23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BILLING AND TRANSACTIONAL CONTRADICTIONS : AS NOTED BY CONSENT ORDERS WITH CFPB UNFAIR DECEPTIVE ACTS OR PRACTICES POLICY FILE NO XXXX AND FILE NO XXXX  A XXXX  BALANCE ACCOUNT : XX/XX/XXXX XXXX XXXX STATEMENT XX/XX/XXXX THRU XX/XX/XXXX, BALANCE {$0.00} TRANSACTION ON XX/XX/XXXX XXXX XXXX XXXX CHARGE OFF XX/XX/XXXX XXXX XXXX BRANCH BALANCE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX, BRANCH XXXX XXXX   BALANCE INQUIRY AT XXXX XXXX BRANCH ACCOUNT NUMBER ENDING XXXX  BALANCE {$0.00} WITH RECEIPT A {$39.00} BALANCE ACCOUNT : XX/XX/XXXX LETTER FROM XXXX XXXX THERE IS A BALANCE DUE PAID CERTIFIED MAIL XX/XX/XXXX, BALANCE WAS XXXX. WE STILL HAVENT RECEIVED PAYMENT FOR YOUR PAST DUE BALANCE OF {$39.00} PLEASE SEND US YOUR PAYMENT AS SOON AS POSSIBLE. FIRST AND ONLY LETTER RECEIVED CONCERNING A BALANCE?

45 DAYS LATER YOU RECEIVE A BILL FOR THE CHARGE OFF AS IT IS NOW A BALANCE ON A CLOSED ACCOUNT. THE ACCOUNT IS CLOSED. XXXX   REOPENS THE ACCOUNT TO ADD OR CREATE A BALANCE AND THEN BILL IT AS DELINQUENT OR NEGATIVE CREDIT REPORTING?

HOW OR WHY WOULD, THAT HAPPEN?

CREDIT REPORTING CONTRADICTIONS : 4 XXXX LETTERS REGARDING XXXX XXXX XXXX  REPORTING AND IT STILL IS NOT REMOVED, HOW LONG DOES IT TAKE FOR XXXX   WHO HAS A BUSINESS RELATIONSHIP WITH EWS   TO SEND A DIGITAL TRANSMISSION TO REMOVE THE REPORTING THAT YOU FURNISHED?

IT DOES NOT TAKE 30 DAYS AND IT DEFINITELY DOES NOT TAKE 7 MONTHS PLUS.

XXXX TAKES ADVERSE ACTION WITHOUT INFORMING THE INDIVIDUAL THAT YOU DID REPORT IT TO EWS AND YOU REPORT INFORMATION THAT YOU CAN NOT VALIDATE? EWS IS SPECIFICALLY FOR FRAUDULENTLY CLOSED ACCOUNTS OR ACCOUNTS CLOSED WITH A BALANCE IN COLLECTIONS ONLY.

XXXX STATES IN YOUR LETTERS WE ASKED EWS TO REMOVE YOUR NEGATIVE ACCOUNT STATUS YOU MAY CONTACT EARLY WARNING SERVICES TO DISCUSS THE REMOVAL OF THE NEGATIVE REPORTING XXXX  STATES IN YOUR LETTERS THERE IS AN ACCOUNT CLOSURE CLOSED REPORTED TO THE EARLY WARNING SERVICES ( EWS ) WE HAVE SENT A REQUEST TO REMOVE THIS STATUS AS WE ARE UNABLE TO VALIDATE THE ACCURACY OF THE REPORTING YOU REPORTED, YOU ASSUME RESPONSIBILITY TO REMOVE IT, YOU ASSUME RESPONSIBILITY TO CONFIRM IT HAS BEEN REMOVED IN WRITING TO THE INDIVIDUAL.

XX/XX/XXXX XXXX  LETTER XX/XX/XXXX XXXX   LETTER XX/XX/XXXX XXXX LETTER XX/XX/XXXX XXXX   LETTER
Product: Mortgage

I have recently filed a complaint against my mortgage company, Bank of America XXXX XXXX XXXX. The company claims to have followed the legal guidelines by issuing me the appropriate documents for me to use to apply for a modification of my loan. I was informed that my loan could not be modified. So, I was not anticipating the receipt of those forms. I never received a notice of acceleration of the loan. They say that two notices were sent to me. I never received any such documents. They state that they sent two certified letters to me discussing a possible sale of my property. I never received any certified mail from them ; however, I found a receipt online at my USPS online account that is time stamped in, marked as refused and it was returned with the same time stamp in the same minute. No attempt was made to deliver either document. I would never refuse any certified letter. Due to the lack of distribution of these legal documents. Bank of America changed the trustees who should have also sent me a certified letter informing me of a foreclosure sale of my home of twenty two years. They did not. 

In fact, after I notified XXXX XXXX of my recent XXXX status, all correspondence, notices, emails and phone calls completely ceased. I know that the information of my XXXX status and my age of XXXX, made me appear to be an undesirable client. This is discrimination of the XXXX XXXX on a fixed income with XXXX income. From their response to my previous complaint, they published many documents that I have never seen along with a sympathetic letter to me conveying false empathy for my permanent XXXX XXXX XXXX, so insincere. Due to the fact that I never responded or re
ceived any of these mythical documents. They felt they had the right to auction my home to the highest bidder on the courthouse steps which I consider to be public humiliation. I thoroughly object to their dismissal of me as they circumvented the law providing me due process and have the sale Null and Void.

They know I was never sent the many letters and notices that they allegedly sent to me. Bank of America, Countywide Home Loans, XXXX XXXX XXXX XXXX, and XXXX XXXX are guilty of fraudulent claims and discrimination toward the XXXX  and the XXXX. 

With the mounds of money they have been paid from me, they should deliver me with an unencumbered deed to my property.

Watch out fellow Americans if you find yourself having to deal with any of these henchmen. I refuse to let them put me out of my home making me homeless, penny less, with a lifelong XXXX. This is so wrong on so many levels.
Product: Mortgage

Rushmore servicing is servicing a mortgage for a rental

property. I pay into an escrow account every month for taxes and insurance. I received an email that my insurance coverage was canceled because of non payment. I checked my escrow account and the money to pay the annual premium is there but Rushmore never issued the payment. The customer service line is only an automated system. It is impossible to speak with a human. They do not offer an em
a

il address and the " messaging '' process simply directs you back to the automated system that doesn't allow you to speak with anyone. Meanwhile I have a rental property that does not have insurance coverage and I can not speak to someone to fix this. How is this company allowed to operate like this?! This is the worst customer service I have ever come across! If I could get out of this mortgage I would and I would encourage everyone to stay as far away from Rushmore Servicing as possible!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy. 

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Our house went info forclosure after almost 20 years when I lost my business my wife XXXX and I both have been trying to communicate and collect the overage with JP Morgan Mortgage XXXX XXXX and the Attorney Collection agency XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX mtg file XXXX They keep telling us they will send paperwork and they will not, they finally sent one email asking if we wanted the money owed to us after 6 months and then were suppose to send more paper work to receive it. It has been 7 months now and its still not moving forward. 

We have called a million times and still nothing. They are always saying they are going to send it and they never do. No matter how much we ask. We would like to get our money owed back to us from the sale of our home from overage.
Product: Credit card

I made a reservation for parking my vehicle near airport for vacation through my desktop computer on XXXX I cancelled the reservation later the same day all in accordance with the merchant 's deadlines to do so and was refunded XXXX XXXX  when the purchase was for XXXX usd. Per their website they are only allowed to refund XXXX  if one is using their app, furthermore they only gave less than 50 % refund. 

I disputed the charge with Citi Mastercard. The merchant replied, upon initiating the reply, the merchant revoked all XXXX  they rendered meaning I received no refund whatsoever now as opposed to a less then 50 % refund of virtual money. I submitted evidence which proves I acted within the merchant 's own refund policy, as seen in attachments, that they are not entitled to refund me XXXX, furthermore that the XXXX  were revoked, then all evidence of the transactions and the XXXX  was deleted by XXXX to cover up their malicious acts. This proves the merchant defrauded me. 

Citi closed the dispute in favour of the merchant claiming I did not follow their return policy even though the emails submitted into evidence are proof beyond a reasonable doubt that they were given the very evidence they purport to be absent to accept such a claim. No merchant who intentionally defrauds someone is going to give " valid credit slip or chargeback approval letter from the merchant to prove they agree you are due credit for this charge ''. It is the duty of Citi to protect consumers against such fraud otherwise it enables all merchants to do this to any consumer they wish to exploit, creating a positive feedback loop which encourages the illegal conduct. 

Citi 's policy in the end is to accept the merchant 's claim no matter what, threaten to destroy my perfect credit score to get me to pay fraudulent charges, and clearly XXXX is aware of such and games the system to exploit consumers in a manner which allows them to never refund anyone ever if they so choose. The dispute process is therefore a formality for show which offers no recourse for victims at all.
Product: Mortgage

Based on SPS escrow account history. You can see that SPS was charging more per monthly payment than they had to. Based on SPS ESCROW History for XXXX SPS was charging me {$190.00} when they only needed to be charging me {$170.00}. Due to the fact that the taxes for XXXX total was $ XXXX XXXX {$170.00}. per month. SPS then again in XXXX charged me {$190.00} for escrow when they should have only charged me {$170.00}. Taxes for XXXX $ XXXX XXXX {$170.00}. Then SPS midway added FLOOD INSURANCE which they should have not do to my HOA pays for the FLOOD INSURANCE and SPS was faxes and uploaded thru their system a copy of the Flood Insurance Policy back in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I previously submitted a complaint regarding this companys false reporting of an account to my XXXX, XXXX and XXXX credit reports for a balance of {$940.00} on behalf of XXXXXXXX XXXX XXXX Following my complaint with CFPB, the account was only moved to closed status, but not removed from my XXXX report and still remains as open accounts on both my XXXX and XXXX reports. After more than 30 days with no changes to the remaining two reports, I filed a dispute online with both credit bureaus, XXXX and XXXX. Similarly to a prior dispute with XXXX, the company returned the dispute back as verified as accurate. Prior to the closing of this account on my XXXX report, the Consumer Adj company increased the balance on this account from {$940.00} to {$940.00} prior to updating the status to closed, causing a change in my credit score and resulted in a notification from XXXX regarding the increase in a collection account. The company has still not provided any documentation proving that this is my account, or that I owe any money to them or to XXXX XXXXXXXX XXXX  Once again, I do not acknowledge this debt and it needs to be closed and REMOVED from all three of my credit reports without any changes and updates to the balance. Seemingly, this company is unaware of fair debt collection practices and attempting to circumvent the system and follow the law as they see fit instead of by what is required. I look forward to the full removal of this fraudulent account or further legal action will be taken against your company.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX continue to report an account named XXXX XXXX on my credit report even with proof that it is a result of identity theft. The company is located in the state of Georgia and I am located in the state of Michigan. During my investigation of this account it was determined the dates that this company alleges this account was opened I am seen on toll booth cameras in the state of Michigan. I have previously disputed this account and provided proof it should not be included in my file but the credit bureaus keep saying the account is verified as accurate. This is my final attempt to get this account removed. I have sued XXXX XXXX, Transunion, and the company in question. Since there is pending litigation this account should not be reported, I will give each credit bureau 7 days to turn over whatever proof that may have to verify this account is lawfully mine. If no such evidence is received I will pursue legal action and use each dispute I have filed over this last year to prove I have asked each credit bureau to comply with the law. If I am forced to file a lawsuit I will add in legal expenses. You are data furnishers that receive information second hand but you will be the one held liable.
Product: Debt collection

Comenity Bank personnel call me once or twice day regarding another individual. They do not contend that I owe them money. Rather, they claim I am a secondary contact number for another. 

I have asked them to stop calling my number on three separate occasions. Each time I do so they falsely state they have never been asked to cease calling. 

The person who called this morning, Sunday, XX/XX/XXXX at XXXX XXXXXXXXXXXX. identified himself as Mr. XXXX and left a callback number of : XXXX, ext. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report information is incorrect These accounts have been closed # XXXX # XXXX # XXXX The account should be removed from my consumer credit profile This account should be removed from the three credit bureaus - XXXX - XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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 DEPT OF ED XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian  and XXXX should not be reporting a collection/chargeoff in the amount of {$1500.00} on the XXXX XXXX XXXX XXXX XXXX XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I lived at the apartment complex for ( 1 ) year and I paid on-time every single month. I never missed a payment. They offered for me to stay if I agreed to a raise in my rent. I decided I wanted to move. I completed my original lease term, gave the appropriate notice to vacate and moved out. This collection is completely unsubstantiated. I did not owe any outstanding debt and therefore there is nothing to collect and/or chargeoff. I did not know that they sent this account to collections until I obtained a copy of my most recent credit report. This false reporting of a collection/chargeoff that I do not owe and that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the apartment complex as well as the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

I disputed a transaction of {$XXXX} made in XXXX to XXXX. I have submitted multiple appeals to Sofi Bank regarding the denial ( s ), providing additional information with each attempt to recover the lost funds. Despite these efforts, they have not offered further clarification, and their rationale for denying the claim remains inadequate. Below, I provide context and explanations to support my claim that this transaction was unauthorized.

1. At the time of the disputed transaction, I was in possession of my debit card. I suspect my PIN may have been compromised, potentially at an ATM I attempted to withdraw money from a cruise port in XXXX. 
XXXX. I received a text alert for a smaller, unauthorized charge of {$XXXX}, which I promptly flagged as unauthorized ( a photo of the text message from Sofi Bank is attached ). My card was then frozen as a result. For the {$XXXX} transactiona significantly larger amountno such notification was sent to me. This inconsistency in the banks fraud detection and notification process raises concerns, as it prevented me from identifying and disputing this unauthorized charge immediately. 
If the {$XXXX} withdrawal occurred after my card was frozen due to the {$XXXX} dispute, it should not have been approved, as frozen cards are intended to block all transactions. 
If the {$XXXX} withdrawal occurred before my card was frozen, I should have received a text alert similar to the one I received for the {$XXXX} transaction. The absence of such an alert for this much larger transaction raises questions about the effectiveness and consistency of the banks fraud prevention measures. 
XXXX. I was not in XXXX on XX/XX/XXXX when the transaction occurred. By that date, I was already at sea aboard a XXXX XXXX cruise, heading back to XXXX. The ship had departed XXXX on XX/XX/XXXX after visiting XXXX different ports on the XXXX and XXXX ( a copy of the itinerary is attached ). Given this timeline, it would have been impossible for me to approve or conduct a transaction in XXXX on XX/XX/XXXX. 

As aforementioned, their rationale for denying the claim remains inadequate. 
The information they provided me for denying the claim is listed below verbatim : XXXX XXXX : The disputed transaction ( XXXX ) are XXXX XXXX transactions and the member claims to be in possession of their debit card. XXXX. The member was asked if they were in possession of their debit card when the transaction took place. We received a XXXX response on XX/XX/year>. XXXX. The member was asked if they recently traveled out of the country. If so, where? We received a XXXX, XXXX response on XX/XX/year>. No denials for the wrong PIN indicating whoever was using the debit card knew the PIN. No denials for Non Sufficient Funds ( NSF ) indicating whoever was using the debit card had knowledge of how much was available in the checking account. A review of the login history shows no sign of unauthorized access or abnormal activity. 
Payment type : Credit for XXXX XXXX XXXX Thank you for your time, XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX these NAMES are undeliverable by the US Postal Service.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EQUIFAX, XXXX  AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting

My loan from XXXX for {$36000.00} is no longer my responsibility. My truck was stolen from me and the loan is going to be paid shortly
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX I reached out to Equifax to update my credit report and remove incorrect Information on my report, Equifax failed to respond and remove the following incorrect addresses ; 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 XXXXXXXX I also request for my DOB to be corrected from my report as Equifax shows XX/XX/XXXX the year XXXX is incorrect. 

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.
Product: Debt collection

Synchrony Bank XX/XX/XXXX, reported overcharges that were reportedly based on XXXX phone charges. Synchrony refused to acknowledge errors and continued to charge interest on {$120.00} balance. This continued for months. Finally I had to close the card in XX/XX/XXXX. They continue to bill me and text me.
Product: Debt collection

Debt Collector, Portfolio Recovery has manipulated accounts from my credit report that have been reported as Identity Theft accounts and re-reported them multiple times on my credit reports issued by  XXXX ,  XXXX , and  XXXX .   By slightly altering the original account information on file including account numbers and account names and dates certain accounts have been re-reported or duplicated to appear on my report as another account with a different negative status.   The original accounts are in fact closed, but by altering the date info the accounts also report as newly opened accounts that are past due.   The purpose of this decietful act is done deliberately to damage my credit reports.   As a result there are accounts reported that do not even exist that are essentially replacing the accounts that have been reported to the FTC as being Identity Theft.
Product: Debt collection

15 usc 1692 If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
Product: Debt collection

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Can you review the paperwork? Certain listed accounts seem to be incorrect, causing me discomfort.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my account. I never applied for it, I have any contracts or agreement with this company.