23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I originally had a loan with XXXX in 2004. It was taken over by XXXX XXXX XXXX and the terms were changed without my awareness. They changed the interest rate somehow, not sure what happened, but the payments went up so high I could n't afford it, so I applied for a modification. I was told the only way XXXX XXXX XXXX would not talk to me until I stopped making payments. So I stopped. After two years SPS tried to foreclose and put liens against my business. I started making payments again and was advised to file bankruptcy for the house only to stop the liens. I had to sign the modification papers before I saw the terms. This was done by Select Portfolio Servicing ( SPS ). I have n't missed a payment since. They said they had nothing to do with XXXX and XXXX said they do n't have my loan anymore. About 90 days after I signed, they sent me the terms. I had already started making payments on a slightly lower amount that I thought was fixed. I later realized that it was an adjustable that would continue to go up and they did not lower the principal at all. It was added as a balloon of $ XXXX at the end of the loan period. 

I have tried several times with attorneys to reduce the principal as they had promised with XXXX or XXXX. Neither company will help or take any responsibility. In fact they charge me {$5.00} to make payments every month. And, the payment amount keeps going up where I can not afford to make payments much longer. And, they are threatening foreclosure ever time I try to talk to them to correct the terms. An investigation was conducted by XXXX XXXX XXXX, Certified Securitization Analysis. See attached. We paid {$2500.00}. Your agency was copied. 
So now, I have a growing mortgage payment, and a balloon payment, and no relief in sight. Please help.
Product: Debt collection

I received mail saying I owed a medical debt in regard to my daughter that I know we do not owe- we have double insurance and she is fully covered no out of pocket costs. I attempted contact via phone to Wakefield Associates by calling XXXX to which a male answered the phone when I tried to describe the situation, why I was calling and requested proof that I owe the debt he proceeded to talk over me and was extremely rude. I was calling to request that they do not contact me in regard to this anymore as I do not owe it but the person I spoke actually hung up on me. I then called back to notify them that I do not want them to contact me in regards to this debt as I do not owe it, and to notify them that he refused to provide me the proof that this debt is mine by hanging up on me. She said she would notate all of this on my account.
Product: Credit reporting or other personal consumer reports

My account with the XXXX  and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Act # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without written instructions
Product: Debt collection

Portfolio Recovery Associates contacted me on XXXX XXXX, 2014, Via XXXX MAIL, telling me to pay them {$840.00} for XXXX XXXX account number XXXX. Concerned, I called them the following day on XXXX XXXX, 2014 and I Paid them the full amount they requested immediately, assuming they had correct information. 
After that, upon inquiring about it directly with XXXX XXXX, it became evident that the account was in error and XXXX XXXX subsequently & Immediately deleted their negative reporting of the account from all three Credit Bureaus. I have tried repeatedly to contact Portfolio Recovery and they are still reporting it despite it being deleted from the original debt holder, XXXX XXXX. 

PLEASE help me. Portfolio Recovery has turned out to be an extortion company that got money from me and is still reporting an account that was in error from the original holder, XXXX XXXX. 

Best regards- XXXX XXXX
Product: Mortgage

Flagstar Bank, XXXX XXXX XXXX XXXX, MI XXXX is engaged in an unfair and deceptive practice with regards to making mortgage loan payments. 
Our mortgage was recently transferred to Flagstar so I called to set up recurring payments. I was asked if I would like to set up bi-monthly payments that would save on interest costs over the life of the loan. 

I know the difference between bi-monthly and bi-weekly. I specifically asked the specialist if the payments would be taken twice per month, reducing the outstanding principal with each payment, thereby reducing the interest paid monthly to reduce the term of the loan. She responded yes that was the case. I asked the question again, just to be sure of what was being offered and again she answered in the affirmative. 

I agreed to have the paperwork sent to me, but upon reading it, realized the agreement did not match what I had been told on the phone. The agreement would take the normal monthly payment ( e.g. {$1000.00} ), divide it in half ( {$500.00} ) and deduct that amount from my checking account every 14 days ( 2 weeks ), not  twice per month. So there would be months where three payments would be made instead of two. These payments would be taken and held in advance of the due date, so even though I have lost the use of the funds, it would not count towards principal reduction. Additionally, the {$500.00} example payment would be held and unapplied until a full {$1000.00} payment is deducted. So, the 'benefit ' of the program would only be realized at the end of the year. 

I understand that the paperwork states bi-weekly but that is not how it is described on the phone and sold to the consumer. Furthermore, the consumer should get immediate credit against the principal balance, for the deducted funds taken every two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX - XXXX day delinquency reporting XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

In XX/XX/2020 I encountered problems with a late payment to Target due to problems arising from the COVID-19 epidemic. 
On several occasions I noticed that there was a link in the billing site that stated Target would work with persons having problems due to COVID-19. 
The arrangement consisted in my tendering an initial payment of {$98.00} and agreeing to have payments automatically deducted from my bank account. 
Since that time I have had {$57.00} per month taken from my account with no problems. 
However, last week I called the credit provider to see if I could remove my account from the agreement since under it I could not make any purchases until XX/XX/XXXX. 
The customer service representative repeatedly inferred that I was trying to avoid paying my bill. 
At first I thought perhaps he was just a rude and inconsiderate person so I called the company again and asked if my account was considered to be in collection. This person also started to treat me as though I was a " deadbeat '' and when I asked if the account was considered in collection he stated that it was because I had entered into the payment plan. 
Target did not make this arrangement sound like a collection when I agreed to the payment arrangement. 
I agreed to the arrangement with the understanding that they would not take any punitive measures against me. 
Until the epidemic I made it a practice to always pay my bill on time. 
I believe that this creditor should not be taking advantage of people suffering hardship with good intentions as to the payment of their debts.
Product: Credit reporting or other personal consumer reports

XXXX Account Number : XXXX I am making this request based on the belief that the securities related to this account fall within the category contemplated in Section 2.05 of Regulation S under the Act. As such, I kindly request that you consider the following points in support of my application for debt discharge : Category Contemplated in Section 2.05 of Regulation S : I believe that the securities associated with my account fall within the scope of Section 2.05 of Regulation XXXX, which pertains to offerings and sales of securities outside the United States. I request that XXXX thoroughly assess the eligibility of my account under this regulation. 
I, as surety, do stipulate that if you the creditor does not apply the debtors security ( Promissory Note ) as tender of payment and collection, to the account as paid in full or state that you are disclaiming the tender or were unable to get collection from an insolvent debtor, then I shall be discharged as surety.

Deprivation of Rights : My continued obligation to repay this debt is causing undue financial burden and depriving me of my inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. As such, I assert my right to request debt discharge under applicable regulations.

Properly remit enclosed 1099c form by completing and providing me with a copy so I can properly complete my taxes because all cancellations of debt have to be placed on a 1040 tax form. Additionally, please provide copy and documentation that the 1099c has been transferred over to the treasury. Provide all documentary evidence from the public and private side from the XXXX per the XXXX accounting principles generally accepted in the XXXX
Product: Checking or savings account

On or about XX/XX/2020 I nade a puchase at XXXX using my Chase bank debit card connected to my checking and savings accounts while paying for purchase i noted a long line of customers overlooking my shoulders as I was entering ny pin to pay for my purchase. After I completed paying I ibtain my purchase but forgot an left my Chase debit card ending in XXXX and drivers license on the counter and didn't discover that I had lost both until on or about XX/XX/2020. 
I immediately went online and checked my account and noticed that two unauthorized transactions were made at XXXX, located at XXXX XXXX XXXX Ca for purchase of a XXXX gift card and a purchase for a XXXX gift card using my card ending in XXXX. 
I immediately called and made a claim for this unauthorized transaction that chase provided me with a temporary refund until XX/XX/2020 when chase reverse the credit based on the fact that a purchase was made with my carebding in XXXX at XXXX 's for XXXX in the same city on XX/XX/2020 after the date of my reported card lost. I reviewed my account and noted that the transaction could not have been made by me an then filed a claim for reimbursement of the XXXX paid. Chase accepted my claim and credit my acount after their investigation. Despite having shown that the grounds that chase had used the the said purchase was not authorized abd therefore countered their rationale for denying my claims for XXXX and XXXX that was based on my card being used after the date of my reported lost. Chase again denied my claim on XXXX XX/XX/2020. Based on the fact that a cash trans action for XXXX on XX/XX/2020. 
I again reviewed ny account
Product: Credit reporting or other personal consumer reports

The information that is reported to the credit reporting agencies has been incorrect since XXXX  XXXX The balance owed is incorrect and payments are not showing accurate dates. I have submitted disputes after disputes and can not get anything corrected. Three credit reporting companies have all different information and have hurt my credit tremendously and they will not respond with any corrections. Ive submitted documents after documents proving the inaccurate information. My mortgage has been completely removed off of my credit report through XXXX as XXXX XXXX I cant even apply for credit related loans because when my credit is pulled I dont qualify because no mortgage is listed anymore. My mortgage company decided instead of correcting their errors they would just remove the mortgage account all together
Product: Credit reporting or other personal consumer reports

I am intersted in processing disputes on my credit report to delete an remove all information that is inaccurate on my credit report. this has been a issue ive addressed multiple times an no action has been taken. looking over my credit file ive noticed Alot invalid data that is hindering my credit report. none of the data submitted is correct on any of the credit files. please review an remove the listed items to clear an correct my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to transunion and XXXX  about this issue 4 times now. 

XXXX XXXX XXXX XXXX is reporting incorrect information on my credit report. I have asked the credit bureaus 4 times now to verify or remove the info. I've even pointed it out to them that the info is inaccurate. 

They refuse to validate the account or make any updates to it. 

You can see that the following items are incorrect : No of Months ( terms ) - there was never an agreement! 

High Credit - This was not a loan! I never borrowed money from them. They OVERPAID me. then sent me to collections, even after they received their money back! 

Payment status - this is not a collection/chargeoff! 

Date Last Active I have asked for proof of the above information and I've also asked that they ensure it's all reporting accurately or to DELETE the acct from my credit report. They will not do either. 

I am attaching all letters that i have sent to the credit bureaus as well as an updated image of the item that is reporting on my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XX/XX/2024 Sunrise credit services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Subject : Dispute of Collection Account, Violation of Consumer Protection Laws Dear Sir/Madam, I am writing to formally dispute the validity of a collection account that your agency has reported to consumer reporting agencies regarding the account referenced. This letter serves as a formal notice of my dispute under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. 
As per my rights under federal consumer protection laws, I have identified several violations of these regulations by your agency : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Despite my request, your agency has not provided sufficient validation of the debt in question. Under 12 CFR 1006.34 ( b ) ( 5 ), it is mandated that collection agencies must provide verification of the debt upon request by the consumer. This failure to provide adequate validation is a violation of my rights under the law.

2. Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been afforded a reasonable opportunity to dispute the accuracy of the debt as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Your agency has reported this collection account to consumer reporting agencies without allowing me to properly contest the validity of the debt.

3. Use of Deceptive and Misleading Practices : Your agency 's actions in reporting this collection account without fulfilling its obligations under federal law constitute the use of false, misleading, and deceptive means. Such practices are prohibited under consumer protection laws and undermine the accuracy and fairness of the credit reporting system.

4. Violation of Disclosure Requirements ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) : By reporting this account to consumer reporting agencies without providing all disclosures required by law, your agency is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ). These regulations mandate that accurate and complete information must be furnished to consumer reporting agencies, which includes providing all necessary disclosures to the consumer.

Therefore, I demand that your agency immediately : Cease all collection activities related to this disputed account.

Remove any negative reporting regarding this account from all consumer reporting agencies.

Provide me with complete validation of the debt as required by law.

Failure to comply with these demands within 30 days will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau and seeking legal counsel to protect my rights under the FCRA and other applicable consumer protection laws.

Please provide written confirmation that you have received this dispute letter and are taking the necessary actions to resolve this matter. You XXXX reach me at XXXX to discuss this matter further. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian had failed to fulfil its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate of unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notary consumers of dispute outcomes. These failures align with my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number : XXXX The investigation and results you conducted do not abide by the FCRA or TILA therefore you must remove these accounts immediately.

Experian you cant keep " updating '' unverified, fraudulent, and incorrect information. I have had enough, this has been going on since XXXX of 2020. 

To begin with the information being reported by these creditors does not match my personal information, that alone should be enough to delete these accounts. Why has I taken Experian 6 months to understand? 

Remember an account must be 100 % verifiable in order for you to report it, yet you are reporting inaccurate, unverified, and fraudulent accounts? 

How are you certifying these accounts are true? Why are you not following section 314 of FCRA and providing all required information? 

Experian, I dont have time for your games, you are wrong, you have surpassed the investigation window timeframe by a few months. 

Stop wasting my time and money and damaging my credit report. Experian has caused serious damage to my credit report by reporting incorrect accounts that do NOT belong to me. 

Delete this nonsense and stop wasting my time and damaging my report. 
Experian you have violated the FCRA, FDCPA, FCBA, and TILA.

Experian has violated Sec. 314. Improved disclosure of the results of reinvestigation. 

Experian you certified the information is correct when its not. You cant keep updating fraudulent information and sending me the same dispute results that against the law. Stop saying these are certified they are not and do not belong to me delete these accounts already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Transunion and XXXX refuse to even allow an dispute of an incorrect collections on my credit report. The collection company has not only posted an invalid debt on my report, but has inflated the original amount owed by over 344 % in direct violation of the Fair Debt Collection Practices Act. XXXX was the only credit company to act quickly and remove it within a week. 

XXXX continues to state " I cant be verified '' and refuses to let me submit a dispute even though I have my most up to date credit report from them in front of me. Even their " Web email '' doesnt work Transunion refuses to allow customers to submit their dispute online and wont even pick up the phone when called. 

I also attempted to submit a dispute through XXXX XXXX and received notification today that there was a " technical '' error and my dispute did not go through to Transunion