your account caught up. If your account isnt in good standing, your card transactions may be declined. '' I call Capital One immediately after receiving the email to inquire about my payment I made on XX/XX/XXXX. I was told by a Capital One Bank customer service supervisor XXXX that my account was in fact in default for non payment and I need to make another payment to bring my balance current. I tried to explain that I had made my payment on XX/XX/XXXX and I had an email confirmation stating I had in fact made my payment. XXXX explained that I needed to be patient due to the fact Capital One Bank was in transition from the former holder of my account XXXX XXXX. I took her advice and waited patiently until I received another email from Capital One Bank on XX/XX/XXXX stating " We understand missing a payment happens, but its easy to catch up right now. Pay your bill through our free online bankingsimply sign in to your account and make a payment. '' I immediately called Capital One Bank again and spoke with a fraud supervisor XXXX. I explained the situation again and her response was positive but she stated that Capital One Bank had not yet received all payments from XXXX XXXX. I then received the most unsettling news, my XXXX credit cards had been suspended until I made a payment and it was being reported to the credit bureaus. As of XX/XX/XXXX this issue has not been resolved and its damaging my Credit.
Product: Checking or savings account

I applied for a federal business loan and was approved. Bank of America rejected the way the FEDERAL GOVERNMENT sent the funds to my bank account which was a personal account. I applied for a FEDERAL business loan and was approved for a FEDERAL business loan. I am, and was at the time of application a fully functional business as I had filed yearly taxes XXXX years prior to the year 2020. Bank of America made a huge deal about the account I chose to receive the funds. They in turn closed my bank account, returned my loan amount back to the issuer and then reported me to XXXX as Suspected fraud and the status of the XXXX account shows as Closed : Paid in Full as if I owed them a balance. BOA also reported me to XXXX XXXX as check account fraud and the XXXX XXXX  account is shows Unpaid. This information is inaccurate as there was NO FRAUD and there was no money to be paid back to any banking institution.
Product: Checking or savings account

I opened a checking with Bank of America in XXXX that was an electronic account that had no monthly fees, as long as all transactions were completed electronically without visiting a bank location. I just recently found out that BoA started charging me monthly fees for this checking account from XX/XX/XXXX until now due to inactivity. To be clear, I honored the original terms of the account by never visiting a bank location. I called BoA on XX/XX/XXXX and was told the monthly checking fees will be refunded once the account is active again. The BoA representative said the account would be active in 2 days. I called XX/XX/XXXX to check whether the account is active and the status of the refund. The BoA representative today told me that BoA could not refund all the monthly fees because the BoA " system '' only allows them to access the past year, so only 12 months of monthly checking account fees could be refunded. The monthly checking fee is {$12.00}.
Product: Debt collection

I received multiple communications from XXXX Fair debt collection and outsourcing in XX/XX/2023, they sent notices to the old XXXX address I moved away from due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I got a hold of them, I willfully gave the my new address and asked them to stop calling me. Upon receiving the suppose " Validation '' I witnessed a contract between XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. However the cover letter stated, Debt collector, and I see no mention of FCO or XXXX XXXX XXXX XXXX on this actual contract. I asked then to Please further justify claims as they are very misleading. I asked for FCO to send me a wet ink signed contract with FCO and I. Which they have not provided. After about 30 days I received a notice from FCO stating that they would proceed with this collection and provided the same contract as they did previously and have failed to meet my requirements. No contract no case. I wrote a second letter to FCO to cease and desist. However, FCO has proceeded to report this collection to XXXX and other credit reporting agencies in XXXX and continue to report on a monthly basis. This has severely damaged my credit report and has impacted my ability to access fair and equitable credit. I attempted to resolve this matter amicably, however FCO has Violated my rights as a consumer and has not provided the information I requested and they have not damaged my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collections ), XXXX XXXXXXXX ( Collections ), XXXX XXXXXXXX XXXX ( Collections ), XXXX XXXX ( Collections ) XXXX XXXX XXXX XXXX ( Collections ) and XXXX XXXX XXXX ( Collections ). As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Product: Mortgage

Our current servicer ( 1of 6 servicers dating back to XX/XX/XXXX ) is SPS. Our mortgage originator was XXXX  XXXX XXXX XXXX ( who has been out of the mortgage industry since XX/XX/XXXX ), on XX/XX/XXXX, of whom 3 months after our closing bundled, pooled and sold our mortgage to unnamed investors, with XXXX XXXX XXXX as Trustee. XXXX was the XXXX XXXX of XXXX  XXXX. Their attempt to securitize these mortgages in the pool " failed '' they were not securitized properly. After over 50 attempts of submitting completed loan modification applications dating back to XX/XX/XXXX to all 6 of the servicers who took over our loan, it begs the question, will this complaint to CFPB make a difference? Do each and every servicer have a compiled view into the history of hardship that we have endured and that we have brought to the surface. Our struggles, pains, vulnerabilities, fears and the reality in which live every single day dating back to XX/XX/XXXX I can only have hope that this letter of hardship will make the difference as despite everything we have been through I still believe in human decency and the housing system. Simply put ; We have raised our daughter from a small girl into an aspiring XXXX XXXX in our beloved home. We have raised our son from a young boy into a United States XXXX in our beloved home. On XX/XX/XXXX, Our Son, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, lost his life serving our country. We have cared for an aging parent with a XXXX XXXX of XXXX in our beloved home which impacted our ability for one of us to continue XXXX due to the growing medical needs of an ailing parent, yet we endured. We have had countless family gatherings and holidays full of joy, in addition to gatherings of sadness not knowing if it would be the last time we would be together in our home, our beloved home. The stress on our marriage due financial troubles and repeated mortgage modification denials, yet we continue to stay strong together hand in hand and gainfully employed. We endure. All the while of submitting over 50 applications for Mortgage Assistance across many mortgage servicers and the associated stress and angst of repeated mortgage denials by the loan owner/investor, yet we endure. Our mortgage has been passed along to a new servicers nearly every ( 2 ) years. Where we continuously on board new servicers to the actual history of our mortgage, tell our story, at the encouragement of each servicer, hanging on their every word, we continue to apply for Mortgage Assistance and we wait. Will this attempt make the difference, or will it result in another denial indicating that investor or loan owner does not authorize loan modifications. Please accept this appeal for a loan modification and request for outreach to the investors or loan owners for permission to modify our mortgage.
Product: Credit reporting or other personal consumer reports

Hello. Im contacting you today because i was a victim of the Equifax Data breach. There has been fraudulent items and accounts on my credit report that I have been trying to get removed for 3 years now cause they do not belong on my credit reports .. Equifax has not helped me in anyway. They have admitted that my information was compromised. I have the info to prove it from their website. My info was bought and sold illegally and I want all these illegal & fraudulent accounts deleted from my credit reports immediately. Please help remove these from my credit reports. Below are the following accounts that have shown up that were not mine There was a 2 accounts form XXXX  that were not mine .. the accounts are listed on my credit reports as account XXXX  account # XXXX With a balance of {$5200.00} XXXX  account # XXXX With a balance of {$2100.00} XXXX  keeps hitting my account with severe late payments for an account that is not mine XXXX  account # XXXX with a balance of {$13000.00} XXXX XXXX  account # XXXX with a balance of & XXXX XXXX XXXX  / original creditor XXXX XXXX XXXX account # XXXX With a balance of {$160.00} XXXX XXXX account # XXXX With a balance of {$1100.00}
Product: Debt collection

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Product: Credit card or prepaid card

Hello, I hope all is well in the midst of all of the chaos we are currently experiencing all over the world. In an effort to protect myself and loved ones, I wanted to make sure my finances were in order, to make sure my family and I are prepared for the worst. I have not checked my credit score since XX/XX/XXXX, but upon reviewing my report I have noticed several accounts that have been opened in my name that do not belong to me. One of the accounts was removed, and the other account I disputed online through XXXX XXXX. The account that I am disputing is CITIBANK. This account was said to be opened on XX/XX/XXXX. The balance is supposedly {$3400.00}, with an amount past due!! 
There is also a collection that has been added to my account with XXXX XXXX XXXX involving this Citibank account. 

I have never opened a credit card account with this company, and I have never inquired about getting debt with this company. I do not believe in the use of debt to obtain financial freedom. It also seems that payments were made under my personal checking account, although i don't see how that could even be possible. I learned throughout this process that my information was breached and used over the dark web. Please assist me with this issue. Citibank has verified an account that I am not responsible for, and will never be responsible for. This is not right at all for me to be held liable for a crime I did not commit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The item below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mortgage was sold once again The company that holds my mortgage presently is Ocwen Loan Services And apparently they sold my Mortgage to XXXX XXXX XXXX on the XX/XX/2019 XXXX became the new loan servicer for my mortgage and I was not notified about tis until I received this letter posted XX/XX/2019 This is against Federal Law that states that homeowners have to be notified within 30 days