23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a formal complaint we want to file on the Law Firm known as Aldridge Pite LLP. We believe this firm and its attorneys are acting in the capacity of a foreclosure mill for the banks here in the State of Florida in violation of the Fair Debt Collection Practices Act as Debt Collectors. ( Aldridge is a national law firm ) XX/XX/XXXX a foreclosure case was filed against us in a attempt to take our home here in XXXX Florida and this law firm known as Aldridge Pite LLP., representing XXXX is making a ( 2 ) second attempt to foreclose on us, attempting to collect a time barred debt in clear violation of the FDCPA. 
This law firm known as Aldridge Pite LLP. and its attorneys are acting in concert with the banks ( XXXX ) in the filing of time barred causes of actions against consumers without properly verifying the debts. We believe by filing these law suits violations the FDCPA by their conduct, in attempting to deceive the courts and trying to take advantage of a unsophisticated debtor by attempting to steal peoples homes, ours included. ( see documents enclosed ) In this second foreclosure attempt, over 8 years past acceleration of the note, we believe this is their last ditch effort to steal our home. Aldridge Pite LLP. has not properly verified the complaint prior to filing a frivolous cause of action into the State courts. In our defense in the State suit, we again answered timely and filed a motion to dismiss. Recently in State court the judge denied our motion and stated he only looks to the plaintiffs XXXX corners of the compliant on a motion to dismiss. Aldridge Pite LLP. and their attorneys have again deceived the court in believing a new default has recurred by stating in their new foreclosure complaint a new default date of XX/XX/XXXX, opposite of the banks first foreclosure attempt years ago on the record in XXXX XXXX, making it appear to the court the re-starting of the 5 year statutes of limitations. Immediately following all this, we filed a Federal lawsuit against XXXX and the law firm Aldridge Pite LLP. and its attorneys ( see Federal suit in XXXX District of Florida XX/XX/XXXX ) for their blatant violations of 15 USC 1692 FDCPA, FCCPA and Florida Deceptive Practices Act. We are approaching discovery in the Federal case. The State case is also still pending and we have just sent interrogatories and production of documents to Aldridge Pite LLP. awaiting their response. We believe the CFPB should look into this law firm Aldridge Pite LLP. XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX Florida XXXX for their Deceptive Practices against the public. In the past XXXX was fined XXXX dollars for illegally falsifying documents and defrauding HUD ( see report dated XX/XX/XXXX ) and the CFPB has also fined XXXX in the past for their egregious conduct against the public. The CFPB should look into this law firm and their deceptive practices that is clearly violating the law in their attempts to deceive the public. Respectfully submitted XXXX XXXX XXXX sr.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received a negative decision from Sagestream LLC, I originally applied for a XXXX Store Credit Card. Their decision was based on quote " most significant reason ( s ) where you did not score well are listed below : Your Credit Score XXXX Date : XX/XX/2019 Not enough bankcard experience Invalid phone number of applicant Number of subprime finance inquiries Number of inquiries '' ( End of quote ) Quote was based on the written decision letter from Sagestream LLC and XXXX XXXX, Creditor I monitor my credit via XXXX XXXX   and several of my credit cards offer credit monitoring. My credit score has been consistent between the three major reporting agencies ranging between 220-260 points above the score represented on this writing. 
I started out by contacting XXXX. I was told to contact XXXX. When I contacted XXXX, I was told to contact Sagestream LLC. I'd like to note that on the letter I received from XXXX it stated to contact the creditor listed on the top left of the letter. That Creditor is/was XXXX XXXX. I have attempted to contact Sagestream on three separate dates and had to leave voicemails each time. The recorded greeting states that Sagestream will contact You/me within twenty-four hours. I have not received any response. I have direct experience working with credit reporting agencies and in the fifteen years I was involved in lending I never witnessed this large of a discrepancy. I ask for this credit score to be removed from my record as it is based on inaccurate data.
Product: Payday loan, title loan, or personal loan

I applied for an easy set pay 4 EQUAL payments. I didnt use all my limit just XXXX. States my first payment has to be XXXX. I tried to get this fixed they state I have to make 1 payment then it will split equally into my next 3 months. Thats false advertising I reached out 4 times and havent been able to get this fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a continuation to complaint XXXX as your investigation was deemed inadequate and failed to provide proof of the company in question ( XXXX XXXX ) legal right as outlined within the Fair Credit Reporting Act. 
It is my expectation as a consumer to be protected from unwanted an unauthorized inquires. None of the so called justifiable reasons that you've outlined applies to my communication with XXXX  nor have they provided any proof to the contrary. In addressing your research into my initial complaint with TransUnion prior to my formal complaint to CFPB, I had called Transunion that resulted in phone prompts that went nowhere and provided no resolve. 

My rights as a consumer are being violated and expect this complaint to be taken seriously, as this company XXXX XXXX has a history of abusing the very consumer ACTS meant to protect consumers from such overreaching violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX XXXX, XXXX PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Product: Credit reporting or other personal consumer reports

I am bewildered by the sluggish pace of your investigation, particularly when other credit bureaus have promptly resolved similar disputes. As a victim of inaccurate reporting, I have diligently followed the appropriate channels to rectify the situation. However, despite my persistent efforts, the inaccurate information persists on my credit report. This misinformation not only adversely affects my credit score but also induces significant emotional distress. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and current information on my credit report. The delays in the investigation process are exacerbating the harm to my financial well-being and mental health. Regarding the accounts with identifiers are the following : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX Bankruptcy-discharged Reference # : XXXX.
Product: Mortgage

I was sent a letter stating that I was in default, I checked in at the website, it shows my payment not being applied on the day I made it, my conformation no. Is XXXX, I also had a message saying that I called and made arrangements to pay on the third, I did not, I call and talked to a XXXX employee number XXXX and was told to disregard. Just trying to stay out of trouble, please help if you can, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$960.00} CXXXX XXXX BANK XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00}
Product: Student loan

I took out XXXX Parent Plus loans for my daughter back in XX/XX/XXXX. Over the years payments have been made regularly and I am currently up to date. I sought to renegotiate the terms of these loans because I am now older and can not afford to handle the repayment costs that are about to escalate on XX/XX/XXXX. I am currently paying XXXX for 18 months on XXXX loan, which will drastically jump to XXXX on XX/XX/XXXX. The XXXX loan is at XXXX for 17 months, then it will jump to XXXX on XX/XX/XXXX. This was the only option that Navient Loans would give me. I recently read about a lawsuit about this organization making it hard for people to repay such loans and as a parent who helped his child to have a college education, I will not be able to handle this increase next year. From XXXX per month to XXXX per month for 6 years. I was given no other option but to call back in XX/XX/XXXX to try to get it lowered. I am trying to be proactive and receive help and guidance. Thank you.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/20XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022
Product: Credit card

On XX/XX/2016 I contacted U.S. Bank and provided them with a new mailing address for them to mail a replacement for my existing card that expires on XX/XX/2016. While on the phone, I was offered an additional credit card with a XXXX dollar credit limit, zero percent APR for a year, and 17 % APR after the first year. I was also told that I could transfer the balance from my existing card, close to XXXX dollars, to the new card, without any transfer fees. I called on XX/XX/2016 to inquire about whereabouts of the replacement card and new card in the mail. While on the phone I was told that the person I initially spoke to on XX/XX/2016 misspoke and gave me false information about being able to transfer the balance from my original card, to the new card, enabling me to pay off and cancel the original card with a much higher interest rate. I had the new card canceled on XX/XX/2016, and inquired about having my existing card APR lowered to 17 % like the new card they approved me for. Even though U.S. Bank had access to my credit score, they claimed that they could only offer me an APR of 17.99 for 6 months. My grievance is that I was misinformed of my ability to transfer my credit card balance ; which was deciding factor for me to follow through with opening the new credit card account.
Product: Debt collection

yes -- I am not sure if it is legal or not -- -that is why I decided to contact you. Here is what is going on -- -I have a insurance policy with XXXX XXXX they have sent in to all 3 major credit bureaus that I owe them money -- I still have the policy so I called them to ask why do I owe them money and my account is current -- -she said that in 2016 when I renewed my policy that I owed them a past due balance -- -now when I renewed the policy I was not aware of this debt and why they did not say something then -- -- -now I have disputed this account with all 3 credit bureaus and they are saying that the information is correct -- -of course my name and social security is correct because my account is current -- -my question is can they put that on my credit file as a bad debt because that is not a credit card not an installment -- -could you please let me know if an insurance company has that right -- -- also what about the collection companies can anyone just put whatever they want on our credit file -- -also in identity theft of course they have your name and social security number and all of your personal info that does not mean it is me
Product: Debt collection

XXXX keeps calling me at work eventhough I have told him not to. They call me on my cell multiple times a day.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Information Dear XXXX I am writing to formally dispute inaccurate information on my credit report. I recently obtained a copy of my credit report and noticed that there is an item listed that is incorrect. 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Reported Amount : {$120.00} The report indicates that I owe {$120.00}, I DO NOT OWE THIS COMPANY ANY MONEY, but I have paid this account in full as of XX/XX/year>. 
According to the Fair Credit Reporting Act, I have the right to dispute any information that I believe is inaccurate. I kindly request that you investigate this matter and correct my credit report accordingly. 
Please confirm receipt of this letter and provide me with the results of your investigation. If you need any additional information, please do not hesitate to contact me at the phone number or email address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing for XXXX time to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) 2 Times regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer, as mandated by law.TransUnion On XX/XX/year>, I noticed that XXXX XXXX  Account # XXXX was reinserted into my credit report without my knowledge or consent. This action violates the FCRA Section 611 ( B ), which outlines specific requirements for reinserting previously deleted information : ( i ) Certification of accuracy of information : The FCRA mandates that any information deleted from a consumer 's file pursuant to subparagraph ( A ) may not be reinserted by the consumer reporting agency unless the furnisher certifies that the information is complete and accurate. In this case, there was no certification provided by XXXX XXXX regarding the accuracy of the reinserted information. ( i ) Notice to consumer : Furthermore, the FCRA stipulates that if any information deleted from a consumer 's file is reinserted, the consumer reporting agency must notify the consumer in writing not later than 5 business days after the reinsertion. I did not receive any written notification from TransUnion regarding the reinsertion XXXX XXXX  account number XXXX my credit report. In addition to the written notice, the FCRA requires the consumer reporting agency to provide certain information to the consumer within 5 business days of the reinsertion, including a statement that the disputed information has been reinserted, the business name and address of any furnisher of information contacted, and a notice that the consumer has the right to add a statement disputing the accuracy or completeness of the disputed information. None of this information was provided to me by TransUnion. It is evident that TransUnion has failed to comply with the FCRA Section 611 ( B ) requirements regarding the reinsertion of previously deleted material into my credit report. This violation has caused significant inconvenience and potential harm to my credit profile. Therefore I kindly request that TransUnion promptly rectifies this violation by removing the reinserted from my credit report and ensuring strict adherence to the FCRA guidelines in the future. Please acknowledge receipt of this letter and provide me with confirmation of the actions taken to address this matter. I appreciate your prompt attention to this issue and look forward to a timely resolution. Sincerely, XXXX XXXX XXXX
Product: Mortgage

My mortgage included an escrow account is with CMC funding ( Specialized Loan Servicing LLC ). They are not professionally running the tax disbursement from my escrow account. I have to contact them multiple times for XXXX school tax. The statements showd double tax payment on XX/XX/XXXX for {$2100.00} and XX/XX/XXXX for {$2300.00} ( included 10 % penalty ) out of my escrow account. 

When I contacted them, the first agent was mad at me and said this question is for the escrow department, not for the tax department. And then they promised to start an investigation of this double payment. I had to contact our tax collector to confirm the disbursement. He mentioned the check on XX/XX/XXXX for {$2100.00} was NEVER CASHED. The mortgage company should be able to confirm it very quickly and return the credit back to my escrow account soon. 

I had to follow up on this mistake caused by the mortgage company myself, which is wasting my time and money. Obviously, they don't run my escrow account professionally.
Product: Credit card

The issue at hand involves unauthorized transactions made with my credit card since XX/XX/XXXX while I was out of town. These transactions encompass a range of activities, including shopping and dining, amounting to substantial financial losses on my part. Upon detecting these fraudulent activities, I promptly contacted my credit card issuer, Bank of America, on XX/XX/XXXX, to initiate a refund claim. 

Despite my immediate action, the investigation conducted by the bank concluded unfavorably for me, with the bank asserting that the transactions were not fraudulent. This decision was largely based on their observation that the physical card 's chip had been used, suggesting the transactions were legitimate. Consequently, my refund claim was significantly undervalued at {$2700.00}, instead of the actual {$8600.00} loss incurred. 

I have since provided evidence to the bank verbally, including my absence from the country and city at the time of the transactions, to challenge their initial findings. Although the claim was reopened, the disputed amount remains unchanged, and communication from the bank has ceased for over a month. 

Compelled by the fear of accruing interest charges and the potential impact on my credit score, I felt obliged to settle the full balance, despite being a victim of fraud. It is under these circumstances that I seek your guidance and assistance to rectify this situation and secure a full refund.
Product: Money transfer, virtual currency, or money service

Binance.US wouldnt allow me to take out my money and its been over a month which caused me to lose a few XXXX dollars! 
Ive tried contacting them multiple times and Ive never received a reply!
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I wrote to XXXX XXXX and equifax to try to correct certain items on my credit report, including the reporting by achieve loans. 

Over the course of the past year, XXXX XXXX has not corrected the data. In fact they have inserted more incorrect data and it conflicts with my XXXX report which is actually the correct data. 

The achieve loans that I am particularly trying to face was closed in the year of XXXX yet they are reporting over XXXX late payments in the year of XXXX after the loan was closed and charged off. 

The coding is not correct and it is ruining my credit because it is saying I am XXXX  days late several times when in fact it doesnt work that way you XXXX  days late then XXXX  days late then XXXX then XXXX and then it goes to charge off They have it just XXXX XXXX XXXX, XXXX XXXX in the year XXXX way after this loan was closed and at this point because its suppress my credit from being able to buy a car that I wanted and to buy a house that I wanted, I think they are financially responsible for reimbursing me for that aside from just a fine or {$1000.00} because I have submitted this to them every single month Disputes about my credit report and they failed to fix it. They sent me communication in a language that I dont even speak and its like nobody is paying attention. 

I have filed a lawsuit against them in the superior courtesy under the XXXX  XXXX consumer protection act they have still not even answered. They havent answered any of my emails. They have not answered any of my letters that Ive sent to their XXXX XXXX XXXX XXXX they absolutely will not do anything to fix the problem.
Product: Debt collection

XX/XX/XXXX Sent letter to get company to remove debt from my account. this has already been removed and is not my account. this and account has been going on since XX/XX/XXXX. I was never notified of this account in writing or call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bankruptcy is reporting on my credit file with inaccurate data. First, I sent a certified letter to the bankruptcy court in XX/XX/XXXX. I wanted to know how the information was verified. The courts responded on their letterhead ; they do not verify nor report information to the credit bureaus. From there, a certified dispute letter was sent XX/XX/XXXX to XXXX. Per the letter I received from XXXX in XX/XX/XXXX the bankruptcy was removed. 

In XX/XX/XXXX certified dispute letters were sent to XXXX, TransUnion and XXXX. The two letters mention above I sent as well. The disputes came back as verified which is false. I contacted the credit bureaus via phone and all three stated they verified with the courts and XXXX. This is proof that the credit bureaus did not look at the letters nor did the proper investigation. 

If any additonal information is needed please let me know
Product: Checking or savings account

I am writing to file a formal complaint regarding the unjust closure of my Chase checking account. My account number is XXXX. I was informed that my account was closed without any prior notice or explanation. As a result, I am currently unable to pay my rent and bills, which is causing me significant distress. 
I have been a loyal customer of Chase and have always maintained my account responsibly. The sudden closure of my account has left me without access to my funds, and I have not received any valid reason for this action. I kindly request your assistance in investigating this matter and helping me resolve it as soon as possible. 
Please find my details below for your reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Account Number : XXXX I would appreciate a prompt response, as I urgently need to access my funds to cover my living expenses. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX