23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX back in XX/XX/XXXX. I paid a huge bill of {$3000.00}. I then got a notice from the hospital saying I owe more money back on XX/XX/XXXX of XXXX saying I owe {$4000.00} and that its due by XX/XX/XXXX. I told them I never received a bill, but the. Told me I cant even make a small payment because it was transferred to Certified Solutions, and that I should wait until I get a letter from them ( you guys ). I cant afford XXXX I would like to workout some plan but I need the bill first to see if this is true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : EXPERIAN XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect items was 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/2022,, 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 items 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 XXXX XXXX XXXX immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, these accounts below need to be removed, I went to the police station and gave them all the account numbers to these accounts someone opened in my name, I have talked to the vendors and they advised to file a police report By law these accounts need to be removed within 4 business days, this is not my first dispute, the cfpb has been failing to up hold the law to Equifax and my dispute have been unheard and not have been properly investigated, the police report has been attached to this dispute and all other required documents to confirm my identity XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To let it be known once and for all and finally the truth to come from JP Morgan Chase Bank, NA XXXX XXXX or her representatives at JP Morgan Chase located at XXXX XXXX XXXX Mail code XXXX XXXX, LA XXXX XXXX. XXXX XXXX That you are aware that XXXX XXXX committed fraud when he conned me to move out XX/XX/XXXX and never got clear title with XXXX XXXX  or neither XXXX XXXX XXXX XXXX XXXX. That you are aware of FTC # XXXX FILED XX/XX/XXXX and my letter sent to MERS on the matter. That you can confirmed I spoke to an representative female from the FTC on or around XX/XX/XXXX advising me to call chase lien release dept. and " ASK THEM WHAT THEY WILL DO FOR YOU ''. That upon that call two female employees apologized for what XXXX XXXX had done to me and promised me a Discharge of Mortgage on the property and congradulate me on a paid up loan for XXXX. That you are aware no foreclosure sale were made to MERS FOR XXXX. That you are aware of or can look up the records that upon my call to chase executive office XX/XX/XXXX and my discussion with XXXX he said, XXXX XXXX I AM LOOKING AT THE SYSTEM AND YOUR LOAN NEVER WENT INTO FORECLOSURE STATUS AND IS IN LATE PATYMENT STATUS NOW. Loan no. XXXX MIN XXXX and evidence of my trust account with the OCC as case XXXX then notice dated XX/XX/XXXX dept. of treasury as claim id. XXXX and notice from chase on XX/XX/XXXX as my claim as claim no. XXXX. Please Investigate.
Product: Credit card

I applied and was approved for a Bank of America XXXX credit card in XXXX XXXX. The terms and conditions I received from BOA with my credit card specified that I had a 0 % introductory APR on purchases made prior to XXXX XXXX. All purchases made after XXXX XXXX would be subject to the standard APR. I searched the remainder of the T & C 's document to be certain the balances remaining would not be subject to the increased APR, and nothing on the terms and conditions indicated that purchases made during the introductory period needed to be paid in full prior to the end of the introductory period. I was very pleased and adjusted my spending accordingly. 

I received XXXX notification advising that my terms and conditions had been adjusted ( in XXXX XXXX ), but that notification did not reference the introductory APR. Each of my bills notified me that the introductory period would expire in XXXX XXXX, but that was no surprise to me. I knew purchases made after the introductory period would be subject to an increased APR. I used my entire limit prior to the expiration of the introductory period, but was quite surprised when I noticed a {$90.00} interest charge in XXXX of XXXX. 

I immediately called Bank of America and was told by the representative that BOA only sent me the short form of their terms and conditions, but the long form ( viewable by BOA employees only ) included language that specified balances carried forward would be subject to an increased APR. Naturally, I was quite frustrated to learn that BOA intentionally misled me by giving me an abbreviated contract that left out critical details like this. He agreed and credited the {$90.00} with the promise that future interest charges would be investigated and adjusted to honor the terms and conditions. 

Now it is XXXX of XXXX, and the majority of the balance remaining on my card is erroneously charged interest. Bank of America never responded to the request from XXXX XXXX, and they refuse to credit my account the interest charged on purchases made from XXXX XXXX - XXXX XXXX. 

The terms and conditions available on their website now ( presumably those that new card holders receive ) read much differently than those provided to me as they indicate the inroductory APR only applies to the first XXXX billing statements. I wish I received those terms. Had that been what was represented to me when I secured the card, I would have managed my spending accordingly.
Product: Debt collection

I started making payments in the income based repayment plan in XXXX with my loan provider with XXXX in public loan debt. I was told that I was making qualifying payments for the PSFL program once I consolidated my loans and was in the income based plan. I applied for the XX/XX/XXXXLoan Forgiveness {$5000.00} reduction after 5 years of teaching, not knowing that this would wipe out 5 years of payments I made under the income based repayment plan to count towards qualifying payments under the PSLF plan. I've gone round and round with people saying I will give the $ XXXX back and have been told sorry about your luck, which absolutely isn't right. No where did it say I would forfeit this benefit by taking the reduction and I would have never done it had I known this would be the case. I should have 120 qualifying payments in XX/XX/XXXX, but now this has been extended another 5 years and will cost me over $ 20k. XXXX has also lost some of my payments made from past providers and told me they would look for them and do a recount, but it could take a year. It's already been 7 months. Their company is the absolute worst and if you XXXX  this, there are many others out there that they have done this too. You can no longer track how many qualifying payments you have made on their website either. I also saw a recent study where 99 % of the applicants that tried to get their loans forgiven after their 120 qualifying payments were made were denied. It sounds like a scam to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX  report. Looking into that after seen XXXX late payments on Experian. I called my XXXX  where I received the loan for my car. I see Experian say I owe XXXX, XXXX has I owe XXXX and XXXX says I owe XXXX dollars on my car loan. All info is incorrect which is messing up my credit score. I only owe XXXX. However, I have sent out to bureau and the information still shows inaccurate. Still continuing to report errors on my credit report, which is causing damage to my credit. I requested an investigation and they have failed to correct the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX**** ... CREDIT MGMT ( Original Creditor : 11 XXXX XXXX ) XXXX ... XXXX XXXX XXXX Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Mortgage

I called my mortgage company to re-fi they told me I was not reported as paying on time on my credit report. I asked them to please correct that as they are my mortgage company and they can see I have never been late or missed a payment in the entire 6 1/2 yrs that I have had a mortgage. They confirmed that was correct but said it was in my bankruptcy from 3 yrs ago. I said if that was so why would I still be paying it and living here. it makes no sense. They want me to hire a lawyer and re-open my case, I spoke with a lawyer and he said they have the power and the duty to report correctly to the credit bureaus that the mortgage is active and open and payed for on time, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am currently applying for a mortgage and i need a fraud alert found on my Experian credit report removed. 

I on XX/XX/19 i mailed to Experian a request to remove the fraud alert. I enclosed with all the documents needed XXXX copy of SS card, Proof of address, Photo id ) but my mortgage broker re pulled my credit report today and the fraud alert was still showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account ( # XXXX, opened XX/XX/XXXX ). This account has been auto drafted out of my checking account and needs to be removed from my report. 

XXXX account ( # XXXX, opened XX/XX/XXXX ). This account has been auto drafted out of my checking account and needs to be removed from my report. 

XXXX XXXX account ( # XXXX, opened XX/XX/XXXX ). This account was paid in full through the XXXX payment site and needs to be removed from my report. 

( unnamed ) credit record ( # XXXX, opened XX/XX/XXXX ). Health coverage states account is paid. 

( unnamed ) credit record ( # XXXX, opened XX/XX/XXXX ). Health coverage states account is paid. 

( unnamed ) credit record ( # XXXX, opened XX/XX/XXXX ). Health coverage states account is paid. 

( unnamed ) credit record ( # XXXX, opened XX/XX/XXXX ). Account has been paid and needs to be removed from report. 

Attached is a copy of each letter I am re sending to each bureau as well as a copy of my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Entry on Credit Report To Whom It May Concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements XXXX 

The inaccurate entry is as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Past due XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Past due balance : {$510.00} Creditor Name : XXXX XXXX XXXX Account XXXX Date of Charge-Off : XX/XX/XXXX Past due balance : {$680.00} XXXX redispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity.

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA.

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant.

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report.

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report.

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Debt collection

Amerassist has threatened to continue to pursue me for a debt I do not owe. XXXX XXXXXXXX cancelled my account and I have provided proof of cancellation. Amerassist keeps responding with a validation response when that is not the issue. Both XXXX XXXX and Amerassist are continuing to pursue me for a credit I do not owe. The country had a mandatory shut down due to the pandemic. XXXX XXXX could not remake the trays that were done incorrectly because we were in the beginning stages of the pandemic. XXXX XXXXXXXX closed their shops on XX/XX/2020 and XXXX XXXXXXXX cancelled my account on XX/XX/2020 because they could not make my trays and could not provide me the service that I signed up for. This is not a validation issue this is a human rights issue. XXXX XXXXXXXX made two top trays instead of a top and bottom tray they could not provide service to me so they cancelled my services and forgave debt. Amerassist has no right knowing my medical information or trying to pursue me legally. This is a complete violation of my rights. This is also a violation of the state of New Jersey as it was in a mandatory shut down. The response from Amerassist is abusive We have provided the consumer with validation of the account. The reasons for dispute given by the consumer to our agent, the XXXX XXXX XXXX and the CFPB are inconsistent. AmerassisXXXX has blocked the consumer 's account with a cease & desist to prevent any further communication. The account, however, remains due and outstanding to XXXX XXXXXXXX and will continue to be reported to credit reporting agencies. XXXX XXXX email XXXX for this I am asking for monetary relief at this point and for Amerassist to stop pursuing me for a debt I do not owe. Amerassist and XXXX XXXXXXXX are committing Fraud and someone needs to investigate both companies. For Amerassist to just dismiss what I am saying and block communication when they have no right to have my information in the first place is injustice. This is Covid Protected we were in the beginning of a pandemic that the world has never seen and everything shut down. There was no operation due done from any company due to fear of passing Covid along. XXXX XXXX and Amerassist are in violation of the State of New Jersey which went into a State of Emergency on XX/XX/2020 by Governor XXXX. I have no obligation to XXXX XXXX and Amerassist and for this I ask for them to stop trying to collect and stop the abuse and harassment.
Product: Vehicle loan or lease

In XXXX I received an auto loan from Exeter finance through XXXX XXXX in XXXX, La. Over the years I paid XXXX payments. I paid them double what the original amount of {$15000.00} sales price. At the maturity date of the loan XX/XX/XXXX they said I still owed Exeter close to {$10000.00}. ( XXXX XXXX of original sale price of the auto ) I cant get straight answers to how theyre applying interest especially when they offered me extensions. 
My loan matured in XX/XX/XXXX, Ive paid XXXX extra payments after the maturity date as I tried to figure out what the extra {$10000.00} was for and how I could have rectified or at least come to agreement with them. 
I tried to refinance the {$10000.00} and they told me I had to pay it all in full. 
They said that my account was over 100 days in the rear even though I have made XXXX payments since XXXX all the way up to XX/XX/XXXX. 
I didnt make a payment in XX/XX/XXXX because the email I requested of a full statement explaining how the interest and fees were applied to my account never was sent to me. 
They repossess my vehicle said they would only take a {$9000.00} payment which was the balance after the XXXX extra payments I made in XXXX and XXXX. 
I asked if I could refinance the {$9000.00} they said they dont do that. 
I researched online and discovered that Exeter has been sued by more than XXXX State Attorney General ( I know for sure in Michigan by XXXX XXXX ) where they had to pay millions back to consumers due to predatory practices so I am wondering if that is happening to me.
Product: Mortgage

I have concerns over the handling of my mortgage account as well as issues that arose prior to the transferring of my mortgage account from Fay Servicing , LLC to XXXX XXXX XXXX. I feel as if I was taken advantage of financially by Fay Servicing , LLC in the last few months of the company servicing my loan. I also feel that my mortgage loan account was mishandled therefore causing confusion, discrepancies, numerous errors, over assessment of fees and potential unfair business practices.
Product: Debt collection

Dear NATL RECOVER ( Original Creditor : 10 NATIONAL GRID RHODE ISLAND ENE ) ; This is fraudulent reporting! I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

This account is a loan from XXXX of XXXX. I guess I never made a payment, and then it went to collections with XXXX XXXX XXXX in XX/XX/XXXX. I have disputed this multiple times with the credit agencies, but the information keeps coming back accurate. They claim the first date of delinquency is XX/XX/XXXX, but it is actually XXXX or XX/XX/XXXX. Making this debt too old to be on my credit report. I have the documentation they gave me, and they also spoke to me on a recorded line stating I never made a payment.