23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan Payoff Balance Too High - Loan XXXX XXXX ) Home Purchased XXXX XXXX for {$180000.00} ( XXXX XXXX XXXXXXXX ), interest rate fixed at 7 % 2 ) Current Balance XX/XX/XXXX : {$170000.00} 3 ) Mortgage companies repeatedly switched between XXXX : Original - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fay Servicing 4 ) Mortgage Modifications under Fay Servicing is attached 5 ) Personal calculation for the Mortgage balance estimate : {$52000.00} Compa
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced my mortgage with Bank of America paying off a mortgage with Bank of America on the same property, my residence. Because of their delay and mishandling of the transaction. my new loan closed with costs different from what was disclosed to me. As a result, I paid on both the old and the new loan for a period of XXXX months. My new mortgage was closed on XXXX/XXXX/15 but the old loan was not paid off until XXXX/XXXX/15. Requiring me to make payments on XXXX loans at the same time. Being charge with interest on XXXX loans at the same time. My efforts to contact both the servicing people regarding the old loan or the processing people on the new loan has dead ended. At this point, no one is responding or taking responsibility to correct this error.
Product: Consumer Loan

I was on automatic payment for my car loan. In fine print supposedly I do n't see it the final payment must be made by check. I did not get a notice until it was too late and now I am stuck with a negative mark on my credit report. We were never late for the entire loan. We also moved and the notice was delayed to us and we had our first baby not that they are excuses but if we paid on time all along and only had a small final payment how can that affect our credit.
Product: Debt collection

XX/XX/2021 - sent dispute letters to XXXX XXXX XXXX XXXX  to validate the collection account on my report in the amount of # XXXX and # XXXX XX/XX/2021 - sent dispute letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX again validate the collection amount on my report for the amount of {$280.00} and {$910.00} XX/XX/2021 - sent dispute letters to XXXX XXXX XXXX XXXX  as XXXX as KS Counselors to try and validate the debt/settle the debt because I have still not heard anything from either credit bureaus and ks counselors for the amount of {$280.00} and # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/2020, I sent my first letter to Transunion regarding inaccurate and unknown things on my credit report involving XXXX XXXX Credit Card and XXXX XXXX. I have sent several letters since then but to this day, I have not received a prompt and correct resolution from neither company. They keep improperly validating accounts that are not mine and its really XXXX me off. They have yet to provide me with the requested information that I sent in my dispute letters. They have no consideration for my health or well being and its hurting me and my family tremendously. Due to their lack of professionalism, I have received numerous credit denials and high interest rates that make it very difficut for me to be the best provider I can be to my family. The bureaus have caused me a lot of XXXX  and XXXX  and truthfully I'm tired of the XXXX! I have been fighting with them for almost a year about this inaccurate and unverified infomation on my reports. I feel like I'm being taken advantage of and my disputes are being ignored.In Section 611 ( a ), it is clearly stated that a failure to properly investigate these items within 30 days gives a reason to delete the items from my credit report. I've sent FTC letters to them as well since my information was in several credit data breaches and they still refused to properly investiate. I demand these items be removed mmediately! If they are not removed, I will file for litigation!
Product: Debt collection

Ally Financial Contacted me at my place of employment about a debt owed XX/XX/2019 early afternoon. I advised agent that they were contacting me at a place of business and requested the company not contact me at work. Agent advised would remove this method of contact at my employer and would call me on my personal number. 

XX/XX/2019, Ally Financial contacted me again at my place of employment. I advised I had requested this method of contact to be removed and repeated that this was a place of business and to please remove my employer number as a method of contact.
Product: Checking or savings account

I had fraud on my debit card in mid XXXX. I filed a claim with Chase and Chase is still refusing to refund my account for the fraudulent charge. The charge was for XXXX XXXX XXXX {$86.00}. IChase denied my claim. I filed a complaint with cfpb and they still with will not refund the charge. I DID NOT MAKE THIS CHARGE. I have not idea what XXXX XXXX XXXX is and I never done business with this company before. Please let Chase know I emailed a complaint regarding Chase to my local senator XXXX XXXX. I also emailed my local TV station 's tip line XXXX news XXXX regarding Chase 's misconduct. I did not make these charges and Chase is required by law to refund me. If Chase does not refund me my next step is too sue via small claims court. I also plan on continually filing cfpb complaints until my money is refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

The paragraph below was emailed to the following listed and had no response. 

XXXX XXXX XXXX XXXX I was notified XX/XX/2018 that XXXX XXXX XXXX by Experian had done a hard inquiry on that date causing my credit score to decrease greatly. XX/XX/2018 I called XXXX who told me they were one of the major credit bureaus acquired by Experian, in which XXXX  gained my confidential information through Experian upon the purchase last year. XXXX  gave no explanation as to why they pulled my credit or no further details of what the company 's business was. When calling Experian right after, the representative and supervisor stated they had no knowledge of XXXX XXXX XXXX, and all they could do was place a fraud alert on my account. XXXX 's continuous inquiries have effected my credit score tremendously and Experians ' breach and decieption has put the consumer at risk once again and in my particular case prolonging my ability to purchase my first home. Upon much research I have also been made aware that XXXX  is behind many mail and phone scams, by having knowledge of the individuals identity, such as d.o.b., S.S., address, ect., knowledge of the debt a individual owes, and therefore are able to replicate the creditor and request the correct amount. This is a broad serious federal matter and should be investigated by the highest division of authority.
Product: Debt collection

I am writing to formally state that the account in question is not mine and was created or accessed without my knowledge or consent. I believe that my personal information has been unlawfully used by an unknown individual ( s ) to establish this account, which constitutes identity theft.

I have never applied for, authorized, or managed this account in any capacity. Any activities, transactions, or communications associated with this account were not conducted by me and should not be attributed to me in any way. 
XXXX : {$4500.00} XXXX- {$860.00} I am actively taking steps to protect my identity and have reported this incident to the relevant authorities. I request that this matter be thoroughly investigated and that all fraudulent activities linked to this account be immediately halted.These accounts have been deleted from my transunion credit report. I recieved a letter from the comapnay stating they would delete the accounts from my credit reports. I have attached proof of the information and letter.
Product: Debt collection

I HAVE A COMPANY THAT CONTINURES TO CALL MY CELL PHONE AND I HAVE INFORMED THEM I AM NOT THE PERSON THEY ARE LOOKING FOR. THEY CONTINUALLY CALL EVERYDAY. THIS TIME THEY HAVE CONTACT 7 TIMES WITHIN 5 MINUSTED OVER AND OVER. THEY ARE CALLING MY CELL XXXX LOOKING FOR XXXX XXXX AND I AM XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report on XX/XX/XXXX from XX/XX/XXXX. I noticed that my loan with XX/XX/XXXX XXXX was showing seven missed payments from XXXX XXXX XX/XX/XXXX. I did not miss any payments during these times.XX/XX/XXXXXXXX Needs to check all their statements and figure out why they are reporting me late when the payments came out my account before the due date
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$620.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and has a {$0.00} balance due. Reporting this account as a collection/charge-off is seriously harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX Unfortunately after the results of an investigation into HIPAA violations, EQUIFAX continues to report these violations on my credit report. XXXX, the company in violation has placed the burden of correcting and updating my credit report squarely on EQUIFAX. I am including in this complaint, XXXX 'S first response to my request ( validation ) which shows their clear HIPAA violation as well as their attempt at placing responsibility on EQUIFAX. I am also including a copy of a letter that will be sent via certified mail as I am documenting my case without error.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, and XXXX  has fail to give me any information to my dispute in written of how the information they are reporting are being verified. 

When if comes the the bankruptcy, I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed you have not give me the information for verification on items listed in my letter. My attorney told me to ask you the following questions.

( 1 ). How did you verify these inaccurate accounts?

( 2 ). Did you talk to the court and if you did who did you talk with at the court?

( 3 ). Were you required to pay a fee to obtain the bankruptcy papers?

( 4 ). Can you provide me with the contact number and name of the person you talked to? 
My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once.
Product: Debt collection

Theres a car loan on my credit that I never signed an agreement with, from 2013. Im not sure who the company is.
Product: Debt collection

Someone else have my identity stole. That persona have my social security number and driver lincense number and my Home Andress as me! I never get those service this medical data system want me to pay to XXXX medical center Im provide the enough prove to confirm I wasnt me the person .. Im asking to make a fair decisions and stop report it to my credit and stop sending bill I dont own is very hard for then to be believe wasnt me but the sending me inaccurate information about this I never singnature any document to you or never get any attention from this hospital at this time
Product: Credit reporting, credit repair services, or other personal consumer reports

The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( reported twice on XXXX  credit report )
Product: Debt collection

Called my employer on their personal cell phone number and company number. Talked about my alleged debt with third parties numerous times. Contacting anyone they assume is a relative and harrassing them also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the inaccurate and unverified information that is being reported on my credit report by several creditors. I believe that these creditors have violated a number of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

One specific violation under FCRA is the inaccurate reporting of my addresses and other personal information. My current address is XXXX XXXX XXXX  XXXX, NJ XXXX, but the credit bureau has reported multiple other addresses that are not accurate, including XXXX XXXX XXXX, XXXX, DE XXXX and XXXX XXXX XXXX, XXXX, DE XXXX. This inaccurate information has caused confusion and difficulty in accessing credit, and is a clear violation of FCRA. 

In addition to the inaccurate reporting of addresses, I have also experienced other violations such as harassing and abusive debt collection practices by some of these creditors, including attempts to collect debts that are not owed and failure to provide required disclosures under the FDCPA. 

Furthermore, I have been denied access to my free annual credit report and the creditors have failed to properly handle identity theft claims under FACTA. TILA violations include the failure to provide required disclosures related to loans or credit card accounts, and RESPA violations include the failure to provide required disclosures related to mortgage loans or settlement procedures. In addition, I believe that I have been subject to discriminatory lending practices based on my race, gender, or other protected characteristics under ECOA. Finally, there have been instances of unauthorized charges and the failure to properly handle billing disputes under FCBA. 

These violations have had a significant impact on my life. I have been denied credit and other opportunities due to the inaccurate information on my credit report. It has been extremely difficult to correct these errors and I have suffered emotional distress and financial hardship as a result. I have been actively working to improve my credit score, but the inaccurate and unverified information on my credit report has made it nearly impossible. 

Therefore, I am requesting that the creditors remove the unverified accounts from my credit report immediately. I also request that you take appropriate action to enforce the laws that have been violated by these creditors. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This account has been closed since XXXX and has not incurred any charges since.I have written statements quoting that this account is paid in full dated XX/XX/XXXX from your bank.
Product: Credit reporting

I requested many times before Experian to investigate Fraudulent claims, Re-aged, deleted items in my Credit Report, but Experian refused to do it using excuses such as, " my info do n't match '' " i have to prove the accuracy of my personal info '' ; ( XXXX & XXXX never used similar excuses and completed the investigations i requested them to do ). Experian refused even to mail me my Annual Free Credit Report using similar excuses, but they were willing to mail me or download my Credit Report for a fee of {$7.00}. As if is n't enough that Experian reports wrong items in XXXX % of Consumer 's Credit Reports, it seems that Experian do n't obey CRA 's Laws, plus maximizing their profits by reporting Fictitious Negative items which are sold to many Companies for a high fee ( positive items make XXXX money ), and acting as XXXX. FTC & CFPB never took any action against Experian or any Credit Agency who create many problems to consumers ; Are they perfect? Maybe that 's why they XXXX.
Product: Prepaid card

My card ( in my wallet ) and phone was stolen by my twin brother and ex husband. I contacted chime and was told to wait for transactions to settle. My account was accessed and over {$7000.00} drained. 

Charges settle and I call chime to dispute them XX/XX/2024 ( Saturday ) they denied my claim XX/XX/2024 stating no error occurred according to merchants. 

How did they investigate in XXXX days ( XXXX being XXXX XXXX  and the other a XXXX  ) and close my claim. There was no due diligence in this investigation. 

I will be taking this to XXXX XXXX  ON XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern. 

I wish to file a complaint against XXXX XXXX XXXX XXXX for reporting false information on my credit reports. They state that I owe a debt to the Creditor ( XXXX XXXX XXXX XXXX XXXX. 
I have sent them a validation letter for the to prove that. 
XXXX. I am the rightful owner of this debt by sending me the Original Contract with my original signature, the name, address and telephone number of the Creditor, the full payment history of this account with all the payments made, and proof that they are authorized by the Creditor to collect this debt. 
All I received from XXXX XXXX XXXX is photocopies. All they did is tried to falsify the paperwork. 

Furthermore, I contacted the XXXX XXXX XXXX XXXX XXXX to find out if XXXX XXXX XXXX is working with them, and I was informed that this debt collection agency is not working with the Creditor.
Product: Mortgage

did not provide adequate payment information in detail, respa requires more detail, to customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I had XXXX and was so ill. I could not work for weeks and was on XXXX. 
I contacted XXXXXXXX XXXX XXXX. I called and spoke to someone and they stated I could be on a deferment since I was on XXXX I have paperwork to prove that I was ill. 
I never received the paperwork I could not get out of bed I was so very ill. I called as soon as I was able and they stated they emailed me but I never received the email. I called again and they stated that they would mail me the paperwork. I never received anything. By the time I called and spoke to a supervisor and was told I had to pay a fee and that I would be reinstated. I made a payment that day to bring current but little did I know I was already reported twice to the credit bureau and my credit score was lowered quite a bit I have contacted XXXXXXXX XXXX BUT they are no help at all. They have the worst customer service they never help me to help get this resolved or will get a supervisor to help. I communicated as soon as I could because of my illness. THEY ASSURED me that it has been on deferred payment status but that was not true. 
I now have 2 payments reported 1 30day and 1 60day late reported I would appreciate help in this matter. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by PERFORMANT in files maintained under my Social Security number ending in XXXX. D.O.B. XX/XX/XXXX I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid off a delinquent collection account it was reported on my credit under 2 company names one being Payliance and the other cybrocollect but are both for the same debt. I paid the debt and creditor agreed to remove account but XXXX XXXX has refused to remove the information
Product: Debt collection

Dear The Bureaus, I am writing to formally dispute the debt associated with my name and account number [ insert account number ], as I believe this debt does not belong to me. I request that you investigate this matter and remove this account from your records. 

My personal information has been compromised due to a data breach, specifically referred to as engagement XXXX with XXXX XXXX. Additionally, I am concerned about the XXXX data breach, which involves violations related to XXXX U.S.C. XXXX. Given these circumstances, I believe that I am a victim of identity theft, which could be a contributing factor to this erroneous account being attributed to me. 

As per the Fair Debt Collection Practices Act ( FDCPA ) and based on the provisions in XXXX U.S.C. XXXX and XXXX U.S.C. XXXX, I am requesting the removal of all accounts that are incorrectly associated with my name. I expect that you will investigate this claim and provide a resolution promptly. 

Furthermore, I kindly request that you provide written confirmation of your findings, along with any supporting documentation that validates the existence of this debt. As you are aware, I have the right to dispute any debt that is reported inaccurately. To our knowledge and findings there is several accounts under your company. 

Thank you for your attention to this matter. I look forward to your prompt response.