23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX violated 15 U.S.C 1681 of the FCRA reporting false information to Experian, XXXX and XXXX XXXX. These credit agencies have violated 15 USC 1681 ( n ) Civil Liability for willful noncompliance by continuously reporting this false information after several disputes. XXXX XXXX XXXX XXXX accepted {$2400.00} as a paid Charge Off Settlement, the account was closed in XX/XX/year> with {$0.00} balance. In XX/XX/year> they reported a different account number with a new balance I did not open and a payment I did not make. I believe this is an attempt to collect additional moneys not owe and prolong the timeline or reporting original account to ALL Credit Reporting Agencies damaging my credit rating.
Product: Credit card or prepaid card

This company has reported information that was not correct they have misused my credit report on all credit bureaus they have ruined my credit, per the law you have to send a validation of debt, also a fraudulent affidavit and I have yet to receive that information and this company has violated all laws and regulations, In accordance with the fair credit Reporting act OPORTUN/ XXXXK # XXXX, 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 a 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 purpose. This company had broken all the laws they have reported information on my credit bureaus 2 times this month and its totally unacceptable and my Attorney has told me all my rights have been broken I have been deceived by this company has called my phone numerous a times Also this company is reporting on my Credit Bureaus that this is Auto Financing how is that possible one minute they say its a credit card now they are saying its a Auto this cant be right, they are reporting fraudulent information
Product: Debt collection

Have written via experian and direct conversation that i do not owe anything for any of these services they refuse to remove it from my credit and have not provided me with an original contract or wet signature of why this debt is owed CALIFORNIA BUSINESS Contact XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX
Product: Mortgage

I have an FHA loan with mortgage insurance. I was told when I contacted US Bank that this premium would automatically be cancelled when my loan had an 80 % debt-to-value ratio. I paid extra principal each month to reach the 80 % faster than scheduled. 

The premium was not automatically removed and, when contacted, the company is now stating that it is a 78 % debt-to-value ratio that must be reached. 

The more concerning problem is that I must submit paperwork to have the premium removed once I hit the debt-to-value ratio. This is not insurance that I purchased on my own ; I was not able to shop around for the best price. Nor am I the benefactor from this insurance policy. 

This extra hurdle to remove the insurance premium from a consumer 's monthly payment is an abuse of power in the customer relationship at best, and fraudulent at worst. US Bank should not be allowed to continue this practice, and if this is industry standard practice, the industry should not be allowed to continue either. Consumer 's need protection from practices like this.
Product: Student loan

I was a part of a rehabilitation program after my loan went into default. Following the rehabilitation program my loan was turned over unbeknownst to Navient. Letters and phone calls from Navient were coming in and I had no idea who they were. Finally I opened the unknown mail and saw that Navient became my loan servicer. I called, we had a pleasant conversation about moving forward and I was hopeful. We decided that I would be on a temporary forbearance until school starts and then my loans would be on hold while I am in school. 

A few days later I am at work and my phone once again is ringing relentlessly and the calls are coming from Navient. My thought was well what in the world, we just spoke a few days ago nothing could have changed between then and now. I decided to wait it out before returning the call to make sure their departments were all on the same page. I call and the customer service agent speaks to me as if we they have never spoken to me. As if we did n't come up with a plan two weeks prior. Moreover I am getting e-mails with bills above and beyond what my payments would have been if I were not in school. Payments above what even Navient said I would pay per month once I am out of school and on the same income as I am now. 

Is there a way to change my servicer?
Product: Credit reporting

I have disputed information on my credit reports several times in XXXX XXXX i received a letter from transunion of the results of XXXX disputes.There were some accurate corrections but as usual some additional punitive things were done that impact my score.The cras all say on their websites that all negative marks remain for 7 years from being reported as well as bankruptcy reporting.They also say closed positive accounts will remain for 10 years. When i received my updated report on XXXX they had deleted XXXX closed positive accounts which lowered my score by XXXX points compared to XXXX and XXXX. The FCRA says i am entitled to an accurate report, how can a report be accurate if they are allowed to delete undisputed accounts.I received a letter from XXXX positive closed account informing me due to my dispute they would cease to report on the account.I never disputed this account and it was not filed in my bankruptcy.Again i am only asking for an accurate report.I am filing my complaint with you at this time because none of the cras have a category to dispute a deleted account.Somehow we have to dispute multiple times to get negative information reported correctly, but they can delete positive information at will.
Product: Debt collection

On XX/XX/2021 I, personally, sent a letter to them requesting they verify this debt. I JUST received a letter YESTERDAY (XX/XX/2021) DATED XX/XX/2021 REFUSING to verify my debt with insult and states the following : " We recently received a direct dispute from you regarding certain information in your credit report. After reviewing this dispute, we have reason to believe that it was submitted by, prepared on your behalf by, or submitted on a form supplied to you by a credit repair organization. Therefore, as permitted by XXXX, we have determined your dispute to be frivolous and irrelevant and will not investigate it. '' SERIOUSLY???? Not only did they NOT answer me within the proper timeframe but they REFUSE to validate my debt but yet and still they have the right to leave negative remarks on my credit report???? How can they get away with this??????????
Product: Debt collection

I am writing to file a formal complaint against Thomas and Thomas LLC for knowingly reporting inaccurate and potentially deceptive information related to an alleged debt under my name. This complaint is based on violations of my consumer rights, and I am requesting urgent attention to this matter.

Thomas and Thomas LLC has reported information on an account for which I have no prior knowledge or relationship. I have never maintained an account or signed any contract with this company, nor have I resided in the state they have listed in their records. I have formally requested that Thomas and Thomas LLC provide a comprehensive description of the verification process they used to authenticate this alleged account. 
To date, I have not received any valid authorization or evidence substantiating the debt. The reporting of this alleged debt without adhering to proper disclosure requirements contravenes my rights under federal law. Specifically, the companys failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) is a direct violation of U.S. consumer protection regulations. Thomas and Thomas LLC is not authorized to collect debts in my state, raising further concerns about their legitimacy and adherence to federal and state laws
Product: Mortgage

FRADULANT CLAIMS OF SECURITES FRAUD, DUEL TRACKING, ROBO-SIGNING, CONSPIRACY TO COMMIT A VIOLATION OF VIOLATION, CALIFORNIA FALSE CLAIMS ACT. 
FROM XXXX OUR PROPERTY XXXX XXXX XXXX XXXX XXXX CA. XXXX WAS SUBJECT TO CRIMINAL INTENT TO DEFRAUD REGULATIONS AND SECURITIES OF OUR CONTRACTED PROPERTY XXXX # XXXX RECORDING FARDULANT DOCUMENTS AND CLAIMS IN THE XXXX XXXX RECORDERS OFFICE AND THE SECURITES EXCHANGE OFFICE WITH FALSE NOTICES OF DEFAULTS FOR INSURANCE CLAIMS.FALSE CLAIMS OF TRUSTEES DEED UPON SALE WITH XXXX DIFFERANT TRUSSEE 'S CLAIMING THE SAME PROPERTY AT THE SAME TIME OF FRAUDULANT SALE. 
OUR PROPERTY WAS PURCHASE IN XXXX AND A FULL RECONVANCE FROM OCWEN AND XXXX WAS RECIEVED IN XXXX ONLY TO HAVE A PROPERTY SOLD FROM UNDERNEATH US BY OCWEN, WHO CLAIMS TO BE OUR SERVICER FOR OUR MORTGAGE WHICH OCWEN ENTERED INTO A PURCHASE AGREEMNET IN XXXX FOR BOTH THE XXXX AND XXXX LIEN ON PROPERTY IN WHICH WE ENTERED INNTO A  MODIFICATION AGREEMNET WITH XXXX XXXX AND XXXX BANK, WHICH OCWEN TOOK OVER IN XXXX ONLY TO HAVE OUR HOME OF 23 YEARS STOLEN FROM US. 
DOCUMEENTS OF INTEREST # '' XXXX XXXX XXXX XXXX XXXX FALSE TRUSTEE DEED # XXXX XXXX FRADULANT ASSIGNMENTS # XXXX, XXXX XXXX XXXX WE ARE DEMAANDING A FULL INVESTIGATION ON OUR SECURITIES FRAUD CLAIMS, WITH CRIMINAL INTENT FROM OCWEN XXXX XXXX AND XXXX, AND THE XXXX XXXX AFFILATES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX AND ATTORNEYS WHO FALSIFIED CHANGE OF TITLE AND CALIFORNIA FALSE CLAIMS ACT.AND DAMGES FOR VICTIMIZING OUR FAMILY AND PROPERTY.
Product: Mortgage

Penny Macs Loan # XXXX ____________________________ Final closing disclosures,, sent by Penny Macs XXXX XXXX on XXXX XX/XX/XXXX had erroneous escrow requirement for property insurance. 

XXXX XXXX  actual premium is {$1000.00} ( {$87.00} per month XXXX. 

XXXX calculated this premium at {$270.00} per month ( {$1900.00} deposit for 7 months ), and listed the monthly mortgage payment at {$2500.00} per month. 

PennyMacs original loan estimate listed monthly payment, including escrow, at {$2400.00} per month., at 2.5 % interest, with XXXX points. 

My current mortgage payment with XXXX XXXX is {$2500.00} at 3.5 % with zero points. 

Obviously, XXXX Final Loan Disclosures, sent to me for eSigning, were unacceptable. 

I contacted XXXX. She blamed the error on some other department. 

PennyMacs XXXX XXXX called to say he had been assigned to take over the loan closing and make it work ( sic ). 

Subsequently, he emailed me on XXXX XX/XX/XXXX, saying : We plan to have new closing disclosure for you tomorrow. 

The loan was due to be funded on XXXX XX/XX/XXXX. 

New loan disclosures were never sent to me. 

I called XXXX again. He checked his record and said that the new disclosures had NOT been sent, and if I did not like what XXXX had sent me on XXXX XX/XX/XXXX, he can cancel the loan. 

Had the corrected Final Loan Disclosures been sent to me, I would not have cancelled the loan. 

XXXX has since corrected her error, but PennyMacs XXXX XXXX says he can not make any adjustment now.
Product: Credit reporting, credit repair services, or other personal consumer reports

So why use my identity? I am a fraud victim. I contacted the company they refuse to take it off my credit report I did not get information for no one to use my information I have contacted the credit report I have sent proof police reports. FTC report and they refuse to take that off my credit report and its messing up my credit. I pay all my bills on time but I will not pay for something. I did not do XXXX XXXX data breach at the time of the transaction was made, and I was one of the people, that was in the data breach I need help to get this off my credit report
Product: Credit reporting or other personal consumer reports

I saw my credit report and noticed that there are some inaccurate accounts showing up. I don't have any idea why they're showing up inaccurately but I want them removed.
Product: Debt collection

Southwest Credit located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX sent me a letter attempting to collect {$520.00} for a XXXX account that was paid in full long time ago. I sent them a letter disputing the validity of the debt and I attached a copy of a XXXX printout showing that I do not owe them anything. This is a scam that could impact people who do not save receipts or keep track of their bills.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> To : Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request to Remove Fraudulent Accounts Due to Identity Theft Dear Equifax, XXXX am writing to formally dispute and request the removal of fraudulent accounts from my credit report. I am a victim of identity theft, and my personal information was compromised in the Equifax data breach. The following accounts were fraudulently opened in my name without my consent : XXXX. XXXX XXXX XXXX Bank XXXX - XXXX XXXX- {$XXXX} XXXX. XXXX XXXX BANK XXXX  - XXXX  XXXX - {$XXXX} XXXX. XXXX XXXX XXXX - XXXX XXXX- {$XXXX} XXXX. XXXX XXXX - XXXX XXXX - {$XXXX} I respectfully request that you block and remove these accounts from my credit report as required by the Fair Credit Reporting Act ( FCRA ). To support my claim, I am enclosing the following documentation : 1. A copy of the police report or FTC Identity Theft Report.

2. A copy of my government-issued photo ID.

3. A copy of proof of residence ( e.g., utility bill or bank statement ).

4. A copy of my credit report highlighting the fraudulent accounts.

Under the FCRA, I understand that you are required to investigate and remove fraudulent information from my credit report within 30 days. Additionally, I request that a fraud alert be placed on my file to prevent further fraudulent activity.

Please confirm in writing once the disputed accounts have been removed and my credit report has been updated. If you need further information to process this request, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ].

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of police report or FTC Identity Theft Report Copy of government-issued ID Proof of residence Copy of credit report with highlighted fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy and it was discharged XX/XX/2020. My loan with XXXX XXXX was included in my bankruptcy. After my BK was discharged, I disputed the info and the notation was updated to XXXX balance. Since then, XXXX XXXX has continued to update my balance on the account as outstanding & not included in bankruptcy. The latest update on XX/XX/2020 on my XXXX credit report listed the account as having a balance of {$10000.00} and the remarks state charged off/affected by natural disaster/fixed rate amount in high credit is original charge off amount.
Product: Credit card or prepaid card

All 5 of my Synchrony credit accounts were closed on the same day, XX/XX/2022. 3 were store only cards and two were general use though Sams and TJMaxx. Ive had my Sams XXXX for 4 years. Always paid on time, and until only recently carried a balance for a few months. I paid it in full on XXXX XXXX. I had accidentally scheduled two $ 19,000+ payments, one on XX/XX/XXXX, and one on XXXX XXXX. 2022. I called Synchrony to try to cancel the second payment but they said it was too late and advised me to contact XXXX XXXX to stop payment on the second scheduled payment, which I did. They cited potential failure to pay as the reason to close ALL of my accounts, 4 of which had a zero balance at date of closure. I have a balance of {$40.00} on my TJMaxx card which is scheduled to be paid automatically prior to the XX/XX/XXXX due date. 
I contacted Synchrony and they said all I could do is reapply, but that will hurt my credit rating. My credit was well over 800 when I got divorced two years ago and took a dip when I got divorced and paid off my mortgage. Synchrony had just given me my Belk card in XXXX, even though I had a balance on my Sams card. I believe their system saw the stopped payment on the XX/XX/XXXX and read that as failure to pay EVEN THOUGH the day before the balance had been successfully paid in full. I can not have more hard inquiries on my credit to replace these cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an update to an unresolved issue!!! I just received my reinvestigation back from XXXX XXXX They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. Account # PORTFOLIO XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). I have attached a their response to my dispute which does not validate that this is my account or debt. They are also in direct violation of 15 USC 1692g ( b ) whereas they did not provide me with validation of debt. Only an online " contract '' in which anyone could have opened in my name. This does not indicate physical proof of debt. This company is also violated 15 USC 1681b ( 2 ) because I did not provide them in writing to furnish this info onto my credit report. Nothing of what they sent is accurate. The addresses on file are also inaccurate which is still a violation of 15 USC 1681 ( a ) ( 4 ) because they did not exercise their responsibilities with fairness. They are also in violation of 15 USC 1681 ( b ) because their investigation was not completed with accuracy nor relevancy nor proper utilization of such information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the XXXX account has violated my rights. 


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

15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. 


Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XX/XX/2022 I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking # XXXX According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information Experian stated This account in question was not on my consumer profile. when replying to a consumer complaint filed with the CFPB ( # XXXX ) were not on my consumer report but how is that possible if they did not do a proper investigation as this account is on my public consumer profile and is reporting insufficient derogatory remarks. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate Also this account is reporting without have been verified by the Experian bureau of my personal signature or identification 15 USC section 604 a section 2 : it also states a consumer reporting agency can not furnish my account without written instruction Experian broke the law as to not conducting a thorough investigation and has 15 days to either provide update of my concerns for this information or remove this COLLECTION derogatory change it to positive payment checkmark for the month of XX/XX/2022 for the account was paid to current balance as of XX/XX/2022 and also payment to the account were supposed to be recorded on the months of XXXX, XXXX and XXXX has not been recorded proof of payment is attached for these months Account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus ( XXXX, Experian, and XXXX  ) have not responded to my letters since XX/XX/2020. 
XX/XX/2020 a debt verification letter was sent out to the bureaus and I received no response well over 40 days. 
I tried to be understanding due to the pandemic so XX/XX/2020 I wrote another letter to them stating due to them never responding to my letters by law they have to delete the accounts in question and its now XX/XX/2020 and I still haven't received any response from any of the 3 major credit bureaus ( XXXX, XXXX, Experian ). 
I'm usually a very understanding person but this is just Ludacris. My credit is very important to me and right now the negative items in question are hindering me and my family from being able to move forward in life and I feel like the Credit bureaus aren't taking my request serious. This has to be against the law. I have went 115 days with no response from all 3 credit bureaus
Product: Bank account or service

Please refer to Case number : XXXX submitted in XXXX this year. For two months my entire money {$15000.00} plus interest is held with Discover and I am not seeing any hope to get it recovered from them. Please help me with this case. I will be out of country during XXXX XXXX to XXXX XXXX, 2016. I would like my money to be deposited back into my ally bank account ( originally from where i got it into this Discover Savings bank account ). I had email exchange with Discover but that email trail also nothing happened. I ca n't access my money for around 2 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA XXXX XXXX Equifax They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

I have asked for validation as well as the fraudulent personal information be removed from my credit and yet it has remained and in attempt to update their information they have done so inaccurately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX my XXXX XXXX credit card was reported paid in full and taken off by XX/XX/XXXX on XXXX and XXXX how ever on Equifax the account of XXXX is being reported as late and charge -off it can not be both its either paid in full or its a charge off i believe its paid in full and should be deleted this is the second complaint i have with equifax and are becoming quite tired if their illegal ways..they are not above the law ... the other reporting companies are telling the truth ..so why cant XXXX.. please correct this problem asap thank you for your time.. i have personally disputed this problem many times over but they change one little thing and say its been resolved thats not fixing the problem and i wont go away