23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Company charged fees to my account which they can not support and will not provide documentation for. 
Company Assessed 2 identical " Fees '' to my account in the amount of {$4500.00} on XX/XX/XXXX and XX/XX/XXXX. The first they say was a charge from my previous servicer. However my previous servicer never charged the fee and it never showed up on any statements. BSI is the only entity trying to charge the fee. They " claim '' it was for foreclosure costs incurred by the previous lender, however I was in active loan modification negotiations with the previous lender all the way through transfer of my loan to BSI. Charging " foreclosure '' fees would have meant they were dual tracking.. Which is Illegal. The second charge is inexplicable even by BSI. I have requested on multiple occasions, documentation or explanation for this charge and they have refused to supply it and in phone calls admit they ca n't even figure out what it is for. They promise to resolve it and then simply never follow through. On one occasion when I made a demand in writing ( of which I have made multiple ) they simply grabbed a stack of ( trash ) paper ( meant for recycling or shredding ) stuffed it in an envelope and mailed it to me. They have assessed a TOTAL of over {$15000.00} in fees some of which they have provided some backup for but most of which seem excessive. Legal fees related to the Chapter XXXX I had to file because they refused to negotiate a loan modification with me despite my willingness and ability to pay. However I am simply pursuing these two charges as they are blatant and unsupportable.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX  XXXX CT XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX : {$160.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX SO ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX SO ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX SO ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Good Evening! 


I had a loan with chase auto finance for a XXXXXX/XX/XXXX. My car was repossess, but I was able to pay off the charge off of the told final amount. The amount was XXXX and something. I finished paying it off somewhere in XX/XX/XXXX2024. When I was applying for a mortgage loan this year, my mortgage loan was denied. One of the reasons was my auto account with XXXX was still open and saying I needed to pay {$5000.00} and something, but the account should be closed now. And they affected my mortgage loan.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Immediate Deletion of Personal Information & Cease-and-Desist of Data Furnishing, Selling, and Transmission NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. To Whom It May Concern : I am writing to formally demand that you immediately delete all personal information related to me from your database and cease any further furnishing, selling, or transmission of my data. I do not consent to the sharing, reporting, or dissemination of my personal information, and I am exercising my right to opt out under the Fair Credit Reporting Act ( FCRA ) and other applicable federal and state laws. Upon reviewing my consumer file, I have identified inaccurate and unauthorized information in your records. Specifically, your company has reported false and outdated data that does not belong to me. This is a clear violation of FCRA provisions and constitutes willful noncompliance under federal law. Legal Violations & Liabilities : Your continued failure to delete this information is a direct violation of my rights, including but not limited to : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper reinvestigation and delete inaccurate information within 30 days. 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. 15 U.S.C. 1692e ( 8 ) Communicating false credit information with knowledge of its inaccuracy. 15 U.S.C. 1681n Willful noncompliance with the FCRA, which provides for statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. Furthermore, your conduct is consistent with prior legal actions brought against XXXX and similar entities for improper data handling and failure to comply with consumer protection laws. ( See : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX ). Immediate Actions Required : I hereby demand that you : Immediately delete all personal and inaccurate information from your records. Cease and desist any further reporting, selling, or furnishing of my data to third parties. Provide written confirmation of compliance within 30 days of this notice. Failure to comply with this demand will result in immediate legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General. Additionally, I will pursue civil litigation for statutory, actual, and punitive damages. This letter serves as formal notice of my demand under applicable law. No further warnings will be provided.
Product: Debt collection

This debt was for services that we 're not provided, services promised by XXXX XXXX XXXX, bill has transferred from collector to collector to collector because XXXX XXXX XXXX promised a service & a rate, then I was told by Customer Service " the internet service they offfered could not be supplied at the promotional rate that I was promised ''. This amounts to XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, and XXXX are reporting fraudulent information on my credit report. Please know that I have sent FTC documents and identification documents and they are refusing to assist me in this matter.
Product: Vehicle loan or lease

XXXX XXXX XXXX ( XXXX XXXX XXXX, using my or my husband 's name XXXX XXXX, XXXX XXXX XXXX, he bought a white Ford car with a loan from Ford, with a license plate number of approximately is XXXX XXXX should close this account or this car loan change to his name.
Product: Credit reporting or other personal consumer reports

I requested verification of debt from Spring Oaks Capital. Spring Oaks did not send verification of debt document they instead sent an amount owed with payment history. That does not prove the ownership of debt. Upon receiving this information, I sent copies to all three credit bureaus. All removed the collect except for XXXX. XXXX has no valid documentation for ownership of debt. The debt by Spring Oaks Capital should be removed promptly.
Product: Vehicle loan or lease

Hi, what happened? For 6 years I have been on auto pay on the XXXX of every month. Check my account. Meanwhile I just got a letter stating my last car payment was past due.. Why was that not taking automatically from the account. I just paid online via XXXX XXXX for {$330.00} which should be my LAST payment since maturity date is XX/XX/2021. This is a glitch on your end and you guys should have automatically taken out the last one ... Why also was it {$330.00} and not the usual {$330.00}? Lastly, not only was this a glitch on your end, you also should not be reporting it to the credit bureau since I just paid online well within 30 days. .Please confirm and explain what went wrong. Also concerned you may start trying to continue to take from my account. I need the title and lien release. This car is now officially paid off. I should have a zero balance now.. please send all paper work for release of title, lien, etc.. 

I have been doing automatic since DAY 1 for 6 years!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
Also you guys have a TON OF XXXX complaints. This better not go on my record. Looks like you just did same to someone else. This is your issue. 
This looks like attorney general should get involved. You have 36 complaints at XXXX  and looks like you have issues with releasing liens and people are losing transactions. Someone else you did same thing.. took money out yet told them they were past due. With me.. I was set up for automatic with drawl and you didnt pull the money out.. why not? 


SCARY.. these are your complaints. I believe your regulated by federal trade commission. Enough complaints there should be a class action.. attorney general and bank regulators will be contacted..
Product: Consumer Loan

We bought a car from Toyota several years ago. The XXXX CA office carried the paperwork. We paid the car off last XXXX and they sent us a paid in full ltr but have not cleared that loan with the reporting agencies as a {$390.00} balance. I disputed it online and sent the them a letter asking them to clear it to no avail!?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts listed on my credit report, and I can't understand why they're there. I routinely check my report, but this time I noticed unexpected errors. I even refreshed my browser to rule out a glitch, but the false accounts remained. Because of this, I kindly request a thorough review of the documents I've submitted so I can stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

I have previously disputed, the XXXX XXXX XXXX XXXX Bankruptcy dated XXXX XXXX, XXXX  ; Reference # XXXX with you the credit report agencies and in response you the credit reporting agency verified the item as accurate stating that you have " verified the information with the court ''. The courts do not report to credit report agencies ever or any credit bureau for that matter ; It is fact that public record of a bankruptcy showing up on a credit report makes the report, false reporting, and a violation of the Fair Credit Reporting Act, FCRA 611 ( 15 U.S.C. 16811 ). Therefor Trans Union 's, XXXX 's, and XXXX 's original response asserting verification of the item with the court is an error, a violation of FCRA, and or a lie too, In each instance, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately unquestionably.
Product: Vehicle loan or lease

The company responded to my credit report complaint and attached a transaction history which has false information. 

Transaction history shows on XX/XX/XXXX XXXX days past due when payment was made XX/XX/XXXX XXXX  $ {$320.00}. 
The next line shows XX/XX/XXXX assess fee to account and reflects XXXX days past due. 

From XXXX how do we go from XXXX pays due to XXXX past due in 1 month and a half?
Product: Credit reporting or other personal consumer reports

XXXX - During the Suntrust and BB & T merger, my contact info was lost on my loan account, resulting in negative credit marks. 

On XXXX occasions, XX/XX/XXXX and XX/XX/XXXX, payment issues caused payments not to be processed. Truist only contacted me after the payment was 30 days past due and typically after receiving a notification from credit monitoring that my account was past delinquent. 

In the most recent occurrence, the mortgage rep confirmed again after my account was updated in XX/XX/XXXX, my account did not have phone or email information on my mortgage account, preventing late payment alerts on or around the XXXX. It's not till after the payment goes XXXX days that the issue is handed over to a different department that Truist finds my phone number. I have a total of XXXX Truist accounts, I have banked and have had a Mortgage with Suntrust for XXXX years, and have never had these issues until the merger. 

I currently have XXXX mortgage accounts and XXXX HELOCs with various banks, and I have no issues with processing payments or receiving phone calls. Yet, Truist keeps losing my account contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was set up on a payment plan of {$25.00} biweekly by Diversified Adjustment Services until my debt was paid in full in the amount of {$380.00}. The debt was in collection and was reported again for the second time. Causing my credit score to drop 25 points. I disputed it several times with no change. I have bank statements to show all payments made until paid in full. And a receipt for the final payment. It was supposed to be removed from my credit report once the debt was paid in full. It still hasnt been removed nor has the correct payment history been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

im a XXXX XXXX XXXX man with XXXX and find the process of submitting my id theft report to both TU and XXXX extremely confusing and stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a recurring issue with XXXX XXXX and credit reports. Previous report XXXX they state the account is, and has been, always current. They blame the credit reporting company, the credit report agency blames XXXX. This is the 4th time reporting this issue. Transunion is now again showing late payments for this account- there have never been late payments ( again refer to comments from XXXX on XXXX ). However the issue continues to recur with it reporting incorrect. One time is a mistake, 4 times is willful misrepresentation of data which directly impacts my credit and the agencies need to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, I have been trying to dispute negative accounts from my credit report, several times. XXXX XXXX Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 


Listed below are negative accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached below are recent dispute letter I filed.
Product: Mortgage

This complaint is a continuation of the previous complaint. The result from the previous complaint was that I was approved for a VA partial claim through the original lender XXXX mortgage in XX/XX/XXXX. The loan was transferred to Flagstar Bank shortly thereafter in XX/XX/XXXX. 

We signed the note for the partial claim in XX/XX/XXXX and thought we had met all of the requirements. However we were advised later that the note was never recorded because the lender made an error on the docs and had the payee listed as HUD instead of VA. 

In XXXX of XXXX, we had a notary come to the house and re-signed the Note. 
Again we thought the issue was finally resolved. Then in XX/XX/XXXX, we were advised again that the note was never recorded due to yet another lender error on the documents. 

The lender is now asking us to sign a XXXX time saying they corrected a " minor '' typo in the verbiage however I noticed that they had also changed the Payee from VA to a private lender XXXX XXXX  without mention. This concerns me as this lender has had multiple cases and lawsuits against them and I don't feel that I would have the same protections as with the VA as payee.

Flagstar Bank has recently sent me a letter stating loan documents were rejected due to BORROWER error which is simply not true, they are the ones that generate the documents. Flagstar bank is now also threatening to reverse the partial claim and force me to pay the lump sum in full or face default OR enter into a new loan modification at a much much higher rate which would substantially increase my payment and is much more favorable to the lender. 

in conclusion, Flagstar bank has made numerous document errors, is sending me in accurate statements every month showing full partial claim amount is due, and has overall delayed and jeopardized my VA partial claim in whole and has not met the requirements per 36.4805 which states servicer must record the security instrument timely, as prescribed in 36.4807
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : ( XXXX ) Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : A personal credit card account opened at XXXX XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/year> under the account number XXXX, with a total fraudulent amount of {$12000.00}. 

A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/year> under the account number XXXX, with a total fraudulent amount of {$150.00}. 

A personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number XXXX, with a total fraudulent amount of {$0.00}. 

A personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number XXXX, with a total fraudulent amount of {$0.00}. 

A collections account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX, with a total fraudulent amount of {$63000.00}. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question, including a credit inquiry by XXXX, as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I received a message from XXXX XXXX this morning. She said there was a claim against me and I needed respond, but she called my father 's house. That is not my home nor do I give out their number so I 'm not sure XXXX XXXX left more information with my stepmother than she did in the voicemail she left on my phone. She told my stepmother she was calling from First Recovery XXXX claim # XXXX
Product: Debt collection

They are calling 20 times a day to collect a debt. I 've asked them to stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been two consecutive months of disputing these unauthorized accounts and requesting the Method Of Verification used in the process of your investigation. If this problem continues imma have to file suit with the 2 of the 3 major credit agencies. The FCRA is enforced by FTC inwhich grant certain rights to protect consumers against the credit agencies distributing false or harmful credit information about individuals. I'm requesting your Method used in this investigation and if this request is breached then the reporting agencies should be held accountable. I'm requesting that XXXX and Transunion credit reporting agencies provide me with physical documentation of investigating these accounts. ( 1 ) XXXX XXXX XXXX {$1.00}, ( 2 ) XXXX XXXX XXXX {$920.00} ( 3 ) XXXX XXXX {$0.00}, ( 4 ) XXXX XXXX. My request is for the names and method of communication inwhich was held in this investigation. Inwhom did your representative speak with, how, by phone, email, fax, etc. What specific date, day, and time. And if this is not met in a just and prompt manner then these accounts shall be blocked immediately in accordance with the FCRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and elecuva wi nintform. leaving and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress