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

I am writing regarding the above-referenced account currently appearing on my credit report. As I am nearing the final payment of this debt, I would like to request a goodwill removal of this account from all credit reporting agencies ( Experian, XXXX, and XXXX ) once my final payment is received. I appreciate your cooperation in resolving this matter and acknowledge your assistance throughout the repayment process. I believe removing this account from my credit report will serve as a goodwill gesture in recognition of my efforts to fulfill the obligation in full.
Product: Mortgage

I bought my house XX/XX/XXXX On XX/XX/XXXX I met a man named XXXX XXXX who committed mortgage fraud, identity theft, mail fraud, tax fraud and marriage fraud. 
And still up to this date impersonating me and misusing my personal information to continue committing crimes against me. 
I have reported the crime to the authorities and the IRS and every company I can think of reporting this crime. 


XXXX XXXX
Product: Credit card or prepaid card

I requested to waive the late fee because I missed the payment by accident for my payment on XX/XX/2020. The fee was waived however it was not explained to me that it would credited to the balance and not the actual payment so I made my payment minus the late fee. I was then charged another late fee and I reached out to the company and was explained that once the payment posts for the XXXX statement everything would credit back to my account and I was assured that my XXXX statement would be normal. I did not receive a statement and only realized that they had charged another late fee and carried over the {$36.00} late fee previously. I reached out and was told " we are sorry you werent explained the process, but we cant waive the fee '' I asked to speak with a supervisory and was placed on hold and no one ever came to the phone. My credit card bill went from {$36.00} Dollars monthly to {$110.00} because of fees.
Product: Mortgage

Purchased a home on XXXX XXXX with XXXX XXXX the mortgagee, loan was sold to XXXX XXXX in XX/XX/XXXX. Original amount XXXX and change was original note. In XX/XX/XXXX, Mortgage payment increases to XXXX with no explanation for increase. Upon investigating and many hours of phone calls it was discovered that insurance company ( XXXX XXXX ) double billed mortgagee and they paid it without checking that it was already paid., instead they penalize the mortgagor. Bottom line is mortgagee is so big the left hand doesn't know what right hand is doing, and they fail to admit their mistake. The mortgagee also wouldn't accept original payment amount, they called it a short payment, all documents have already been sent to mortgagee
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) 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 reporting or other personal consumer reports

XXXX XXXX XXXX  Account number XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting

On XX/XX/XXXX, my wife and I sent a letter to Equifax asking them to investigate errors on our credit report. Months passed, and we simply could not get Equifax to respond. After countless follow-up letters and complaints, my wife finally received the results of her credit investigations in XX/XX/XXXX. However, unfortunately, even after continue follow-up letters and complaints, I have yet to receive the results of my credit investigations. It has now been six months since we sent our original letter. The fact I have received no response from Equifax is utterly ridiculous.
Product: Payday loan, title loan, or personal loan

Hello, I received a solicitation in the mail from Ladder Loans. I submitted my information online through their website as instructed. After no follow up from the company I called to check, XXXX answered the phone took my info and said he knew right where to go for my loan as I had a XXXX credit score and would call me back that afternoon. No call back. I tried on Friday and left a message. I tried back on Monday the XXXX of XX/XX/2023, got a hold of XXXX, said they were having technical issues and that my file was with someone else in the office and they would call me right back. No call back from them. I tried later that afternoon and got the switchboard operator. An hour later I got a text from XXXX, not the other person he said was now on my file and said he emailed me some quotes and to text him if I wanted to proceed. Never received his email. I called and texted that I received nothing. No response from them. I got online to see if there was any feedback on this company and found a recent complaint about the same XXXX. I am concerned that my social security number and personal information may be in the wrong hands. I appreciate any help you may be able to offer concerning this matter.
Product: Mortgage

I received a letter in the mail XX/XX/2019 from PHH Mortgage Services stating they have been bought out by XXXX XXXX XXXX XXXX and that I can update my privacy preferences by calling XXXX. When I called the number it did not allow me to update my preferences and I could not speak to a person. Next, I called PHH customer service and asked for someone to update my privacy elections. I was given the number XXXX which is a fax number. PHH customer service rep told me he can not update my privacy elections on my behalf even though I gave him sufficient verification that I am the correct person. There is a form on the letter that I can mail in ; however, if both phone numbers given to me by PHH dont work why should I expect that they will process a mailed in form correctly?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My savings account was locked for inactivity, and they are not unlocking my account after completing necessary steps. I have mailed a letter ( certified ) that was delivered XX/XX/XXXX, and they continue to say that they are waiting for their back office team to give me access to my funds. After asking for clear instructions, I followed them exactly and mailed the letter, and after XXXX weeks of calling, messaging through XXXX, and emailing, they are NOW telling me the letter needed to be notarized. They have confirmed they have received the letter verbally, refuse to give me clear instructions in writing, and when instructions are followed, they are changed.
Product: Mortgage

We received a letter stating that we had requested to close the escrow account and now we will be charged an additional fee to reopen it as we are required to have it? We did not request Escrow to be closed and if we did erroneously make such an error while accessing our account online, then why wasn't I notified immediately via email or more appropriately we should have been notified at that moment that doing so would create added fees as we are required to have the account. I have reviewed all my email messages including spam and promotions and there has been no message that I elected to close escrow on the date I was on the account as stated in the letter. There are also no notices or confirmations of this action in the message center of our account online. My husband received a letter post marked XX/XX/XXXX letter that he was not able to open until after banking hours on XX/XX/XXXX and also on a weekend had a required response date of XX/XX/2019 before escrow would be closed automatically on XX/XX/XXXX which is a Monday allowing us absolutely no time for resolution before action will be taken. It is not appropriate to make such demands or send such letters with less than 10 business days to respond without email notification, or a message in the message center. In addition, I have made several attempts to notify them via the messaging center online, however when I click submit the message does not submit and does not show up that I sent a message after several attempts. As mentioned it is a weekend and the letter was opened Friday evening after hours, we can not stop the closure of Escrow with added fees to reopen as we are told it will occur Monday XX/XX/XXXX.
Product: Mortgage

I was affected by XXXX XXXX on XX/XX/XXXX. When I attempted to file a flood claim on XX/XX/XXXX I  was informed that loan depot mortgage company failed to make a premium payment so my flood insurance was canceled. Loan depot said they did n't make the payment because XXXX did n't submit the proper paperwork and XXXX had the wrong loan account number on their documents..they both say it 's not their fault and neither want to take responsibility for our lapse in coverage. We need help! XXXX is contracted through XXXX. Our premium is paid through escrow.
Product: Debt collection

To Whom it may Concern, I have tried to work to resolve a charged off Credit Card originally held by Capitol One Bank. In XXXX I was laid off my job which required me to make tough decisions. I have successfully resolved debt issue with all creditors, except XXXX XXXX XXXX. 

Today, XX/XX/XXXX I call the company on XXXX and was disrespected by their staff, the intake workers denied my request to speak with a decision maker who could help me resolve this debt at a more favorable rate. I was offered to a settlement of a Credit card with an original balance of {$1000.00} currently valued at {$2000.00} by XXXX XXXX XXXX for {$1800.00}. I rejected the offer as the amount of the debt has fees and other balloon charges on an account that is currently reported unfavorably on my credit reports for over 5years.

I made an offer to pay {$600.00} and absorb any reasonable deficient balance as income chargeable to me on form 1099-C. I made this clear to the agents and I was told this was not an option. I made the agent that I was aware that he may not be able to approve the request and to transfer me to the department that can so this debit can be resolved today. He transferred the call to another frontline worker, who was rude and argumentative. I asked him to provide the internal complaint number or email and he refused to assist me with requested information. He Identified himself as XXXX and the only decision maker I can speak to. I made him aware that by his lack of engagement displayed behaviors that would not be found in leadership to transfer the call. I was deny and disconnected the call. 

.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$140.00}. XXXX XXXX. XXXX XXXX XXXX {$900.00}. PARAGON REVENUE GROUP ALL ACCOUNTS WITH ANY DOLLAR AMOUNT. NEVER AGREE TO PAY ANY DEBTS WITH ANY OF THESE COMPANIES I DON'T RECOGNISE AND HAVENT MADE A DEAL TO PAY A DEBT WITH THAT COMPAMY OR COMPANIES. I HAVE PROOF THAT MY SOCIAL AND ID HAVE BEEN STOLEN SEVERAL TIMES OF YEARS OUT MY CARS OR HOME. I HAVE PROOF AND SOCIAL SECRUITY CAN BE CONTACTED. AND XXXX XXXX   THAT I FORGOT TO ACTIVATE AT THE TIMES. THERES NO PROOF THAT THIS STUFF BELONGS TO ME. I NEVER MADE A DEAL WITH THESE COMPANIES OR PROMISE TO PAY ANY FEE AT ANY TIME AT ANY AMOUNT. PLEASE REMOVE THESE. THESE COMPANIES HAVE UNSECURE WAYS OF RECIEVING INFO AND FRAUDULENT INFO. PLEASE AND THAK YOU. HAVE A BLESS DAY. ALL ACCOUNTS NEED TO BE REMOVE FOR REAL.
Product: Credit reporting or other personal consumer reports

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have paid my mortgage to Carrington Mortgage company between the XXXX, every month for the past 7-8 months. I have a history of paying on time, never late. My XXXX payment was no different and paid via electronic bill payer from my XXXX account on the XXXX. Any payment received after the XXXX of the month is considered late. In XXXX, I received a past due notice and late fee from Carrington. I immediately called and faxed proof of payment to Carrington from XXXX bank and followed up with a call. Today, I received another past due note and late charge from Carrington. I immediately called and spoke with a representative. I asked to speak with a supervisor when she said my letter and proof of payment was not adequate to request the late fee be removed, it 's their policy, she said. She asked for copies of my banking statements. I stated that they have adequate documentation that the mortgage was paid by me, before the XXXX by my financial institution. I informed the representative that I have already been preapproved to transfer my mortgage to XXXX because of the awful customer service. My loan was originally with XXXX until Carrington purchased it. I have had nothing but problems since the bought the loan. This organization operates like a preditary collection agency, not a mortgage company. Their voice recording in calling informs callers they are a debt collection agency ( mini marinda ).
Product: Vehicle loan or lease

My loan was paid off by insurance company on XX/XX/2023 however the payoff quoted to my insurance was over by {$34000.00}. All along I was on top of my insurance company to make sure that my loan for my Kia was paid on time. To my surprise the first 4 follow up calls were all the same. The refund check will be issued and mailed out to you XXXX XXXX however it will take 30-45 days for it to go out. On XXXX I called and I was then told that check had been mailed on XXXX to my insurance company and not me as I've been told all along. Today I called Kia in XXXX and spoke with XXXX XXXX. and was given a chk #, the exact amount and the address. Hours later I contacted my insurance and they confirmed that the address they mailed the check to was incorrect and for me to ask them to void the check, reissue a new one and mail it to the correct address. After being on hold for 20+ minutes I requested to speak with XXXX XXXX they couldn't do that so I needed to now speak with XXXX XXXX. I then asked that please void the check. But she was quick to say " No we can't do because your a 3rd party and so they need call us directly and submit the request. I've been waiting for the past 70 days for my money and now I'm being penalized for an error they created. My payoff was for $ XXXX at the time time my insurance company called for payoff see attached payoff letter they submitted to my insurance. I want my {$3400.00} refund now!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me. My identity has been compromised in the past and this is the result of identity theft. It has been reported, therefore I'm demanding that this accounts be removed immediately from my credit files. 

1 ) XXXX XXXX {$500.00} 2 ) XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

I have been monitoring my credit reports and have noticed a few accounts that I was unsure of. I didn't recall signing any contract agreements with these lenders. I also saw some accounts that seemed to be showing different balances and different payment histories. I requested that these accounts be verified so that I can ensure that they are 100 % accurate and 100 % verified. I sent this letter out on XX/XX/2023. 

Upon completion of this investigation, My credit report is STILL showing inaccurate and unverifiable information. There is No way that these investigations were done properly. All XXXX bureaus are reporting different figures on the same accounts. I asked all XXXX bureaus to verify that this debt is mine and also verify the accuracy of the debt or remove it from my report. 

I am still finding inaccurate information on my report. This is hindering my ability to apply for credit as these accounts should have been corrected or removed as requested! 

The following Accounts are inaccurate : XXXX XXXX XXXX XXXXNo knowledge of this account *Report shows inaccuracies in Account #, Account type, Date opened, Past due, Payment status & payment History. 
PLEASE DELETE THIS ACCOUNT XXXX XXXX XXXX XXXXNo knowledge of this lender *Report shows inaccuracies in Account #, Account type, Date opened, Past due, Payment status & payment History. 
PLEASE DELETE THIS ACCOUNT XXXX XXXX  - Inaccurate XXXX XXXXAccount CHARGED OFF but showing Past due Balance *Report shows inaccuracies in Date opened, High credit limit, Credit limit, Past due, Date of last payment & payment History. 
PLEASE DELETE THIS ACCOUNT XXXX XXXX XXXX XXXX Account CHARGED OFF but showing Past due Balance *Report shows inaccuracies in Date opened, Past due, Payment status & payment History. 
PLEASE DELETE THIS ACCOUNT XXXX XXXX XXXX XXXXReport shows inaccuracies in Date opened, High credit, Last Payment & Payment History. 
PLEASE DELETE THIS ACCOUNT XXXX XXXX XXXX XXXXReport shows inaccuracies in Date opened, High credit, Past due, Last Payment & Payment History. 
PLEASE DELETE THIS ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and discovered that a collection agency ( XXXX XXXX XXXX ) was reporting against my report and indicating that I had a debt which in fact is not my debt. I contacted XXXX and they informed me that they are were not reporting information on me to Transunion. They claimed that Transunion is wrongly matching their record to me. So i contacted Transunion and they opened a disputed case for me with XXXX. Transunion claimed that they only report what XXXX submits to them. XXXX says that this type of matching mistake by the reporting bureaus is common. The disputed item was removed but now it has reappeared on my report. I find Transunion unwilling to even discuss the possibility that they are matching to me by mistake. they also are not very cooperative when i have called them by phone.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a dispute letter to all the credit bureaus and creditors regarding the accounts of which I do not know. I have not received any response nor a notification regarding the investigation and results.
Product: Debt collection

I filed a complaint on XX/XX/XXXX against National Credit Systems for trying to collect on a debt that I do not owe. The collection company is alleging that I owe a debt that they are collecting on. I have disputed it several times but they keep verifying it. I requested debt validation and they sent me a statement. A statement is not debt validation. I requested a signed contract or legal document with my signature stating that I agree to pay their company.
When they responded to my previous dispute, they stated that the property manager emailed them and said that I was an applicant and that I placed a stop payment on the checks that I allegedly paid with. I believe that information is false. Their response also " respectfully requests the XXXX XXXX sends them additional information so that they can do further research ''. I know no one by that name and believe that their response was a blanket response to their complaints.
On XX/XX/XXXX at XXXX XXXX, I went to the said property and spoke with XXXX. She searched their system and could not find a XXXX XXXX as an applicant or a resident. Her number is XXXX and fax # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud accounts appearing on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does not allow experian access.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports and I spotted unauthorized and fraudulent inquiries. I'm a victim of Identity theft and I have not initiated any transactions with these companies.
Product: Payday loan, title loan, or personal loan

XX/XX/2019 - {$25000.00} Loan is approved pending pay stub docs submission. 

XX/XX/2019 - contacted via phone to get info on loan and what is needed to complete approval process. 

XX/XX/2019 - contacted via phone that I sign up for membership and ensuring pay stubs are submitted and discussing whether to either have approved loan check delievered or drive to nearest branch to pick up check. They do not do direct deposit. 

XX/XX/2019 - I drive to branch to have branch manager tell me because of no debt on credit report and my reason for loan was bill consolidation was because I was denied. No one higher up would speak to me or whoever branch manager talked to that made this decision. 

Part 2- called Penfed 1 800 number to call highest level of management. I was able to get a hold of supervisor.

He informed me the loan officer was worried of giving someone that amount of money with limited credit history. Despite me being XXXX score and everything being approved. They would not let me speak with a loan officer. 

I was mislead to believe I was approved for a loan and to either get check mailed to me or go to branch. I went to branch to be told I was not approved for loan afterall.