23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed a complaint number XXXX, and US Bank rsponded but,. I had three lending specialist who reviewed the correspondence ( Two loan officers and one processor ) seem to take issue with your response in the following areas You claim that your impound department relied upon the county tax record to review my taxes for accurate amounts and balance. I find this interesting as your loan department clearly knew that this was a refinance loan and the purchase price was also a matter of public record. I also find it interesting that your impound department didnt question a XXXX   loan on a property valued at XXXX. I understand that the supplemental tax bills are not sent to the lender, only to the borrower, however one of the loan officers I checked with told me that after 30 days, the supplemental taxes are computed and placed on the tax bill. He supplied me with such a notice which I am attaching for your review. Surely your impound department would have seen the increase and been able to accurately accounted for the correct tax amounts. I agree with you that they origin of mis-information was with the originator, who I now understand was not US Bank, but I hope you understand what an imposition this has been on me to know that I was misled into believing that these matters were taken care of, only to be hit with such a large discrepancy.

While I do not claim to be ab expert on Impound account reconciliation, it strikes me as odd that : Your impound department did not catch the discrepancy between the property tax amount and the amount they confirmed with the countys tax department.

Your impound department didnt calculate the {$490.00} tax amount based on the purchase price of the home or for that matter question the decrease in the tax amount on the loan application or XXXX from the loan officer who originated the refinance.

These discrepancies have caused me a great hardship and may force me to sell the house altogether. I would have thought this is something your bank would have wanted to be on top of. I certainly would have made different choices had I been informed at the time of the refinance what my payment really would be. Believing that it would be {$400.00} dollars less, I made choices which have led me to this point.

As for the relief, I find it difficult to take on all of the blame for the miscalculations of the impound department and the deception of the loan officer from the other company. I am not an accountant and as such am not expected to know when a discrepancy of this magnitude is made. Your employees I assume, have some accounting background. Im told that loans must meet certain guidelines to be originated and purchased. Im curious, with the income I have and the payment of this new loan, did I meet those guidelines?

Please reconsider XXXX XXXX
Product: Mortgage

A class action suit was settled on behalf of many mortgages with LoanCare/XXXX. I was apart of the suit and was informed by the attorney representing, XXXX XXXX, the following : " A settlement was approved that provides complete relief plus interest to all FHA backed mortgages where Loancare assessed a late charge based on Principal, Interest, Taxes, and Insurance ( PITI ) instead of just Principal and Interest ( PI ). LoanCare will be correcting every account and automatically crediting any amounts paid. All class members whose mortgages are no longer serviced by Loancare will receive a check in the same amount as the amount Loancare would have credited their account if they had still been the servicer. '' I have reached out to loancare to understand in what manner I will receive this and they have yet to respond. I am entitled to the proceeds of this and would like documentation, as I requested, that shows the dollar amount to my mortgage and how much I am entitled to as a result.
Product: Credit reporting or other personal consumer reports

I spoke to a customer service agent on the phone before paying my balance off this credit card. The balance was settled and it's still showing on my credit report as a closed account. Customer service agent on the phone told me that it would not be reported as a closed account and affect my credit report or score. Well it clearly was reported as a closed account and is affecting my credit report! I should not be punished for paying the balance on this card and having it show as a closed account!
Product: Student loan

I have 8 federal loans from attending the University of XXXX. On XX/XX/23 6 of those 8 federal loans were put into administrative forbearance by Mohela due to a pending IDR request. 2 of my loans, however, were not placed into administrative forbearance ( DL Student PLUS, XXXX XXXX and XXXX XXXX ). I have called Mohela every week since then and have received conflicting information, in addition to a delinquency notification on my account, which is the nature of my complaint. 

Around XX/XX/23, XXXX at Mohela informed me that he placed a request for the remaining two loans to be placed in forbearance. When I called to check in on the matter last week, I was told that those loans will not be placed into forbearance because they're DL Student Plus Loans. Then, on today 's date, I contacted Mohela again, and this time they said that there is still a request to have them placed into forbearance. 

I contacted Mohela multiple times well before my due date of XX/XX/23 because I can not pay, hence the nature of my IDR request. The due date came and went without word from Mohela, however, and now my account is being considered " past due '' and " delinquent ''. 

I have never missed a payment, I am a XXXX employee with over 45 PSLF qualifying payments, and I have a credit score of well above XXXX. My finances are very important to me, as is my PSLF. I am writing to advocate for an immediate response regarding Loans XXXX and XXXX.
Product: Credit card

Dispute XXXX  Please provide me the evidence that I received the bracelet. 
As far as I know, both the courier receipt and the police report show that I did not receive the bracelet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi thank you for allowing me to voice issues I am having with my credit report. Looking over my report there are negative accounts with no company name listed and other accounts with a name not known to me or anyone I know. The credit reporting agencies are listing random information on my credit file and care nothing about the accuracy. I know its a money game for them and they make money for reporting anything even if it is against the law. I called XXXX, XXXX, Equifax, and all companies associated with the number to get clarity on it all but they had no properly consent from me or proof I am responsible. I want all listed negative and false information and accounts removed from my file. I can request such thing per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted disputes to all 3 credit bureaus pertaining to XXXX XXXX  Per their last " investigation '' they came back as verified and updated that this account as no change. Per my credit reports, it shows that this was updated as recently as XXXX of XXXX. This is totally inaccurate. I had XXXX late payments in XXXX. They are also showing this on a closed account. With this reporting as recent as XX/XX/XXXX it now appears as a recent delinquency which has caused me undue financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
- Persolve/Preserver Legal # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX *Please remove all non-account holding inquiries over 30 days old. 
*Please add a Promotional Suppression to my credit file.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally dispute and bring to your attention several concerns regarding TransUnion 's handling of my credit information, which I believe violates the provisions of 15 U.S. Code 1681s2 ( a ) the duty of furnishers of information to provide accurate information under the Fair Credit Reporting Act ( FCRA ). 
Personal Tracking Information : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) US Postal Service Incorrect Name : XXXX XXXX XXXX Unauthorized Credit Inquiries : 1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Following Accounts : XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have repeatedly requested proof of the verification process for the updated information, especially concerning the unauthorized credit inquiries, and account accuracy, but TransUnion has failed to provide any documentation. This raises concerns about their compliance with the FCRA and their duty to furnish accurate information. 
In light of the above, I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into TransUnion 's practices regarding the verification of information and to ensure compliance with 15 U.S. Code 1681s2 ( a ). Additionally, I request the immediate deletion of the unverified and inaccurate information from my credit report. 
I appreciate your attention to this matter and look forward to a prompt resolution. Please find attached copies of relevant documents supporting my dispute. 
Sincerely, XXXX XXXX
Product: Debt collection

Got a payday loan approximately 2 years ago. Could not pay, due to job loss. Have been harassing ever since. Constant phone calls, calling my co workers and job, telling them they were from the procecuters office, saying they were going to come to my work, saying my boss better be with me, all kinds of nonsense. Calling people I never even gave a phone number for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have phone records of me speaking with these credit bureaus and regards to my information being submitted being stolen being mishandled being sold off without my consent they're allowing these consumers and you reporting agencies to just give information and they're not doing their due diligence at all on XXXX there is a report submitted with documentation but now just the same reported agency is closing an account State and that they don't have information what type of XXXX is that if you go back to XXXX it's just an add-on to the extra XXXX  that I'm finding out that you're doing XXXX XXXX the same thing I give the last numbers of my Social Security and they tell me I live in XXXX  I live in XXXX XXXX XXXX I've never lived in XXXX  but however they got that on my credit report this is insane so what's going to happen now as I'm going to put y'all on notice I'm going to follow lawsuit first of all you have an agent talking to me about my credit information and didn't give me in violent information on my credit report and fell to fix it so I'm just giving notice I'm tired of dealing with you all in this crazy mess all that stuff that's inaccurate on my credit report needs to be removed if they don't contact you within the 15 days it's not my fault got handling me for my business and this is slander you got credit bureaus looking at stuff that's in accurate on my information and I'm telling you this and it's hindering me from my business so y'all slandering me once again
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my experian, XXXX, XXXX credit report, and noticed late payments that need to be deleted. It is as follows : Creditor Name : XXXX XXXX  Account number : XXXX Creditor Name : XXXX XXXX XXXX Account number : XXXX Your agency has violated my consumer rights and violated federal law ; I have proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below.

15 USC 1681b ( 2 ) - permissible purpose of consumer reports. THE LAW CLEARLY STATES : IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 


I did NOT give your agency written authorization or written instructions to report this information. 

You have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated identity theft and I've sustained defamation of my character, just to name a couple damages should this matter escalate to court. 

Experian, XXXX, and XXXX have violated my consumer rights as well, which is noted below. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This reported information is not only a violation of federal law, but just like your agency, they have damaged me in the form of XXXX of my character and they have committed XXXX XXXX XXXX, because I did not give them written permission to report this information. Which is a violation of 15 USC 1666b.

15 U.S Code 1681a ( 2 ) ( a ) ( i ) Definition ; rules of construction ( 2 ) Exclusions ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; You're not following federal laws and that's a violation. It clearly states that with this law as well, I am demanding you to delete the above late payments from my consumer report. 

Remove the remaining of the late payments on these accounts and remove all remarks defaming my name, XXXX card services has to be deleted since its a taxable income XXXX to be exact. XXXX XXXX XXXX  SHALL change the status to paid and closed like it says on all the other bureaus. Since that's another violation according to 15 USC 1681 S-2 if the other bureaus reported status say paid and closed with no late payments you have to follow the same protocol, all 3 bureaus are getting the same information so your agency is knowingly reporting false information. 

You have 7 days to respond upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from all consumer reporting agencies and also mail me a new copy of my report or I will be seeking legal action against your agency for these damages. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

A company known as United Funding Logistics headed by XXXX XXXX, known on XXXX as both UnitedfundingXXXX and on his personal account XXXX, where he routinely makes videos about people 's XXXX. When someone says something he dislikes about his company, he then discusses their XXXX  with his XXXX Million followers. He talks about the individual 's credit scores, showing his audience their actual model based scores, discusses collection actions and other negative credit events that the public should not be seeing. He uses this protected information to degrade these people. 

Recently, I reviewed his company after 8 months of use. It was not a shining review but was unrelated to seeing him post other people 's XXXX. He responded to my public review with " you're a liar '' and then proceeded to share information about a company attempting to collect from me that can ONLY be obtained or even seen on my credit report that he has access to. It is disgusting behavior. I didn't get in his mailbox and post anything I knew about him ... but this guy does this on repeat. I did not know when I hired his company that this is common practice for him. 

This guy is completely unchecked handing out XXXX and making a mockery of FTC guidelines resulting from XXXX and the like. No way is this guy CFPB compliant. Something needs to be done. 

His website is www.unitedfundinglogistics.com The address to his company isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma is reporting wrong information about XXXX account. It is not my account.
Product: Debt collection

On XX/XX/2022 I started receiving calls to my cell from a XXXX number which is not my area code so I did not answer thinking it was spam, also I was at work. It called 3 more times, again I did not answer. At XXXX p.m. someone near my desk answered and a female asked for me when the person who answered said he is not available this woman started to demand I be put on the phone and they better get me now. A bit later that number came across my direct work line and I did not answer it. Then it called my employers main office and demand they put me on the phone. The receptionist said all I can do is take a message. The person said she was XXXX XXXX at XXXX ext. XXXX from Diversified Recovery Bureau , LLC. I came home to numerous calls from the XXXX number being on my home phone. This is all after my attorney gave them a notice. I now have a meeting at my job tomorrow about the incoming calls that happened at my job today. I needed to make this complaint because if something happens to my livelihood I will need this complaint to take further actions towards the individual and the company. This was pure harassment. And there needs to be action taken against this person.
Product: Credit reporting or other personal consumer reports

This is not the first time I have found inaccurate information on my credit report. The three credit bureaus are required to verify these items. It is unacceptable to report these items as unconfirmed without validating them within the legally mandated time frame. The following incorrect information on my credit report needs to be investigated, amended, or completely deleted : 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: Checking or savings account

This morning my checking account was overdrawn for {$4000.00} due to dollar rental charge. Citizens authorized overdraft with my approval on a debit card that was not valid.
Product: Credit card

I noticed a payment processing on my Amex mobile app for {$5500.00}. I had just paid the minimum payment and did not authorize this payment. Amex said it was paid through my XXXX website which I dont ever use to pay my Amex. I only use the AMEX app. I called XXXX  to dispute. They said that Amex processed that payment since They had my checking and routing information. This happened with out my knowledge or permission. They also have access To my account with my Amex Personal loan that I am now concerned they will try to do the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my name incorrectly listed as XXXX XXXX XXXX XXXX. 

Furthermore the following addresses need to be deleted as I have never lived there or they or more than 5 years old. 

XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit card

Unexpectedly I received a new Chase Amazon Rewards Visa card in the mail. I did not request it or apply for it. So far Chase has not closed the account or explained how I ended up receiving it.