23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

For the past year and a half I have wanted this mortgage company to simply just get my taxes correct, for the year they are just about XXXX. I filed my first complaint and it took them 5 months to resolve while they were trying to figure out the issue I was forced to pay a extra XXXX a month on my payment. When they finally resolved the issue and all seemed well it popped up again. Now here we are 8 months down the road they have paid a extra XXXX this year on my taxes and my escrow is almost negative again which will lead to me paying a extra XXXX a month which I will not have. If they simply mailed a certified check for the taxes this would not happen. But since they do not the county/town mail the check back it never gets refunded and 3 months go by and the town/county send another tax request from the lender with interest stating it needs to be a certified check which at that point they pay it correctly with the interest, so after one year goes by I pay my taxes double and only after I make these complaints does it get resolved, after the last complaint they sent me a letter stating they would release paying my taxes and I would have to do it myself, I do not want to go to the town/county and pay them myself I just want to simply pay my mortgage and for them to do there job and pay the taxes.Now I will need another refund and have to wait for the chairman who seems to be the only person from this bank with common sense to get in touch with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to XXXX XXXX for almost the last XXXX years about this loan and I'm still getting the run around with no clear cut answers on why there is still a loan balance on my credit report. The loan was paid in full by my insurance and the remainder by my gap insurance. I recently got in contact with someone from American heritage about the loan and was told that I would be reached back out to. The only thing that occurred was a {$780.00} decrees in the balance ( {$2400.00} ) to ( {$1600.00} ), still with no proper communication as to why there was a balance ever to begin with.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following false accout : XXXX  XXXX XXXX account XXXX
Product: Debt collection

They claim they say due is {$1900.00} when in fact it was $ XXXX.I have  sent them a copy of court ruling signed by a judge here in XXXX county Washington stating so.The {$670.00} was paid to the owner of the property in Question.
Product: Debt collection

The company keeps calling me and my family about debt but will not validate the debt. I asked for them to mail me a copy of validity of the debt and they wont. They also said I signed a form on XX/XX/XXXX which I didnt. They sent me that form and it wasnt my signature it was definitely forged. They are being super shady and will not give me paperwork on the debt.
Product: Credit reporting or other personal consumer reports

My credit score is inaccurate on experian my actual credit score is XXXX and they have XXXX
Product: Money transfer, virtual currency, or money service

With references to the 2 complaints I have already made to CFPB, I have not received my refund up to this date. Twice, the company responded by providing me with the relevant information to collect my refund. 
The second complaint I made to CFPB, XXXX, from the Executive Resolutions Team, emailed, to advise me that I need to provide the relevant documents that will prove that I am in XXXX. I emailed all documents, which include : my Bank Statement to show evidence of the amount being taken out of my account, my Passport to show the Entrance Stamp on my time of arrival to XXXX. 
On XX/XX/2021, I received another email that reads " Please be advised that we have changed the payout destination of the transaction, Western Union processed a full refund including charges in the amount of {$500.00} equivalent to XXXX, with tracking number ( XXXX  ) XXXX. Your refund is available for pickup at any Western Union agent location in XXXX ''. 
Having received such an email, I went the same day to a Western Union location in XXXX and DID NOT get the money as the agent told me that a notification is saying " This transaction is under review '' I made a call to my local Western Union Headquarters and the representative responded by saying she made a call to the CORPORATE HEADQUARTERS in COLORADO and she was told that the money should be picked up in the US ''. 
WESTERN UNION!! I need an ANSWER NOW!!!! This is my THIRD COMPLAINT about my refund. I have provided XXXX, from the Executive Resolutions Team with all my documents and information of my being in XXXX. I need the Western Union in XXXX to get the information from the CORPORATE HEADQUARTERS in COLORADO, in order to release my money.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a call from Chase Bank confirming a credit card account opened under my name and with my personal information. In which I NEVER opened so I confirmed with them that it was not me! The representative closed the account but suggested I call the Credit Bureau to report the fraud, in which I did. They were able to add a fraud protection on my account and have formulated a dispute with the company, in which I am waiting to hear back from. And now I am formulating a complaint here to ensure my information is safe. I have been subject to identify theft and taking action to help secure my information!
Product: Credit reporting, credit repair services, or other personal consumer reports

mailed to XXXXequifax/XXXX and I asked for a verify/and or validate this alleged debt owed to XXXX XXXX also requested the contract and signature that I provided to XXXX XXXX  ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4. Also they are violating the consumer law by adding interest to this alleged debt Consumer rights that are being violated 15 USC 1681 b 15USC 1681 4 fair debt collection practices act, section 809 ( b ) : validating debts b ) Disputed debts If the consumer notifies the debt collector in writing within the XXXX-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the XXXX-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Debt collection

XXXX XXXX claimed I owed one last payment on my lease which was up in XXXX of this year. I had disputed the claim, asking for proof of which payment was missed. I was then sent a letter by Sequium ( Debt collector ) which I received XX/XX/XXXX. I called them XX/XX/XXXX. At which time they asked me to pay the debt, even though I disputed it and requested the proof of owing it. They told me I had to call XXXX for that. I did and was put through to their collections. They told me that Sequium was told to suspend collection activities on XX/XX/XXXX due to account review. I called Sequium back and told them what XXXX told me. I was told that XXXX doesn't make mistakes and she asked me how I wanted to pay off the debt. When I insisted that XXXX suspended collection activities the week before she acknowledged it and I was told to call back when XXXX adjusts the account. My complaint is that they tried to collect a debt after they were told to suspend activities.
Product: Credit reporting or other personal consumer reports

I have attempted multiple times to resolve the reporting issues with this CRA, to no avail. I have attached a detailed description of the issues and violations of FCRA, XXXX & CFR. I demand an investigation and resolution.
Product: Bank account or service

Insurance premium of XXXX for Mutual of XXXX whole life policy # XXXX, which I signed an agreement to be deducted from my personal checking account with the Navy Federal CU, account # XXXX on the XXXX of each month. The company XXXX debited {$55.00} on the XXXX of XXXX and on the XXXX of XXXX. They made XXXX withdrawals within a 30 day period, illegal under banking laws for an insurance product. NFCU has offered to credit back the {$31.00} overdraft fee. I believe XXXX knew I had an XXXX deposit pending and was held until the XXXX. NFCU, although I had a pending posted deposit, NFCU refused to clear the draft. XXXX uses different days to post this payment, so that I may lapse my insurance policy, depite federal banking laws. They can not make multiple drafts within a 30 day period for an insurance policy. I do move money around as I have been a victim of identity theft, so I need the bank to follow an automatic draft schedule as most financial institutions are capable of in the XXXX century of electronic billing. This company also did not take a draft at all in XXXX, I had to mail the payment in. XXXX this premium draft to a third party who does n't provide a legal address or phone number. This jeopardizes my already fragile credit rating and puts my life insurance policies at risk for being disputed. Your attention to this matter is greatly appreciated.
Product: Debt collection

Ive tried to get verification from this company numerous times with no response. Went to their website to enter in my SS # to verify and it comes up as invalid ss #.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the inaccurate reporting status on an individual closed American Express account, which is adversely affecting my credit profile. The account in question is currently listed as " Payment after charge off/collection Settled - less than full balance. '' I wish to bring to your attention that this matter has already been settled, and as a result, the payment status should not indicate " In Collections '' or " Charge-off or Written Off. '' I kindly request that you promptly investigate this issue and update the reporting status to reflect the accurate account status. The inaccuracies in the current reporting status are misrepresenting my credit history and causing harm to my creditworthiness. I want to emphasize that the closed account in question has already been resolved through a settlement agreement. As per the Fair Credit Reporting Act ( FCRA ), it is essential for the information reported to be fair, accurate, and up-to-date. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. In light of this legal requirement, I kindly request that you take the necessary steps to rectify the inaccuracies in the reporting of this closed individual American Express account. Please update the status to accurately reflect that the account has been settled and is no longer in collections or charged off.I do appreciate your attention to this matter and look forward to a timely resolution. If you require any further information or clarification, please feel free to contact me. 
Thank you for your prompt action in resolving this dispute.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unrealizable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate late payment entries on my credit report regarding my account with XXXX  XXXX ( Account # XXXX ). These late payments appear to be reported in error, as the account is marked as XXXX across all bureaus and there is no valid evidence to support these entries. This is a violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 
Details : Account Name : XXXX  XXXX # XXXX Late Payments : The account is marked as Current across all three credit bureaus, yet late payments are reported inconsistently : TransUnion : Reports 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
XXXX : XXXX 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
XXXX : XXXX 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), and 120 days late ( XX/XX/XXXX ). 
This is a major discrepancy because : The Payment Status is listed as Current. 
The Past Due amount is {$0.00} across all bureaus, meaning no payments were late or owed. 
2. High Credit Discrepancy : TransUnion and XXXX : List the High Credit as {$510.00}. 
XXXX : Lists the XXXX XXXX as {$0.00}, which is incorrect and inconsistent with other bureaus. 
3. Future Reporting Dates : TransUnion and XXXX : " Last Reported '' date is XX/XX/XXXX. 
XXXX : " Last Reported '' date is XX/XX/XXXX. 
Reporting dates in the future violate FCRA Section 607 ( b ), which requires timely and accurate reporting. 
XXXX. Date Last Active : TransUnion : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
These discrepancies suggest inaccuracies in the account activity information. 
XXXX. Payment History Contradictions : The Payment History shows late payments for specific months ( XXXX, XXXX, and XX/XX/XXXX ), even though the account status is listed as Current with no past due amounts. 




Violation of Consumer Protection Laws : Violations of 15 U.S.C. 1681 ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of consumer information. Reporting late payments on a current account violates this standard.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : I have the right to dispute any inaccurate information on my credit report. The bureau must conduct a reasonable reinvestigation to verify its accuracy.

3. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified as accurate, it must be promptly deleted or corrected.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Information furnishers, such as creditors, are prohibited from knowingly reporting inaccurate information.

5. 15 U.S.C. 1681s-2 ( b ) : Upon receiving notice of a dispute, the furnisher must investigate, review relevant information, and report its findings to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2023 Amount {$2800.00} I have a late payment from XX/XX/2023 In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries appearing on credit report. 

1. XXXX {$1300.00} 2. Pa Child Support Enforcement {$16.00} 3. XXXX {$0.00} Inquiries 1. XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX XXXX 3. XXXX XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX 8. XXXX XXXXXXXX XXXX 9. XXXX XXXX 10.XXXX 11 . XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX of XXXX, I shopped at XXXX, XXXX, XXXX XXXX, and only browsed XXXX. After the purchase, I received credit cards from all 4 merchants. 

XXXX -- product returned immediately, but they still showed charges of over {$40.00} XXXX -- charged for partial order, but was not aware. In XXXX they sent the item and started sending me bills for over {$60.00}.

XXXX XXXX -- product received, but they were charging me {$37.00} for the yearly card. 
XXXX -- looked for a particular item and left. I still received a card asking for yearly fee. 

Tried to call XXXX XXXX several times as well as store customer service, but nothing was resolved. I finally received a call from XXXX on XXXX XXXX, they listened to my complaints about receiving cards and they said they will close all and clear the accounts. However, as of XXXX XXXX, XXXX, XXXX claims I owe them {$58.00}. Spoke with the number provided and told them that account was cleared by the bank. They insisted it was not. I am suspecting the other merchants will do the same, harass me until they receive the money they think I owe. I am hoping that someone will help us before anything else happens. 

These merchants and the XXXX XXXX XXXX are committing fraud. They should be penalized and punished every possible way. They are misleading the consumer. As for me, I will not shop at the above merchants again.
Product: Mortgage

Bank of america was adjusting my account for lowering the payments and did not post my sent payments to the loan to show the government that we are behind, but we paid all on time direct deposit from my account every month. So this account is paid is full and shows late payments from XX/XX/XXXX to XX/XX/XXXX. We have XXXX kids and this is hurting us whenever we go for a car loan or refinance a mortgage. Please kind help us and our family will be thankful to you
Product: Credit reporting or other personal consumer reports

Bank of America pulled my XXXX credit report without my consent/permission. The auto loan was for the business and should have used the business credit score.
Product: Credit card or prepaid card

On XX/XX/2020 I paid {$450.00} for my XXXX payment that was due on XX/XX/XXXX. I am trying to pay off my bills as quick as I can because of the uncertainty of the economy, I don't want to not have money to pay my bills. So on XX/XX/XXXX, I went back online and paid another {$750.00} to my credit card for the XXXX payment. Now I get a notice that they are charging me a {$29.00} late fee because the XX/XX/XXXX didn't count for the XXXX payment. Seriously? So by doing good and trying to pay my bills, they are penalizing me {$29.00}. This is fraud and bad business. The agent told me I paid too early. 

Yeah, sorry for paying too early, unlike your other customers who probably just stopped paying their bills.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX
Product: Credit reporting or other personal consumer reports

A recent review of my Equifax credit report revealed several inconsistencies and errors that need immediate correction. These include accounts and inquiries that are fraudulent and appear to have resulted from identity theft : Collections and Charge-offs : XXXX XXXX XXXX XXXX This account is falsely listed as charged off with a balance of {$7800.00} as of XX/XX/2024. 
XXXX XXXX : Misrepresented as a paid charge-off, with the remark " Account closed by credit grantor, '' which is inaccurate. 
XXXX XXXX XXXX : This account is erroneously included with derogatory information, despite no association with me. 

Unauthorized Inquiries : There are XXXX hard inquiries on my credit report that I did not authorize or recognize. 

Inaccurate Address Details : My report contains incorrect addresses, such as those in XXXX XXXXXXXX XXXX which do not belong to me. 

These inaccuracies have caused significant negative effects on my financial health and creditworthiness.
Product: Mortgage

I legally applied for mortgage assistance during the pandemic. I have since caught up all of my non-payments and my mortgage loan is current. 

My home mortgage has now been sold several times. 

It has now increased over $ XXXX with the explanation being that there is a {$3500.00} shortage in my escrow account. I don't understand how this shortage occurred. The previous loan holder was Mr Cooper. It is now with RightPath Servicing. The monthly increase is a hardship for me. 

I also requested that the loan be in my legal name, not my former married name. I was told that they couldn't change the loan name unless I refinanced and that they were a servicing company not a mortgage finance company. 

How do I get my loan back to a mortgage company? How do I decrease the payments? How do I get the loan in my legal name?
Product: Bank account or service

I tried to open the checking account with 1st Bank aka https : //www.efirstbank.com which was offering me {$200.00} for the new accounts after meeting certain conditions. I provided all the information and also the funding information ( from another account ) to fund this. Then i submit the application over internet. But next day i received the call that as per XXXX report - i am denied opening a new account. I was asked to check with them ( XXXX ). Why they are not letting me open the checking account at the fist place?
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX shows account closed charged off in XXXX  shows as negative, but then XXXX XXXX shows it also with a different account number ( the XXXX XXXX numbers ) and shows the original creditor as XXXXXXXX XXXX XXXXXXXX. 

I did not recognize this XXXXXXXX XXXX XXXXXXXX account and called them, and they told me it is the same account that is XXXX. 

If this is true, then it is being reported negatively twice on my report. 

I feel it is illegal to put the so-called same account on your report twice in a negative way.