23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I closed on the sale of our property located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/2021. Our mortgage company for that property was CountryPlace Mortgage. I was informed that I would receive my escrow refund after approximately 20 days. I had not heard anything further from them [ CountryPlaceMortgage ] until I contacted them on XX/XX/2021. I was told that the escrow check had been approved on XX/XX/2021 and was supposed to have been mailed out to me soon after. As I had not received the check, I gave them my new mailing address and was told to call back had I not received it by XX/XX/2021. On XX/XX/2021 I called back as I had not received the check. I was informed that there had been no note in the system that a check had been cut as of the date and they would look into the matter and that I would hear back from them by the following Monday, XX/XX/2021. I did not receive a call, and on XX/XX/2021 I called back as I still had not received a check. I was then informed that there still was no note in the system that a check had been mailed, let alone been issued in my name. I was advised once again that I would hear something by COB XX/XX/2021.
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT, THE FRAUDULENT INFORMATION LISTED BELOW IS SHOWING ON MY CREDIT FILE BUT IS NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert from XXXX XXXX  XXXX  on XX/XX/2019, XX/XX/2019, and again on XX/XX/2019 with a message Alert Type : Potentially Negative - Major Derogatory A new derogatory mark has appeared on your credit report. Please review the details of the alert for information that may indicate identify theft. Balance {$360.00} Collections Open date XX/XX/19 Payment Status Grid Code G ( Collections ) Diversified Consultant with the companies address and phone number. I called and spoke to someone and they told me they could look this up by pulling my credit report if I would give them permission which I did. They said this had to do with an original creditor XXXX XXXX XXXX. I later spoke to my husband and we both remembered when we switched from XXXX XXXX XXXX to XXXX we called several times to confirm and XXXX XXXX XXXX   told us we did not owe any additional fees. I have not contacted anyone since I did not want to have anyone start calling me. I also have not gotten any mail or phone calls from this company notifying me I owe them anything. They have put this on my credit report 3 times. I called on XX/XX/2019 and asked what I should do about this and another representative said I could open a dispute and sent me over to the dispute department or so I thought. Took additional information from me and said it would take 30 days and I would hear something. When I saw the 3rd negative mark on my credit on XX/XX/2019 I called again and that is when I spoke to a customer service representative and she said these could be removed and she did not see where any dispute had been opened for me. She transferred me over to the dispute department and I spoke to a lady who told me the additional negative information put on my report on XX/XX/19 & XX/XX/19 by the same company and the same amount of {$360.00} could not be removed and they could put this on my report every day if they wanted to it just depended on how they did business. I asked if I could dispute this and she said she would open up a dispute. I don't know if she did or not. I really don't know if this company will continue to add negative credit information and who they are. I am worried. Thank you
Product: Debt collection

I HAVE REC EIVED 15 CA LLS SINCE MONDA Y (   XX/XX/17    ) FR OM CONN 'S  THEY ARE CALLING FROM  XXXX  THEY HAVE ALSO CALLED MY EMPLOYER AFTER I ADVISED TO NOT CAL L MY POE B ECAUS E I CAN GET IN TROUBLE, THEY CLAIM THAT MY POE NUMBER WAS REMOVED HOWEVER I JUST RECEIVED A NOTE FROM A CO-WORKER ADVISING THAT CONN 'S CALLED FOR ME, I CALLED CONN 'S AND THEY C ALLED ME  XXXX  A DVISED THAT I AM NOT  XXXX  AND ADVISED THEM THAT ONCE AGAIN I AM ASKING THEM TO  NOT CALL MY EMPLOYER AND TO CALL MY CELL PHONE INSTEAD ALSO ADVISED THE REP THAT THEY HAVE  MADE 15  CALLS TO ME SINCE MOND AY (   XX/XX/17    ) WHICH IS UNACCEPTABLE, AND CONSIDERED HARRASSMENT, THEY HAVE PUSHED ME TO THE POINT THAT I DO NOT EVEN WANT THEM TO CONTACT ME
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this formal complaint to demand the immediate removal of two negative accounts reported by Equifax on my credit report. These accounts are inaccurate, unverifiable, and causing unnecessary harm to my financial standing. This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 
Negative Accounts to Be Removed XXXX. XXXXXXXX XXXX Account Number : XXXX Balance : {$440.00} Past Due Amount : {$30.00} Payment Status : XXXX Days Late XXXX. XXXX Account Number : XXXX Balance : {$3000.00} Past Due Amount : {$3000.00} Payment Status : Collection/Charge-Off
Product: Mortgage

The email you gave me for XXXX - XXXX Is not working and came Back, please see attached. 

And you also got to waive all the legal fee, late fee, interest charges, inspection fee. 

I have been asking you repeatedly that I need to speak with someone. 

I also sent an email to XXXX XXXX, its a HUD counselor, they will also be reaching you out
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : They were the first ones that we filed suit against and won and they have completely wiped out my credit report instead of putting what was approved by them and myself on my reports. They have taking all of my positive things off and wiped it out. I have the lawsuit paperwork and the credit report that was corrected for proof. 



Experian, XXXX XXXX XXXX XXXX XXXX XXXX was sued and we won and that is not suppose to be on my credit file XXXX XXXX XXXX XXXX XXXX is not suppose to be on my report at all. XXXXXXXX XXXX I filed suit and won and it is still showing on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have filed suit and won against all three credit bureaus and they still are not corrected and holding all of the above on my credit reports, most of the creditors as well were sued and lost against me and agreed to have all removed. This has been well over a year ago and nothing has yet to be done. All companies are in breach of contract/ and I will take all back to court
Product: Mortgage

After filling bk BSI took over our loan in XX/XX/2018. They have never sent any statements. I've asked 5 times. They are now saying we are {$7000.00}. Late we gave our lawyer cancelled checks to show we are not. BSI is not threatening to foreclosure on our home, we've been in our house for 20+ years. They violated truth is lending, fair business act. Will not respond to my concern. I'm trying to refinance. I'm XXXX my spouse XXXX XXXX  XXXX  from XXXX XXXX XXXX  XXXX  also XXXX XXXX XXXX. Help
Product: Credit card or prepaid card

# 1 they have bad customer service # 2 they XXXX XXXX  # 3 I try apply for a credit card but they deny me because someone used my name to open a account # 4that account is fraud # 5 I already do a fair shake lawsuit they already got it in XXXX in 2020
Product: Credit card or prepaid card

Fraud was committed on our Barclay cards starting XX/XX/XXXX. Our account was put on a high alert/risk status. My card physically failed to work on XX/XX/XXXX. I called Barclay to query. I was told two things. First potentially fraudulent transactions have been occurring, and the card failed to work because of a faulty chip. These two things are obviously unrelated. 

Regarding the fraudulent transactions, it was ascertained, after numerous phone calls, that a hacker had changed our account such that all control and information would go to him/her. When a suspect transaction occurred, apparently the hacker was able to respond by stating " yes that is a valid transaction ''. 

Regarding the faulty chip, two new cards were to be shipped overnight. We were told to activate the cards, and recreate our account online. The cards did not arrive. Further phone calls to Barclay divulged these cards must have been sent to the hacker not to us. Further fraudulent charges were being put on this account. 

We were able to reinstate contact information, via a phone call with Barclay, and once again new cards would be sent to us overnight such that we could activate and reinstate our account. One of the two cards arrived the next day. 

We have spoken to at least seven agents for approximately six hours. We still receive calls from Barclay stating suspected fraud is occurring. Many of these calls are received while on the phone with Barclay agents. 

We have lost all confidence in Barclaycard. That they are incapable of freezing an account until obtaining valid account information and reissue cards, escapes all logic. 

To date approximately {$40000.00} of fraudulent activity has occurred on this account. Some has been denied. 

After numerous conversations, two separate case numbers, and at least three different statements of " elevated fraud status '', this problem remains unresolved. We look for acceptable resolution and close the account. 

My wife and I have been with Barclay since XXXX. That a hacking and fraud has been committed is unfortunate. That Barclaycard is thus far incapable of stopping the problem is disturbing. 


XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX
Product: Student loan

I graduated from XXXX school in XXXX XXXX. At that time I did not have a full time job due to having to do my required XXXX hours for internship. I was working as a XXXX for XXXX XXXX XXXX. When I received my notification that my loans had been bought by Navient ( they were in deferment with the other agency ) I contacted them immediately to see what my options were for repayment. They sent me a statement that my loans would be more {$900.00} a month. I contacted them again and stated that I was currently seeking full time employment and wanted to know again what options I had for repaying the loans because there was no way I could afford the current payment plan they had sent me. I waited for 3 months ( attempting at least once a week to get someone to let me know what I could do ) and never got an answer. I noticed that my statements stopped coming during that time. I called them back on final time and was told that my loans had been approved for unemployment deferment. I stated that I was currently doing XXXX for the XXXX at XXXX XXXX as a XXXX and they stated that XXXX work does not qualify as XXXX employment. When I was offered the job with XXXX XXXX XXXX as a XXXX in XXXX of XXXX I contacted Navient and asked what options I had once a gain and I was told that my loan was in deferment and I could either make interest only payments or I could let it stay in deferment until I found out if our center was going to shut down or until the unemployment deferment was exhausted. I asked how long that would be and they stated that my loans would come up for repayment in XXXX of XXXX. I was ever given the opportunity to do any type of income based payments or anything. I was n't told that I could stop the unemployment deferment or that you only had 12 months in the lifetime of a loan to have it under unemployment deferment. In XXXX I started receiving statements again and by this time we had been notified by the DOL that our center was going to close and our last day to work would be XXXX XXXX, XXXX. I contacted Navient and filled out the forms online to see again what my options were and they denied me any type of help. No income based repayment, no deferment nothing. I have gotten to the point now where I am looking at trying to file bankruptcy ( which I/m being told is next to impossible when it comes to student loans ). I do n't know what else to do. I am currently drawing unemployment and looking for a job but Arkansas is not the best state to find a decent paying job. I have XXXX school age children and with the normal monthly bills there is no way I can make a $ XXXX a month student loan payment. I have been told that in extreme cases student loans can be forgiven or put under a bankruptcy so I am hoping that the fact that I have barely any income and if I paid that loan payment I would be homeless and could n't feed my family is extreme enough.
Product: Credit card or prepaid card

I 'm not claiming that I was n't late on this account. I 'm asking for a courtesy removal because I was under the impression that this was set up to be auto paid and clearly it must not have been. That being said, I 've made all of my other payments on time since opening the account and continue to do so.. This would be a one time courtesy removal I am requesting, and will not be request again.. I would be happy to show you a copy of my credit report if you would like to show my timeliness on all of my liabilities. I take my credit very seriously being in the XXXX XXXX industry.. It is extremely important being a lender to have a good credit history. I 'm a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX and this could potentially affect my licensing. Thank you for you assistance in this matter. My cell phone if you want to reach out to me is XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out a letter to each bureau. They have not given me a response in regards to the letter I sent to correct some late payments in XXXX. I just want these payments corrected to paid as agreed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of  this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to neglect to properly investigate inaccurate information thats being reported to my credit file. I've sent police reports and fraud affidavits to Equifax to help aid in correcting the issue but Equifax continues to ignore information and not correct. XXXX XXXX   and XXXX XXXX XXXX is a direct result of ID Theft.
Product: Mortgage

My mortgage company CrossCountry Mortgage is supposed to pay for my NCIP flood insurance policy from my escrow account. They failed to do this, claiming that NCIP never sent them a bill. They never received a bill because they never provided the correct billing address to my insurance broker. Since my flood insurance policy was about to elapse on XX/XX/XXXX, I paid the renewal for {$1400.00} out of pocket and provided proof to my mortgage company that I had paid it on XX/XX/XXXX. I have demanded the mortgage company to reimburse me for this amount from my escrow account multiple times and they have not reimbursed me. The first time I had called them on XX/XX/XXXX, they told me I would get a check in approximately 15 days once they received the proof of insurance. When this did not happen, I called them again and they told me they would not reimburse me until XXXX. This mistake is not my fault. The mortgage company was supposed to pay my flood insurance policy in the first place and I can not wait this long to receive the reimbursement.
Product: Debt collection

XXXX XXXX XXXX working on behalf of XXXX XXXX XXXX ( XXXX ) received a writ of execution to levy my and my mothers bank account for a total of {$11000.00} after getting a default judgement back in XX/XX/2018. My mother nor I received any legal paperwork regarding this court filing from the XXXX XXXX XXXX that lead to a default judgement and levy which was granted in XX/XX/2018.  Yesterday my mother received a letter from her bank stating that {$11000.00} was attempted to have been collected due to the levy. In XXXX, My mother and I had a stipulation of settlement with the law firm XXXX XXXX XXXX in regards to the XXXX XXXX XXXX account with XXXX XXXX XXXX. In XXXX, I had received a letter in the mail stating that XXXX was being sued in a class action lawsuit from the CFPB and that my loan was included. It further stated that any collection activity must cease until all the accounts are audited. I havent received any correspondence from XXXX XXXX XXXX since the settlement in XXXX until recent when my mother was sent a notice of levy against her account on XX/XX/XXXX. I have been in a legal battle with XXXX since XXXX. XXXX XXXX XXXX obtained a judgement without sending any paperwork as I have always answered to and appeared in court in regards to this matter. They are still attempting to collect on this debt after my loan was included in the lawsuit that stated debt collection must cease. I have received no correspondence of any evidence of auditing of my student loan account with XXXX  as of yet.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX XXXX XXXX XXXX XXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as XXXX with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any XXXX. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( Transunion, XXXX, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( Transunion, XXXX, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX XXXX XXXX ALL RIGHTS RESERVED
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, we need to eliminate any erroneous accounts from my credit report. Can you go over the documents? Some accounts are reported inaccurately, with incorrect amounts and dates.
Product: Checking or savings account

i moved my primary account to another institution because Bank of America violated my privacy when they sent all customers banking info so fed could use to track XX/XX/XXXX rioters I'm XXXX never left XXXX XXXX they didn't ask permission to send my account info and was never requested by federal government only BOA did this. in mid XXXX i noticed my account was in negative sent checks from check bill pay new bank on XX/XX/1919, XXXX and XXXX on XXXX and XXXX sent 2 checks each day, on XX/XX/XXXX Monday called boa customer service said they had never received deposits any of them about 2 weeks after first 2 checks sent, customer service said checks never sent or lost told i would talk to new bill pay and pay another way. mysteriously all checks were found 2 days after complaint and after i cancelled payment cause they told me was lost. o9on first funds were reversed to my new credit union, on fifth bank charged me for all 4 that had been reversed as one lump refusing to show me details of transactions they told me were lost they didn't have. then on fifth all new charges all over again i canceled again said couldn't help talk to local bank made appointment first day could the ninth today. when i got there said could do nothing i reminded her her mask for covid was not covering nose she then gave me cards back and kicked me out of bank she doesnt have to follow covid rules i do and she threatens me with security and i left no argument said i would call boa headquarters and there customer service rep hung up on me so cant even talk on phone i have no recourse
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$470.00} - Late/Open XXXX XXXX XXXX Balance : {$440.00} - Late/Open XXXX
Product: Credit reporting or other personal consumer reports

I never authorized the following inquiries and has been identified as fraudulent. 

XX/XX/scrub>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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX