23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted CMRE @ XXXX XXXX during the first week of XXXX to verify the mailing address, account number and how soon will they remove the debt from my credit report. I was told if I paid by credit card that day it would be put into the system and reported to the 3 credit agencies that day. I was informed if I mailed the payment amount the same process would be followed. 

So I mailed Cashier Check # XXXX, dated XX/XX/XXXX to CMRE Financial Service to cover the medical debt. The company received the check on XX/XX/XXXX. When I called on XX/XX/XXXX because, XXXX XXXX and XXXX indicated CMRE had not reported the debt amount was received and paid in full, I was informed by the CMRE representative that the checked was posted to the account on XX/XX/XXXX. XXXX XXXX and XXXX takes 45days to update credit reports.However, XXXX XXXX representative indicated this is not true. 

This is not fair to me. I have an emergency and I am trying to pay my debt so this will not appear on my credit report. CMRE have not reported they received the funds and cleared my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violation why does XXXX need the same report 5 times remove all but one WF did the same 2 inquires same day XXXX XXXX never applied ftc  XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 XXXX XX/XX/2019 WF CRD SVC XX/XX/2019 WF CRD SVC XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I checked my XXXX credit report, I notices two accounts on my report that not mine .I disputed this threes times with XXXX and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Account below XXXX XXXX XXXX XXXX # XXXX, Open Date XX/XX/, {$13000.00}
Product: Debt collection

Per TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

The following company does not have a surety bond on file with the State of Texas and is actively pursuing collections via mail to my address. I notified them via certified mail that they are in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E and demanded the immediate removal of this tradeline from all three credit bureaus as they have violated the aforementioned laws. 
Company name : United Credit and Collections XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2020 I sent a letter regarding inaccurate and unknow things on my credit report. To this day ove 60 days later I have no received a response yet. I feel as if I am being overlooked and ignored of my disputes. Section 611 ( a ), it is painly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they must be deleted as soon as possible.t I demand these accounts be deleted immediately or I will file for litigation due to the stress poor time managemen. My information was impacted by the Equifax data breach and may have got into the hands of the wrong people!
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 U.S.C 1681. 
Account NameXXXX 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 XXXX XXXX XXXX 
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 an 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XXXX  I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Product: Checking or savings account

We received a " Remittance Advice '' check from the USPS in the amount of {$4.00}. The issuing bank is JPMorgan Chase Bank NA XXXX account number XXXX. The payment appears to be for Travel? My husband does not work for USPS or a private contractor, he does not travel for his current employer XXXX. This check will NOT be deposited since the purpose for the check payment is not true. The amount matches the cost for individual certified mail pieces paid for by my husband and I. Since JPMorgan is handling payments for USPS, we want to know which failed certified mail piece this check payment is issued for? Why is USPS using a travel expense account instead of a USPS mail service account? Here are some choices for JP Morgan research which are some of the recent letters we wrote to the following recipients using certified mail service : : NYS DMV Commissioner XXXX, US Treasury Department, Governor XXXX XXXX, NYS Comptroller XXXX, New York State Department of Taxation and Finance, New York State Department of Health. Your accounting system should be able to locate which one failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am disputing the four late payments reporting on my credit report from XXXX XXXX.i had never been late on those accounts and payment i demand that those late payments be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX**** Balance Owed : {$460.00} Chargeoff XXXX/XXXX XXXX**** Balance Owed : {$0.00} Chargeoff CONSUMER PORTFOLIO SVC XXXX**** Balance Owed : {$17000.00} Chargeoff XXXX  XXXX**** Balance Owed : {$18000.00} Chargeoff XXXX  XXXX XXXX XXXX**** Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX**** Balance Owed : {$700.00} Collection Chapter XXXX Bankruptcy Discharged XXXX Chapter XXXX Bankruptcy Dismissed XXXX These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

Re : Request to Remove Inaccurate or Outdated Addresses from Credit Report To Whom It May Concern : I am writing to formally request the removal of incorrect or outdated addresses listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure that all information reported is accurate, complete, and verifiable. Under 15 U.S.C. 1681c and 15 U.S.C. 1681i, consumers have the right to dispute information on their credit reports and to request that unverifiable or inaccurate information be corrected or removed.

Upon review of my credit report, I noted the following address ( es ) that are incorrect or outdated and should be removed : 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 These addresses are no longer relevant to my credit profile and may lead to confusion or inaccurate reporting. In accordance with 15 U.S.C. 1681i ( a ), I am disputing these addresses and requesting an investigation to verify their accuracy. If the addresses can not be verified as accurate and current, please proceed with their removal from my credit report. 

Please update my credit file accordingly and send me a corrected copy of my credit report showing that these addresses have been removed. I appreciate your compliance with federal law in maintaining accurate and complete records. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed funds from a credit union where I defaulted on the loan due to financial issues and the credit union charged the loan off and forwarded to a third party agency to collect. However, this third party entity placed a Judgment/wage garnishment against me for excessive fees/ charges which is not stated in the original signed loan agreement. This third party is charging additional fees for a balance that the charge off amount is {$8700.00}. These excessive fees/ charges were not agreed upon when signing the loan agreement with the credit union . Therefore, the credit union is in breach of the contract and my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

AARGON Collection has been contacted by myself, XXXX XXXX about account number XXXX which was paid off XX/XX/2020. I contacted AARGON Collection and asked for " Removal Letter '' the first gentleman I spoke with in their collections department simply told me in a very nice and professional way that he is unable to produce a " Removal Letter '', I then asked to speak to a manager by the name XXXX XXXX who told me in a not so nice way that this company is only responsible for reporting when the account is paid and that is what they did so there is nothing else legally they need to do and that was the end of our conversation. I then called back and spoke to a very nice lady by the name of I believe XXXX who told me that they can give me the letter that I am requesting and she does not know why I am having such a hard time. She sent me back to their collections department and I got another nice gentlemen who explained to me that before the pandemic they would have been able to give me this letter with no problem but now they do not have the ability to do so. That he was very sorry. I could dispute it with the credit burrows and they will not fight it. He seemed to try to pull something up on his end but was unable to do so. He said the company was sued by a lady and now they have stopped producing this letter.
Product: Checking or savings account

I have a checking account with arvest bank and they allow unauthorized charges totaling over {$5000.00} within a two week. Period. I was never notified of suspicious activity. They are now not willing to reimburse for all of the unauthorized charges.
Product: Mortgage

I have reached out to my mortgage company about a loan modification that they say that I received but the information is not accurate that they have sent to you the paper work has many different dates on it and there are suppose to be 52 pages and there are not they put in pages of different things and none of them make sense. Rushmore Mortgage has sent me numerous letters saying that they have to do more research on finding the information that I asked them for proving that I did a modification and I have yet to receive proof of this. We have had five different mortgage companies and we never did a modification. We were trying to do a modification but were never approved in fact we were asked to send over money in order to get a modification done. We do not know why if anyone got a modification why would you have to pay to get it done? If someone would look at the paperwork that Rushmore sent over it does not reflect much of anything other then them trying to charge me for something that I did not sign for. Too many different dates and too many different papers that do not add of to what's going on with the mortgage. The dates do not match. I am not satisfied with the results of my complaint and therefore I am asking for assistance concerning this matter. Thank you.
Product: Credit card

On XX/XX/2024, my credit card was charged by XXXX XXXX in the amount of {$980.00}. Subsequently, I noticed a billing error in the amount of {$240.00} and have made several attempts to contact the merchant and resolve this billing error. Unfortunately the merchant never responded to my multiple communications. 

On XX/XX/2024, I initiated a credit card billing dispute with Barclays. The dispute case ID is XXXX. 

On XX/XX/2024, Barclays sent me a copy of merchant response to my billing dispute. The merchant response itemized billing items, including the item that was billed in error. I provided additional supporting documentation to Barclays to explain the billing error. 

On XX/XX/2024 and XX/XX/2024, I received additional communications from Barclays notifying the case is closed without resolving the billing error. No further documentary evidence was provided by Barclays to explain its decision. 

In accordance to the section 1666 ( a ) ( B ) ( ii ) of the Fair Credit Billing Act, the creditor shall send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligor 's indebtedness. In the case of a billing error where the obligor alleges that the creditor 's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.

By closing this billing dispute without providing documentary evidence to support its decision, Barclays has violated the Fair Credit Billing Act.
Product: Mortgage

NVR INC, - XXXX. The sales and marketing folks located within the XXXX who are in some cases liscensed Real Estate Agents are not liscences mortgage loan brokers or originators. The Sales Rep quoted my wife and I mortgage interest rates, closing costs, financed MI, FHA premiums and monthly MI. They even estimated our interest rate without knowing our credit. In this case we ended up buying in a community that had a tax pilot. The Tax pilot was completely misrepresented in our Mortgage payment provided by our sales rep. They required us to use their lender by threatening contractually to raise our purchase price and to take away closing assistance provided to us by utilizing their NVRM company. We never wanted to use this mortgage company but they make it impossible to use another lender when they will make you pay almost XXXX more for not using them. There is no negotiation when it comes to this. Lastly, we are required to meet with their mortgage company, but that does n't happen timely and our attorney review period is over. The estimates being provided by the sales team do not even come close to what was shown to us by our lender. We were grossly misrepresented from the taxes, interest rates, FHA premiums etc. A complete bait and switch. The sales rep was using mortgage payment to encourage us to buy. On our estimate they even wrote, this is what your payment will " feel '' like after energy savings and tax benefits. I 've come to also learn that they are not accountants and the projected savings are just a tactic used to get you to buy. Watch out. this is scary stuff. We visited several other builders. None of them offered these financing options while buying ... very weird and sketchy
Product: Checking or savings account

Account Numbe XXXX XXXX XXXX on XX/XX/XXXX I wrote a letter to capital one regarding a charge I disputed. Never heard nothing back then wasnt to sure what to do but was told I had to XX/XX/XXXX to pay the amount that was overdrawn and prevent it from being closed. When I tried to use my Online account to transfer fund I logged in online to see that the account was already closed on the day of the XX/XX/XXXX. 
By then I was more concerned with being reported to the credit bureaus and XXXX XXXX XXXX. So when I called the week before I said I would make a payment on XX/XX/XXXX but when I went to the branch they where having issues or the power was out something to that effect. 

As the collections department they where already closed I knew before when I called I had until XX/XX/XXXX from my speaking to the agent in the collections department to bring the account positive and when I tried to that day it was already closed when I tried using the ATM card at XXXX to load funds on the account using a XXXX XXXX XXXX for XXXX so I called back and asked what I had to do. Said pay the overdrawn balance which I did by phone on XX/XX/XXXX. But the representative told me that you need to call a few days before the account closure date to prevent from it closing. I was not told that the first time I called. I was told the first time I had until the end of the business day on XX/XX/XXXX to prevent from the account closing and being charged off. 

So on XX/XX/XXXX I made a payment via check by phone to clear up the balance and then reopen a new checking account. I was told after you pay this you would be get a for a new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again I am forced to file a compliant against Mr. Cooper. ( I have attached documentation of the previous complaint # XXXX and for the record ; this compliant is based on the same loan as the one reported in XXXX ). In XXXX of XXXX, we submitted for a loan from XXXX for our retirement home. We were denied because we have XXXX late mortgage payments reported by Nationstar Mortgage LLC ; dba Mr Cooper. Another mortified moment cause by Mr.Cooper. We immediately contacted XXXX XXXX an Escalation Agent at Mr. Cooper. Mr. XXXX assured us everything would be cleared within 30 days. We had no reason to doubt Mr. XXXX. In XXXX we received a XXXX Mortgage Interest statement from Mr. Cooper. Did they take unaccounted funds from the XXXX mortgage payoff? May I have an accounting distribution statement? I then checked our credit and discovered we still had the 2 delinquent payments. This time instead of trying to get Mr. Cooper to act with integrity and professionalism, I obtained a mortgage attorney. The letter from my attorney is attached. Mr. Cooper sent a reply on XX/XX/XXXX. As you can see ; Mr. Cooper said they would respond by XX/XX/XXXX. As of today ; XX/XX/XXXX we do not have any communication from Mr. Cooper addressing this extremely stressful situation AND we still have 2 mortgage delinquents reported on our credit report. I've looked into Nationstar L.L.C. ; dba : Mr. Cooper. I have discovered they have a real " nightmare '' customer service image. Mortgage and credit reports are a SERIOUS MATTER! The negligence and disregard displayed by many of Mr. Cooper 's " staff '' is not acceptable, maybe they need mandatory customer service training. I have a briefcase filled with documents pertaining to this loan ; which was closed ( theoretically ), in XXXX. We are less than 60 days from having to deal with this nightmare for 3 YEARS. We are only asking for this to end with Mr. Cooper doing what is legal and right! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached letter from XXXX. Note where they claim I provided " verbal '' authorization in connection with a mortgage transaction. This is a false statement by XXXX XXXX XXXX XXXX XXXX. Furthermore, no voice recording or other concrete evidence has been provided to prove this statement as fact. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau - XXXX, Equifax, and XXXX. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX XXXX on behalf of XXXX XXXX Illegally inquired on XX/XX/2021
Product: Debt collection

Open date on report XXXX by SEQUIUM ASSET SOLUTIONS INC for XXXX XXXX in the amount {$1500.00}. I have never open an account with XXXX XXXX or any company related to this same company.
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 XXXXXXXX XXXX XXXX XXXXXXXX opened XXXX XXXX, XXXX amount {$1100.00} as of XX/XX/XXXX has violated my rights 15 usc. 1681 section 602 A states i have the right to privacy. 15 usc. 1681 Section 604 A section2 : It also states a consumer reporting agency can not furnish a account without written instructions, 15 usc 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 records of convictions of crimes which antedates the report by more than seven years. 15 usc. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasoning cause to believe that the information is inaccurate.