23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Compass Bank approved me for a loan modification in XX/XX/2017. I asked them for a break down of the numbers to show how them came to the balance owed for the loan modification document. They stated that I would see the numbers when I signed the loan modification paperwork. I went to the bank to sign the modification papers and review the figures. All the bank had was the modification documents. I called the department I had been dealing with and could not reach anyone. I went ahead and signed so as to not lose my home and continued to try and get the numbers from Compass Bank. I never received the figures and when I received my first mortgage statement it showed my first payment due in the amount of XXXX and stated we have referred your account for foreclosure. Again I call and can not reach anyone. I went to the local bank and they said there is nothing they can do nor could they take my payment that I agreed to on the modification papers. This continued on month after month with my payment going to XXXX and each month just kept going up and I couldn't get any help. Then Compass Bank starts foreclosing on my property. I emailed Compass Bank 's attorney and they could not help nor would Compass Bank. They said apply for another modification. They would not even address the questions nor the issue. Then I sent in the request for loan modification just to save my home and XXXX XXXX states its too late I needed to pay thousands of dollars XXXX or XXXX I can't remember because she kept changing the figure or they will not move the sale date. Still not addressing the payment issue. Therefore I had to file Bankruptcy so as to not lose my house,
Product: Debt collection

I purchased a home in XXXX XXXX and as a result, my utilities had to be transferred or shut off completely. My XXXX account ( for internet only ) was one that would n't transfer, so I paid the balance in full and closed it with the intention of opening a new one for my new home. Not even a week later, I did just that and had them come out and install internet services. In XXXX XXXX, I did the same thing for my business : I opened a new XXXX account for internet services and had it installed at my business location. Shortly after that, I received a bill from a collection agency stating that I still owed them a balance of XXXX from my account prior to moving in XXXX XXXX. I disputed this with the collection agency and advised them that they would n't have let me establish two subsequent accounts had I still owed them money. The collection agency said they would take care of it and I never heard back from them. Now suddenly, on XXXX XXXX, XXXX, I get another bill from a collection agency named Convergent saying the same thing : That I owe XXXX a balance of XXXX. I am writing to vehemently dispute this charge. I do not owe XXXX any past balances. The only thing I owe them is what I pay every month for internet services at my home and business locations.
Product: Mortgage

I received a letter dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX regarding my complaints from XXXX ( total of XXXX ). The problem is still not resolved & their records is incorrect!! 

Since XX/XX/XXXX, I have been filing complaints to get what I call JUSTICE. It took XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL, XXXX, XXXX, almost 2 years to rectify the problem in the XXXX XXXX XXXX XXXX XXXX, meantime I was charged interest on money that was exempt which was never refunded. It finally took XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, to apply the XXXX remaining installments {$110000.00}. Ocwen had reverted to the entire amount & was charging me interest on the deferred as well as the interest bearing amount. In addition, {$580.00} ( HAMP Borrower Incentive Accrued ) was never addressed. 

In my statement dated XX/XX/XXXX, my principal balance was {$65000.00}. In my statement dated XX/XX/XXXX, my principal balance was {$61000.00}. In my statement dated XX/XX/XXXX, my principal balance was {$59000.00}. 

There is no breakdown as to how they arrived at the total funds of {$9600.00} from XX/XX/XXXXXXXX. Ad the payments are made the principal including all additional payments should cause my principal to decrease ( discrepancy ). 

In addition, my payments are due in the 1st with 15 days grace period ( XXXX ). XXXX overcharges me XXXX  ( XXXX ). Payments are paid Thru XXXX XXXX but PHH Mortgage & their constituents deliberately take their money out on the XXXX & XXXX XXXX to charge me ( XXXX {$81.00} )
Product: Debt collection

Velocity Investments LLC contacting me about owing a debt to XXXX and I requested a debt validation letter via the mail on XX/XX/2021. I did not receive it and have been receiving calls about it instead. I have the Certified Mail Receipt verifying that I sent it to Velocity Investments. 

They sold it off to XXXX, XXXX XXXX XXXX, XXXX so they could get around this. I requested another debt validation letter but I feel I am entitled to be responded to in a timely matter, so I could make arrangements for payment if I received the letter of validation.
Product: Credit reporting or other personal consumer reports

I am filing this dispute regarding inaccurate personal information on my consumer report, which violates my rights under the Fair Credit Reporting Act. My correct legal name is XXXX XXXX XXXX XXXX XXXX, my current address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, and my current employer is XXXX XXXX XXXXXXXX. Any other variations of my name, address, or employment information are incorrect and must be immediately removed to comply with 15 USC 1681e ( b ), which mandates that consumer reporting agencies maintain the maximum possible accuracy of consumer reports. Under 15 USC 1681b, consumer reporting agencies are only allowed to collect and report information for permissible purposes. Reporting incorrect variations of my personal information without my consent is a violation of this statute. Furthermore, 15 USC 1681n states that willful non-compliance with the FCRA results in penalties of {$1000.00} per violation. Failure to correct and update my information immediately would constitute a willful violation of federal law and subject the responsible parties to legal liability. I demand that the inaccurate personal information be deleted or corrected immediately and that an updated copy of my consumer report be provided to me. If this issue is not resolved promptly, I will pursue further legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

There's something on my credit report I don't know where it come from me recently was added but I it wasn't for me
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/XXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$590.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN. 

This account listed below is a complete VIOLATION of the NO SURPRISES ACT DELETE the listed account ( s ) below immeditely from my consumer report. 

XXXX XXXX open date XX/XX/XXXX last reported XX/XX/XXXX XXXX XXXX XXXX open date XX/XX/XXXX last reported XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank & all 3 credit Bureaus are reporting me late in XX/XX/XXXX & XX/XX/XXXX, I paid 3 payments ahead anticipating major surgegy. XXXX or Credit Bureaus have not been of any help The one account due to neglience dropped my score 100 points.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear to Whom it may concern I am writing on behalf of XXXX XXXX to formally dispute the civil liability claim under 15 U.S.C. 1681o, which pertains to negligence and non-compliance under the Fair Credit Reporting Act ( FCRA ). After reviewing the relevant information, we believe there has been a failure to adhere to FCRA regulations, resulting in an unjust outcome. 

Grounds for Dispute : 1. Failure to Maintain Accurate and Fair Reporting : The reported information appears to be inaccurate, outdated, or unverifiable, violating the FCRAs requirements for data accuracy. 
2. Lack of Proper Notification and Investigation : XXXX XXXX was not properly notified of the disputed information, nor was there an adequate investigation conducted before adverse actions were taken. This constitutes a violation of the duty to conduct reasonable investigations as required by the FCRA. 
3. Negligent Non-Compliance Resulting in Harm : Due to the failure to comply with FCRA regulations, XXXX XXXX has suffered undue harm, including but not limited to financial damages and reputational harm. 

Requested Resolution : Given the violations outlined above, we request the following : mmediate removal or correction of any inaccurate or non-compliant information. 
Full compliance with the FCRAs requirements, including conducting a proper reinvestigation. 
A written response confirming the resolution of this matter and any corrective actions taken. 

Please consider this letter as an official dispute and request for resolution. If the issue is not addressed promptly, we will explore further legal remedies, including seeking damages as permitted under 15 U.S.C. 1681o. 

We expect a response within 30 days as required by law. Please direct all future correspondence to the contact information listed above. 

Sincerely, XXXX XXXX
Product: Debt collection

Per FCRA 15 U.S. Code 1692e - False or misleading representations and 15 U.S. Code 1692c Communication in connection with debt collection - Requested that this company cease and desist communicating and reporting false and inaccurate information to all 3 credit bureaus, having negatively impacted my credit report. They have fraudulently reported information to be " validated '' that has not been validated whatsoever.
Product: Credit card

Throughout, I've made certain payments on this account are prompt, avoiding any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Debt collection

This is a follow up to case Your submission, [ Case number : XXXX ]. I have already submitted my paperwork showing the credit reporting done in error on my account # XXXX. This needs to be removed from my credit immediately as the correct procedure ( to protect consumers ) was not followed therefore reported to the credit bureaus in error. I received no response to my certified letter demanding a validation of what is " said owed ''. I do not owe this debt but if it is handled in the correct fashion and this removed from my credit, as it should have never been in the first place, I will pay the {$130.00}. Please reach out to me through email or fax with this expressed in writing and we will go from there. Once received in writing showing this was done in error and will be removed from my credit immediately, I will mail in a check. This is my final attempt before I seek legal counsel and move on from there to sue for the $ 1000+ damages done to my credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and I seen unauthorized inquires that I do not reocognize.Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissiblepurposes, '' that must be met before anyone can inquire a credit file. I never gave any permission for the following companies to pull my credit report XXXX XXXX XXXX / XXXX   demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Debt collection

I am writing to file a complaint against Plaza Services for violating my rights under the following laws : 12 CFR 1006.34 ( b ) ( 5 ) : Plaza Services has not provided validation information, but yet have placed an account with on my credit report on XX/XX/year>. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the chance to dispute the account. 12 CFR 1006.34 ( d ) : and 15 UFC 1681 S 2 ( 7 ) ( A ) : A collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law, which they are in clear violation of. It was placed on my credit report without my knowledge. If Plaza Services has proof they mailed any documentation to me, please have them supply tracking numbers or receipts of registered mail so we can track what happened if anything was sent. Simply providing documentation is not proof it was provided to me, by law.
Product: Mortgage

I XXXX XXXX appreciate everything Wells Fargo has done for me, especially helping me re-establish a new trade line for my mortgage modification. My complaint will show that my original mortgage was procured with Wells Fargo Home Mortgage back in XX/XX/XXXX. The loan was taken over by their servicing company known as XXXX XXXX XXXX. The old mortgage is reporting on XXXX  under Wells Fargo Home Mortgage, and under XXXX XXXX XXXX with XXXX and XXXX XXXX. It makes no difference to me how it is reported as the time for its removal is upon us. All bureaus show a cut off of at least five years payment history. I believe that my original mortgage was late as far back as XXXX. In any event, the time has expired in my opinion, even though at the very latest this original mortgage would come off XX/XX/XXXX based upon both servicers showing XX/XX/XXXX as an original default date. The 7-year timeline under the Fair Credit Reporting Act applies and therefore both servicers have an obligation to remove the old account mortgage permanently.
Product: Debt collection

Creditor called at XXXX from XXXX claiming to be with " National Fitness '', only revealing they were with a collection agency 5 minutes into the phone call. I explained to them I canceled the gym membership and did not owe anything. They then asked me did I get this cancellation in writing, I said no, I spoke with the gym employee at the front desk and they said they would take care of the cancellation. Apparently, the gym employee never did this. I told the agent it was therefore illegal for them to to still be charging me. The collection agent then got belligerent, so I told them not to call my phone anymore and hung up. The same agent then called again at XXXX from XXXX, again stating they were with " National Fitness '', and began reading my credit card number aloud, at which point I hung up the phone.
Product: Credit reporting or other personal consumer reports

I literally have no idea what is going on with Experian, but I have sent numerous certified mail letters that have been received by Experian i and I have several open CFPP cases as it relates to incorrect and erroneous data being reported by this agency, and as of the date they have not opened any cases based on the certified letter sent disputing the information or acknowledged the open CFPP cases to conduct an investigate of the incorrect information being reported in my credit file as outlined in the fair credit reporting act. Its like theyre wanting to be sued for violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/year> to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any account or information not later than XXXX business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XX/XX/XXXX has on my credit report after opt out on XX/XX/XXXX for no reason and all these promotions in XXXX after opt out. Experian also keeps selling or having companies sending me offers after opt out and does not stop. I have also filed on Experian with the US Attorney office about this situation on my credit file.
Product: Credit card or prepaid card

My Wells Fargo credit account XXXX ( account ending in XXXX ) is used in auto pay service with simple mobile for paying my monthly phone bill. I never canceled my account ending XXXX, or request closure of it, or given any type of instruction or request that would result to closure of my account ending in XXXX. But, today XX/XX/XXXX when simple mobile processed the auto pay as usual and using my account ending in XXXX, the transaction declined by Wells Fargo Bank and XXXX a simple mobile representative provided transaction number XXXX as a result of Wells Fargo Bank decline of the payment. I contacted Wells Fargo bank before and they did not provide me with anything to justify what was done against my account ending in XXXX and I believe that Wells Fargo Bank retaliated against me by restricting my legitimate right to use that account and causing my payment of my phone bill to decline which is going to result Of cancellation of my phone services. Wells Fargo bank decline of my transaction is violation of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5567, and the Sarbanes-Oxley Act of 2002, 18 U.S.C. 1514A ( collectively the Acts ), and their respective implementing regulations at 29 C.F.R.  Parts 1980 and 1985. Wells Fargo also by causing damages from their retaliatory adverse action is also in violation of this bank own consent orders of XX/XX/XXXX and of XX/XX/XXXX with respective the CFPB and the OCC. Wells Fargo Bank assume full legal consequences for its actions against me that are retaliatory and against the laws. 
All stated herein is my current states belief, knowledge and understanding and and it is all subject to any correction or change of any kind and at any time and by my person or my legal counsel and without waiving my rights. 

Thank you.
Product: Debt collection

CURACAO Last reported XX/XX/2020 {$860.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Credit reporting or other personal consumer reports

Upon scrutinizing my consumer report, I've come to the realization that my consumer rights have been breached. Referring to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ), it's explicitly stated that " the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. '' Late payments constitute transactions, and utilization reflects the experience derived from credit usage. However, XXXX, XXXX, Equifax is indicating late payments on multiple accounts listed below XXXX ACCOUNT # XXXX JXXXX XXXX XXXX XXXX SELF ACCOUNT # XXXX XXXX XXXX BANK ACCOUNT # XXXX and/or utilization, which are experiences created by credit usage. According to 15 USC 1681b ( a ) ( 2 ), " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. '' I never provided TransUnion, Experian, Equifax with written instructions to include anything in my consumer report, let alone these late payments/utilization. Furthermore, as per 15 USC 1681 602 Congressional findings and statement of purpose, it's stated that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' It also emphasizes that the banking system relies on fair and accurate credit reporting. Inaccurate credit reports directly impede the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential for the continued functioning of the banking system. The reporting of these late payments is inaccurate, and my privacy has been violated due to XXXX 's, XXXX 's, Equifax 's infringement upon my consumer rights by allowing these late payments/utilization to be reported on my consumer report.
Product: Consumer Loan

I was never late in paying my Capital one Auto Finance. The account was on autopay set up through Capital one and that had been the mode of payment since establishing the account. I paid the account off in 2013. I do n't know how they can justify destroying my credit by stating that I was 30 days late, four times for account number XXXX and that my account was closed by grantor. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Capital one they refused to take this enormous mark off my credit. That account has a zero balance, it was paid off in 2013 and was closed because the loan was paid off. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment off my credit report.