23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 


XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX : XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY Account : Account Number : Reason XXXX XXXX  XXXX fraudulent account XXXX XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported XXXX  % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Mortgage

Our loan was service released to Shellpoint Mortgage back in XX/XX/XXXX, our loan closed as an escrow loan for Flood Insurance ONLY. We have made all of our regular payments consisting of P & I and escrow monthly payment of {$32.00} to cover flood only. We are responsible for making payments of Homeowners Insurance and Taxes. We made our real estate tax payment on XX/XX/XXXX in the amount of {$4500.00}. We also made our Homeowners insurance payment. Shellpoint Mortgage also erroneously made payment of taxes that were not part of our escrow payment. Luckily the county of XXXX returned the funds to Shellpoint which were deposited back into our escrow account. We received a new escrow analysis dated XX/XX/XXXX with an effective payment change on XX/XX/XXXX. This analysis included escrow payment for taxes, homeowners insurance, flood insurance and PMI. The escrow analysis showed a monthly increase in payment of {$840.00}. I called Shellpoint Mortgage on XX/XX/XXXX to dispute the incorrect payment increase. After receiving incorrect information with the customer service representative XXXX XXXX, I was transferred to a Supervisor who assured me she was sending information to the Insurance department to get my payment corrected to reflect escrow for flood only. I received my monthly statement for the month of XXXX with still no corrections made. I called again to speak to a customer service representative on XX/XX/XXXX, she was very polite and asked me to go to the website and enter an inquiry as it would help speed the process up. I received an email on XX/XX/XXXX from Shellpoint letting us know they received our inquiry and they would respond as soon as they could. It is now XX/XX/XXXX, our payment has not be changed to reflect the correct escrow payment. The second escrow analysis sent to us on XX/XX/XXXX is still wrong as it is reflecting an escrow payment for PMI. Our loan does not require PMI nor has Shellpoint Mortgage ever made a payment to a PMI company. All I am asking is that my account is set up correctly in their servicing system to include the correct escrow requirement for Flood ONLY. We want our payment adjusted to reflect the correct amount. This should not bee difficult for them to do.
Product: Credit reporting

My credit dropped down XXXX-XXXX point in all XXXX Beauro report all of sudden. Nothing is changed and credit card balances are lower then ever. My credit score suppose to go up not down. I want to know why? Or something is wrong with the system.
Product: Debt collection

on several occasions. 
I have told people from this company to stop calling. 
I requested that it was my right according to the FDCPA. 
On XX/XX/2019 I told one credit collectors named XXXX XXXX. to stop calling. 
He told me that my word was good only for 10 days and that I should put in writing. 
My last conversation with XXXX XXXX was recorded and he was also notified of those actions. Even though he was polite but he keep insisting of why I was not going to pay this bill. I notified him of my action to come soon. He just ignore me and continue with his attempt to collect the debt. This was The last straw. I tried to put an end to this in a civilize way. I will proceed with legal actions against Mr. XXXX XXXX and his company Portfolio Recovery located in XXXX Va. Any other information obtain on this case will be used against them. 
Thank you Mr. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am reaching out to you in regards to accounting issues with XXXX XXXX XXXX. The monthly balance on the account that this debt collector is trying to collect is inflated. I have tried to address this issue repeatedly but to no avail. My account used to be with Neuheisel Law Offices. Upon transfer to XXXX XXXX XXXX an outstanding balance was in the amount of {$4600.00}. My monthly payments are in the amount of {$100.00}. Account transfer has occurred in the month of XX/XX/2018. Till present day I did not miss a single payment on the account ( have copies of all receipts with the postal service and money order slips ). However, XXXX XXXX XXXX is trying to overcharge me additional {$270.00}. According to my repayment agreement, I am not supposed to have any additional fess. Initial balance was in the amount of {$5500.00}, downpayment {$500.00} and monthly payments of {$100.00}.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at 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 I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Chase bank is charging me 17.10 % interest on this credit card.
Product: Credit card or prepaid card

In the summer of 2019, Discover Card put balance on my account of {$10000.00}. 
There is no origin or where it came from, I have contact them 30 times, spending sometimes 2 hours on the phone with a manager. Even though they tell me they will investigate and call back, no one does. I have written letters, requested they provide me written documentation on the origin of the balance that appeared on my account but crickets. No one has ever responded. The only thing I know is they call it a ghost balance. It doesnt appear on my statements. All my payments since then only are applied to the GHOST balance so my balance of {$11000.00} keeps growing because all my payments of {$400.00} are never applied to my real balance. I requested a ledger of the payments, I keep requesting an explanation, documentation and terms but I don't get any information. I keep asking for the origin of the money and how it landed on my account. I have paid {$400.00} to {$600.00} payments for 20 months and it is going towards a mysterious balance they won't tell me how it appeared on my account. If you call discover, all the people say they have heard about a ghost balance but there is no information they can resource or explain, it is a white elephant. 

I have a credit score of XXXX, my credit score is at the forefront of my mind. I pay my bills. 
I have never been involved in a lawsuit. No one has ever sued me. I don't have any pending litigation or nefarious dealings. I don't have credit debtors after me to collect money. There is nothing that this would stem from.
Product: Vehicle loan or lease

I had a vehicle loan with Flagship Credit Acceptance, the vehicle was totaled out on XX/XX/XXXX by XXXX XXXX XXXX. XXXX XXXX payed off the vehicle and GAP insurance that was through Flagship was never filed after I submitted the Gap paperwork, they are reporting this loan as a charge off. The company has been unreachable since the beginning of covid-19 lockdowns. This loan needs to be closed out with paid in full and all the negative remarks on my credit corrected. 
Vehicle : XXXX XXXX XXXX VIN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Cfpb / Credit Bureaus/XXXX, Equifax, and XXXX  ; I was going through my credit again this morning and I'm still shocked and amazed that you guys failed to fix and remove those wrong personal information on my credit like the wrong variations of my name, unknown address, wrong name, wrong addresses, unknown accounts, etc. I've sent at least 6-7th different request with supportive documents to show you that you continue to report wrong information but you failed to fix those issue. I'm not sure if you just simply neglecting my request or not getting them.

Those are not my information and it continues to report wrong. Please correct my name to show the attachment. Delete any unknown addresses, other than the one that i gave you, remove the wrong name and the variations of the name, remove any those unknown accounts list. PLEASE FIX!
Product: Bank account or service

I am a college XXXX. I opened an account at Chase online and deposited checks ( {$300.00} or less ) via mobile banking from kids in my XXXX, whose home accounts are in various cities. The account was suspended by the Fraud department and they are trying to verify with the maker of the check that they were intended to be made out to me. They will not utilize a cell number to make that call and in some cases, the accounts are in the parents ' names and they do not bank with Chase. Chase is surprised that these non-customers are not answering their calls or returning their calls. The checks have cleared their accounts already. WHy would these parents return a call that they may believe is a solicitation from Chase? In the meantime, I have bills to pay and the whole of the account - even my own personal funds, are frozen. I received a written notice today that his account will be closed. I never received notice that availability of the checks was being delayed. I have spent several hours ( and I am not exaggerating ) trying to resolve this. In the meantime, I am unable to get cash. All for a total of XXXX checks that equal less that {$2000.00}.
Product: Mortgage

I have provided every document asked for and Mr Cooper continues to use fraudulent household expenses to deny me. They say I don't make enough to afford everything but then show me expenses that I don't have and at not point provided to them either. They repeatedly put me in a position to contract the virus by requesting and rejected the same documents over and over again. I am an older man and high risk, my health and life should not be played with by these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again look at all the previous complaints about Experian I have submitted. They are constantly lying about where they got information and how items were verified. I have disputed 2 Bankruptcies Chapter XXXX # XXXX and Chapter XXXX XXXX with them about 5 times now. They are constantly stating the item is verified. First verified by the courts and I have submitted proof that is not true and then they states XXXX  XXXX. XXXX XXXX has removed the bankruptcies because they can not verify the information themselves. Experian is constantly violating the FCRA. Attached you will find a letter from XXXX XXXX stating they deleted the accounts because they can not verify any information. Experian is constantly changing their stories. If they do not have any documentation in your files to verify the accuracy of these disputed account, then they are suppose to delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report they damaging my credit. XXXX  and XXXX  have already removed these items. This has been going on since XXXX  and I have filed numerous complaints. the next step is the states attorney office as well as a law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I notified the three credit reporting agencies ( XXXX, XXXX, and XXXX ) of a number of issues in the reporting of this alleged account with Citibank, that is the only derogatory account on my credit, that run counter to the stated purpose of the FCRA, specifically with regards to the requirement that reported data must be accurate and complete. The alleged account is still appearing on my credit after my inquiry to the three agencies, without most of these issues and discrepancies being resolved and so I write this complaint to the CFPB, hoping for a resolution with this account. 

The Date of Last Payment is not consistent across the credit reporting agencies. XXXX has it listed as XX/XX/XXXX, whereas XXXX has the reporting of that date as being XX/XX/XXXX. XXXX and XXXX have that last payment listed as {$0.00}, which is an odd payment amount for a last payment, and for it being {$0.00}, when XXXX has this account listed as OK for XXXX AND for XXXX in XXXX. XXXX has the account being in a status XXXX XXXX in available credit. Ive never even heard of a negative number for available credit. And if the account is a CLOSED account, as this is supposed to be, then surely this must be {$0.00} in available credit, not XXXX XXXX 
XXXX has the terms listed as N/A, I assume Not Applicable, but on XXXX and XXXX they are listed as Paid Monthly. 
The account numbers have different listings among the three credit reporting agencies. XXXX and XXXX have the number as XXXX, while XXXX has it listed as XXXX XXXX further inconsistencies. Which number is supposed to be correct? 
There is data missing in the reporting of the account as well, whereas the FCRA allows for the completeness of the data, XXXX shows missing data for almost the whole year of XXXX and XX/XX/XXXX. XXXX has almost the same, with the majority of XXXX data missing. 

Also, if this account listed is even legitimate, Citibank violated the law, never sending me notice of the account being in a derogatory status as per XXXX5 USC 1681s-2a7Ai, the furnisher requirement to provide notice of listing the derogatory account within 30 days of placing that information in their credit file. They never did so. I never received any such notice. 
All three credit reporting agencies have the alleged account listed in the comments as Account closed at Customers Request. Since I am the listed customer that comment would indicate that I took action that I didnt. There is no letter, email or any communication from me making such a request to Citibank. This goes against the FCRAs requirement of factual reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent the Consumer Reporting Agencies a Certified letter ( tacking # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) asking each Consumer Reporting Agency to provide me with the documentation where I XXXX XXXX XXXX ( the Consumer ) gave the Consumer Reporting Agencies written Instructions to Furnish or publish an account on my Consumer Report. in According to the FCRA Permissible Purposes of Consumer Reports 15 USC 1681b ( 2 ). its now XX/XX/2022 and I still have not received that document from the CRA 's I also asked the Consumer Reporting Agencies to do a full investigation of the accounts that is reporting on my consumer report. the Consumer Reporting Agencies Stated ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX was properly investigated and all the Information was accurate, but how is that possible if the Open date is inaccurate, the date last active is inaccurate, the date of last payment is inaccurate, the Account type is inaccurate and the past due is inaccurate these are grounds for Deletion. According to the FCRA 15 USC 1681 everything has to be 100 % Accurate So once again the law clearly states a consumer reporting agency can not furnish any accounts on my consumer report without my written instructions. and I never gave no one written instruction to furnish anything.
Product: Mortgage

Hi, I have a mortgage with XXXX XXXXXXXX, and my loan is serviced by Dovenmuehle. 
For some reason, those people are not able to understand their letters, and since my forbearance came to an end ( XX/XX/2021 ), and I resumed making my payments starting XX/XX/2021, they have been " harrassing '' me with requests of payments that I have already made. 
now has been over 12 months that this goes on, we had exchange of phone calls, emails, and I do not know how to make them understand their letter, and how to read my bank summary of all the payments I have made. I have had XXXX sending them proof of " electronically '' sent funds, but they do not understand it. 
They even ruined my XXXX Score. 
I do not think they are taking my problem seriously, and I think so because when I talk to them via phone they make me believe that they understood the problem, to give them about 30 days, so my problem will get fixed, but then I get an email saying that my account is behind with payments. 
I do not know what else to do. 
Please help me! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Since the pandemic started, my well being became compromised. It was a relief that I was eligible to put my mortgage in forbearance when the pandemic first began. My mortgage servicer was reluctant to put me in forbearance but the XXXX XXXX XXXX  XXXX XXXX told me that this was a requirement. 
Now that I can no longer be in forbearance my mortgage payments are due monthly. But work has become difficult as I am XXXX years of age. 
In XXXX, 2022 I applied for mortgage assistance through the HAF program, XXXX XXXX XXXX  XXXX. I was conditionally approved for assistance by HAF last month. After being conditionally approved, HAF contacts the applicants mortgage servicer which in my case is JP Morgan Chase in order to arrange a mortgage modification. I called XXXX today since I still have not been approved for assistance. I asked XXXX if they tried contacting Chase and they said yes but that Chase has been unresponsive to XXXX. 
Even before I applied for mortgage assistance I asked Chase if they would do a mortgage modification and they said no. 
I have always paid my mortgage on time but now in view of the fact that my health has suffered due to the pandemic, mortgage assistance through a loan modification with my servicer would be most helpful in keeping me in my home.
Product: Debt collection

In XXXX XXXX, I received a copy of my credit report. In detailed it listed an account by XXXX XXXX XXXX XXXX XXXX I have never opened, signed, or agreed to this account. Unfortunately, my account was sold to a third party Cavalry Portfolio that has called excessively stating that they want to collect a debt for {$520.00}. I have sent in numerous letters to credit bureaus asking that this collection be removed unless validated. In return I am sent a copy of a billing statement, that does not have any information except my name and an old address at the bottom of the page. This document has no signature and/or account number showing proof that I opened this account. I am simply asking that XXXX XXXX and Cavalry Portfolio remove this debt from my credit report immediately ( all XXXX Credit Bureau 's ). I am asking that they no longer harass me about a debt that I am not aware of.
Product: Credit card

On XX/XX/year> at XXXX I received email from XXXX XXXX XXXX XXXX a receipt for XXXX annual Platinum passes totaling XXXX dollars per month charged to my Bank of America credit card XXXX I immediately locked card and contacted bank to report fraudulent charge. As this was happening I received another email from XXXX XXXX at XXXX am saying my order has been processed. This order showed 3 passes with names attached to them. I have no idea who any of these people are. After card was cancelled I called XXXX XXXX XXXX and was told to dispute charges with bank. After numerous calls to Bank of America my initial fraud dispute was declined and this charge was put back on my statement.
Product: Credit reporting

Accounts that are not mine appear on my report. I was asked to file a police report and contact creditors. I did. Other agencies except Equifax have fixed the error. I just filed a lawsuit after exhausting all avenues via the FCRA.
Product: Bank account or service

I applied for Citi Gold Checking Account with XXXX promotion on XXXX/XXXX/2016. The promotional offer is that AAdvantage XXXX bonus miles will be credited by Citibank within 90 calendar days from the date when I completed all offer requirements. I have received a confirmation letter from Citibank specifically addressed to me from Citibank that I have met all the requirements. In the letter sent on XXXX/XXXX/2016, Citibank stated that " Our records confirm your account met all criteria for promotion code XXXX. After your 90 day waiting period is complete or by XXXX/XXXX/16, the bonus miles will be applied at the end of the next statement billing cycle. '' However, I have not received AA XXXX bonus miles as of XXXX/XXXX/2016. During the waiting period, I have already paid a total of {$60.00} of monthly service fee to wait for the promised AA XXXX bonus miles. I wish Citibank honors her own promise written in the confirmation letter.