23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Have not received a single accurate statement from Homepoint Financial, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 

XXXX XXXX HPFC acquired my account. On XXXX first a payment of {$2500.00} was made to XXXX XXXX  XXXX, on the XXXX of the same month another payment of XXXX was made XXXX XXXX. A conversation with a representative of XXXX XXXX confirmed that all payments made in XXXX would be applied to principal. A final {$1000.00} payment was made, this time directed to HPFC, so that I could trace how payments would be handled. 

Thus begins the morass, and my deep disappointment in their organization. 

I sent this request to them last Tuesday : -- -- With this missive I want to establish without question that the initial balance on XXXX first is {$260000.00} and not {$270000.00} as listed on the first statement on record. Therefore using a periodic rate of XXXX, the accrued interest is {$460.00}. 

I would appreciate a statement of agreement on this point. If that is not possible I would like a detailed explanation. 

I look forward to your reply, and will forward other points of contention at that time. I expect an answer within the week. 
-- -- They do not honor payments intended for principal. The last statement available on line lists {$1800.00} in interest. They have only had the loan for three months. A quick estimate, multiplying the initial interest by three is {$1400.00}! 

I have tried on multiple occasions to acquire satisfaction over the phone. They assure corrections will be made, but are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1692c. ( C ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and original creditor I am demanding all of the following : XXXX out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports
Product: Debt collection

Debt validation letter. This false account has already been removed previously and now theyre trying to illegally put it back on my credit report.
Product: Money transfer, virtual currency, or money service

{$5900.00} USD was paid to me in my Paypal account. Paypal indicated to me that money would be avaialble to me in 48 hours. The 48 hours has expired and they refuse to release the money to me.
Product: Debt collection

Caine & wiener is reporting a debt on my credit reports. XXXX is listed as the original owner. However, XXXX  was notified that the vehicle was repossessed XX/XX/2021 and therefore there should be no balance owed. Documentation to support this was sent to XXXX However, this is reporting as valid and it has not been validated or verified. It is causing issues with me getting an apartment.
Product: Mortgage

After contacting the Securities and Exchange Commision ( SEC ) I was told that XXXX XXXX  XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX was delisted and no longer a security. XXXX XXXX XXXX XXXX XXXX, as Trustee for the Registered Holders of XXXX XXXX XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX brought a Foreclosure action v. XXXX XXXX XXXX on XX/XX/XXXX. It is still in Court. XXXX XXXX XXXX XXXX XXXX, Holders of XXXX XXXX XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX was just granted the right to enforce this mortgage of {$180000.00} on XX/XX/XXXX even though the Security was delisted by the SEC. XXXX XXXX XXXX complaint is that this is an invalid Asset-Backed Security that XXXX XXXX XXXX XXXX has no right to enforce. The Court of Common Pleas in XXXX issued a ruling in favor of myself ( XXXX XXXX XXXX ) in XX/XX/XXXX, and rescinded the refinance.XXXX  committed a Truth in Lending violation at closing in XXXX XXXX properly and timely informed XXXX to rescind the refinance. XXXX XXXX XXXX was given the wrong Right to Cancel Form for this refinance of a previous XXXX XXXX. I would like XXXX XXXX XXXX XXXX XXXX, as Trustee for the Registered Holders of XXXX XXXX XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX to be restricted from enforcing this Note on his residence in Pennsylvania. XXXX XXXX XXXX XXXX was fined {$7.00} XXXX dollars in XX/XX/XXXX. {$4.00} XXXX was supposed to be allocated to reducing Principal and their loan Servicer XXXX XXXX  was fined {$2.00} XXXX dollars recently. Neither entity has offered to help homeowners like me reduce Principal on this invalid Security. Your help would be appreciated.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Credit Collection Service representing The XXXX XXXX XXXX. has repetitively sent correspondence demanding payment for an unknown debt. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2018 Amount {$140.00} The XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theses are the inquiries that I have been disputing they were taken off the other 2 bureau reports. These were unauthorized and I would like these to be taken off immediately. I have sent in all proper documentation. I was denied credit for the COVID-19 funds XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX , GA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same account on my credit report was misleading when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate the same account reporting as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

As far as I know FDCPA requires XXXX point verification in order to disclose. I was contacted 2 times now where as soon as I answered to my name they disclosed that I owe {$1300.00} and they want payment. At no point would they listen to my concerns about privacy. They just kept cutting me off and asking for payment. The manager did the same thing and when I asked for his manager he hung up on me because " you do n't want to resolve this '' I told him they called me and not to hang up and he did it anyways.
Product: Credit reporting or other personal consumer reports

The details of the fraudulent Inquiries are as follows : 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: Vehicle loan or lease

I hope this email finds you well. I am reaching out to address a critical matter regarding the recent refinancing of my car from XXXX to XXXX XXXX. Following the completion of the refinancing process and the dispatch of the check to XXXX, an unforeseen discrepancy has arisen, leading to significant financial and credit implications. 

It has come to my attention that, despite the issuance of the check to XXXX, the finance companies involved failed to credit the payment to my account appropriately, resulting in an outstanding balance being incorrectly reported. This oversight has regrettably led to an erroneous late payment notation on my credit report, causing a substantial decline in my credit score. 

Upon discovering this issue, I promptly contacted XXXX XXXX to seek resolution, and they have acknowledged the error and agreed to remit the outstanding amount to Bridgecrest. However, it is disconcerting to note that Bridgecrest failed to communicate any outstanding balance to me, leading to this unfortunate situation. 

Moreover, during a review of the payment records, it has become apparent that Bridgecrest still shows a payment overdue from XXXX, despite the car loan being fully settled following XXXX XXXX XXXX request for a 10-day payoff. The persistence of this erroneous information further exacerbates the impact on my credit score due to the unjustified late payment recording. 

I wish to emphasize that the late payment and subsequent credit score decrease were in no way attributable to any negligence on my part but rather resulted from the mismanagement of the payment process by the finance companies involved. Therefore, I urgently seek your assistance in rectifying this matter and ensuring that my credit report accurately reflects the resolution of this issue.

I kindly request a prompt investigation into the discrepancies outlined above and the necessary actions to correct the erroneous late payment notation, as well as the overdue payment status from Bridgecrest 's records. Your immediate attention to this matter is greatly appreciated, as it is imperative to restore the integrity of my credit profile in a timely manner.

Thank you for your understanding and cooperation in addressing this urgent issue. I look forward to your prompt response and the resolution of this matter at your earliest convenience.
Product: Credit card

I disputed a charge on my Bank of America credit card and provided copious documentation to support my dispute. BOA denied my dispute without requiring any information from the merchant OR providing me a valid reason why the documentation I provided was not sufficient. XX/XX/2016 I ordered an engraved cremation urn. Merchant engraved incorrectly. In my order I requested the name to be in ALL CAPITALS. Merchant did not do this. I initially tried to resolve with the merchant who refused to call me back or respond to emails, which necessitated the dispute. In my dispute I provided BOA a copy of my order which detailed the engraving request and pictures of the item received which CLEARLY show that the name was not engraved in all capitals. I also provided an outline of all my attempts to contact the merchant. BOA initially removed the credit card charge, but then requested that I find a third party expert to inspect the urn ( in person ) and provide written documentation to support my dispute. I responded to BOA, in writing, that this was not reasonable ( I did not know a local merchant who specialized in urns or who would be willing to get involved in my credit card dispute ). I outlined all of the documentation I had previously provided. I also asked BOA to provide me with the merchant 's response to my dispute, in addition to any documentation the Merchant was requested to provide to support that they fulfilled my order as requested ( to date, the Merchant still has not provided me with the item I ordered, for which I was charged {$140.00} ). Without any response to my written response/request for information, BOA arbitrarily denied my dispute. In summary, my complaint is that BOA did not demonstrate due diligence in their " investigation '' of my dispute. They totally disregarded the documentation I provided, they did not respond to MY request for information regarding their investigation of my dispute, they did not require the Merchant to provide documentation that my order was fulfilled as requested and overall did not protect my rights as their customer.
Product: Debt collection

I am receiving phone calls periodically at work from Portfolio Recovery Associates stating that I owe a debt to XXXX XXXX resulting from a credit card account. I have stated that I am a current XXXX XXXX cardholder and know of no past due balance to XXXX XXXX and have told them to not call me. 

Upon further review of my credit reports, I have found that Portfolio Recovery has been doing a soft pull of my credit reports on a monthly basis for a very long time. 

I know of no debt to XXXX XXXX or Portfolio Recovery, and feel that their attempts to collect this debt ( which either does not exist, is an authorized user account under which I have no responsibility, or a time barred debt under the FCDPA ). I am demanding that Portfolio Recovery either provide proof of a legitmate debt, in writing, stating in full to include all pertinent information, or stop harassing me on the phone and stop pulling credit information as I feel that there is not a permissible purpose under the law for obtaining my credit information, and is certainly a violation of my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in addition to complaint ID XXXX I am a natural person. I am a living, human being, I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed, because according to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. I have been fighting this debt forever, as it is not mine. I have made numerous attempts to understand the inexplicable pattern of so many inquiries one after the other the same day, the same lender, repeatedly within a month but, what I can't seem to understand is how the top companies in the world couldn't flag such activities on my account but worse than that you couldn't even contact me to make sure it wasn't an error. I repeatedly try to look for answers and explanations from you and was led to believe without even questioning its legitimacy. I'm a VICTIM of XXXX DATA breach in XXXX. I have rights as a victim. 
XXXX XXXX XXXX Acct # XXXX Bal {$2000.00}, XXXX XXXX XXXX I Acct # XXXX XXXX {$19000.00}, XXXX XXXX XXXX I Acct # XXXX, XXXX XXXX Acct # XXXX Bal {$1500.00}, XXXX XXXX Acct # XXXX Bal {$1700.00}, XXXX XXXX XXXXXXXX # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am wanting to delete these inquiries off my credit report that I didnt authorize. This is fraudulent. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Account Name : XXXX XXXX XXXX  Account Numnber : XXXX Amount : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX {$130.00} On XXXX XXXX 2020. The collection agency Trans World has a amount of {$110.00} I cant get them to remove it from my credit file. I told them of my rights under the consumer protection act. They don't seem to understand that they need to remove from my credit report.
Product: Credit card

XX/XX/XXXX-XX/XX/XXXX I had a couple hardships and was not able to work as many hours in previous years. I kept in contact with my creditors, including Bank of America ( Acct # XXXX XXXX ), stating when I was able, I would resume payment on my account. In XX/XX/XXXX Bank of America via FIA Card Services XXXX. reported a XXXX to the IRS with a XX/XX/XXXX date for {$23000.00}, which I then revised my XX/XX/XXXX taxes to include this XXXX and have been paying the IRS for this forgiven debt income. In XX/XX/XXXX, Bank of America started to report to the credit agencies that I have an open balance of {$24000.00} ( Acct # XXXX XXXX ). I have written Bank of America and received a letter stating that acct # ending in XXXX, case # XXXX has been charged off as of XX/XX/XXXX. Although Bank of America sent this to me, they still confirm to the credit agencies that my account has an open past due amount of {$24000.00} & with each credit card bureau, I have to fill out a form each time they resubmit as each time BOA resubmits my credit score drops significantly. This feels like harassment to me. Even though the credit bureaus note " customer disputes this item '', I still have to resubmit a research request form periodically each time Bank of America reports that I have an open, past due balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to have XXXX  on account incorrectly. I am attaching the monthly payments. XXXX was not late 5 times. XXXX has been reporting falsely for months and I have contacted XXXX XXXX XXXX  XXXX  which handles Consumer issues and they will investigate the company on these unless this is fixed. They continue to report avail credit incorrectly as well. As reported does not match the statements either. I have paid them over 2600 Attached is all proof. Also Transunion continues to report hard inquiries incorrectly. I have disputed all the ones I did not authorize. I did contact the ones I am disputing most of them do not answer any calls or emails because scams and 3rd party internet predators. I have 6-7 inquiries on XXXX  and XXXX. Transunion is the only one with almost triple amount. These need to removed immediately. These inaccuracies are causing harm and not being removed. Also attached the information as Transunion website will not allow me to dispute online it just goes to attached screenshots and sits there or tells me I have to pay XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is sending texts to my cellphone ( XXXX ) looking for " XXXX. XXXX They are spoofing my own number ( so it appears that the text is coming my own phone ). I am not XXXX, I do not know anyone named XXXX. I do not know anyone that owes a debt to a XXXX Credit Card debt. 

I have called twice ( XX/XX/XXXX at XXXX and and XX/XX/XXXX at XXXX XXXX ) to resolve this, they claim they would stop contacting me but have continued to contact me.
Product: Student loan

Fed Loan improperly denied my PSLF using wrong or inaccurate applicaiton criteria. I submitted on more than one occassion my employment verification, they did not apply my prior payments in all plans as set forth by the Department of Education. I have followed all of the steps set forth by the Derpartment of Education established in XX/XX/XXXX, under the temporary waiver for PSLF. They do not communicate with me, despite emails and phone calls. I am submitting an appeal that will likely be disregarded. Per the temporary waiver criteria I have calculated I have made at least 101 payments towards the required 120. I demand credit towards the PSLF. I want an immeidate correction to the applicaiton I submitted on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX {$6800.00} / {$5200.00} XXXX. XXXX XXXX XXXX acct # XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$750.00} IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX, XXXX XXXX, Equifax HAS VIOLATED MY RIGHTS AS FOLLOWING 15 U.S.C.1681 SECTION 602A STATES I HAVE THE RIGHT TO MY PRIVACY 15 U.S.C. 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX  # XXXX, Account name : DPT EDXXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case