23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I had XXXX soon after I started having complications. I was off work for 2 months. During this time my XX/XX/XXXX company called to inform me that they were going to be fighting me on my claim. So knowing that I wasn't going to get paid I called my mortgage company in XX/XX/XXXX they informed me they have programs to help me. I told them I would keep them updated. I was able to make my XX/XX/XXXX payment. XX/XX/XXXX came still no money from my XXXX company and now all my bills are piling up and my medical bills are way more then I can handle. I called my mortgage company for help. I applied for a hardship turned in everything they asked for. As of yesterday XX/XX/XXXX I still hadn't heard from them so I called they informed me that they denied my hardship. I asked them why they said because they didn't think with me being off work for 2 months due to my medical condition with no pay is a hardship. I'm a single mother of XXXX daughter 's my income is all we have. Please help me I don't want to lose our home. I'm only 1 month behind and they won't work with me. I've called HUD but they can't help because I don't have a FHA loan the hope program just did was had me call a counseling program. My XXXX company still won't give me any info and now it's going on 4 months. If I could just get my XXXX   money then I wouldn't be in this situation. Please help me. Your my last chance. Thank you.
Product: Mortgage

When they look up my income they are not using the right amount and i have been trying to tell them that
Product: Mortgage

On XX/XX/2020 XXXX called me and inquiring how my VA loan was going. I thought he was from my employer. So, I realized he was not from my employer after already giving him my social security number and birthdate as well as my husbands. I told him I was not interested in applying for a loan as I misunderstood who he was and that I would obviously originate a loan with my employer instead of them. I told him to make sure all information about my husband and myself be deleted. On XX/XX/2020, after talking with my husband, I called XXXX at the phone number shown on my recent phone calls : XXXX XXXX MI. I asked what the name of the company was and the NMLS #. A XXXX XXXX said it was XXXX XXXX  XXXX  and hung up when I asked the NMLS #. I called again and they said the company name was Chaos Home Loans. Then I would have to wait for a call back from their loan officer. I left another phone message to call me and have not received an answer.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, LA XXXX
Product: Mortgage

I am in the process of selling my home. This loan obligation was satisfied in XXXX and should have been removed from the title but wasnt so my title company has been working diligently to get a payoff letter of satisfaction from Regions. Their first request was made on XX/XX/XXXX. They were told at that time that it would be 10 days. When they did not receive a payoff within those 10 days they were told transferred around to various departments until they reached the loan department and were told theyd have the Payoff Letter in 24 hours. That was XX/XX/XXXX. By XX/XX/XXXX we still had nothing so I went into the branch and spoke with a Customer Service Representative who has been very kind and working very hard to try and get the Payoff Letter of Satisfaction since XXXX on XX/XX/XXXX. He had to make a request also through the loan department and was told wed have it within 24 hours. It is now XX/XX/XXXX, the day before Im supposed to close and we still dont have the payoff letter!!! This is holding up 2 closings at this point and needs to be brought to a quick resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letters to the 3 beaurs and I have yet to receive any information on the investigation. To my understanding it takes about 30 to 45 days. I am very upset this has cause a hardship. I really need help with get this resolved.
Product: Credit card or prepaid card

I have a synchrony bank card for Care credit. My monthly payments are due the XXXX of every month. 
I paid {$170.00} for my XX/XX/XXXX for the XX/XX/XXXX due date ( amount due was {$30.00} ). I then paid {$50.00} on XX/XX/XXXX for my XX/XX/XXXX payment ( {$30.00} due ). 
I reviews mt on line account and it showed me past due for XX/XX/XXXX and I Was charged a late fee if {$30.00}. I called Synchrony bank and was told both payments were applied to my XXXX bill That was due XX/XX/XXXX. I informed them that the payment was mis-applied. They applied the {$50.00} payment to a already satisfied due Cycle then penalized me for paying earlier by charging me a late payment of {$30.00} for paying before my XX/XX/XXXX due date. 
I feel it unfair business practices and hurts consumers that pay their financial obligations early.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX, : # XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

Early warning LLC. They are housing illegal information! I did not give my consent to be reporting anything off my consumer information! You are creating hardship on my live illegally! I never signed any documents to have my information to be released and transmitted! Remove my information from your data files or Ill be for to take legal actions against you! They are not following the Fair Credit Reporting Act! They did not reply back to my disputes! Can you provide some proof that I gave any consent for sharing my personal information and banking information?
Product: Checking or savings account

XXXX XXXX I. Contacted Navy Federal Credit Union to have my son 's social security funds released. The day before I called as well because the funds have been sitting in pending for a few days but was told to call back at XXXX the XXXX so they can be released. 
I called and the automated message mentioning to release the funds was not there and I wasn't able to release them through the app. When I called I was told by XXXX they can not release my funds because of me having a charge off account..nothing in their brochures mention that and I've never had this issue before. I can understand if it was my money but I don't even have my account with them anymore because of all the bank fees I was charged and them not doing the math correctly on a returned check. That is not my issue though. None of my past with the bank should affect my sons account. The brochure doesn't mention any of the reasons I wave given. I called multiple times and was told he wasn't him and he became upset so I became more involved. His age and my reported issues are not grounds to go against policy. It indicates that funds can be released one day early. The funds have been in pending on this account for well over a week so they have them. The release date is the XXXX and we're trying to get them a day early, like we have always been able to except for today.
Product: Debt collection

On XXXX XXXX I made arrangements with loan Tower Loan Of XXXX XXXX to pay {$110.00} which is 30 days past due and current months payment on XXXX XXXX. I was contacted by a family member and friends XXXX minutes prior to my arrival home from work and advised that a female employee from Tower Loan of XXXX XXXX in white car was looking for me and waiting for me at my residence with an envelope. Upon arrival at my home the female had left and I was given an envelope she had left with a friend. This envelope contained a letter dated XXXX XXXX stating I am " delinquent in amount of {$310.00} which includes late charges and other fees ''. And, that " if I have not made satisfactory arrangements by XXXX XXXX, my account may be referred for legal action, including having a lawsuit being filed against " me. The letter further states, " In order to avoid legal action being taken against you, please contact me IMMEDIATELY. " Sincerely, Tower Loan of XXXX XXXX XXXX by : XXXX, Manager.
Product: Debt collection

XXXX says that I have an old bill that I/O to them. However, at the time they created the bill, I had a XXXX account which is now paid in full and has been and is paid regularly. They turned it over to a credit agency. I finally was forced to file a police report, and I gave them the number. They will not let it go. They still have it on my credit. I have ask them for proof, but all they sent me is the bill. The care company is pinnacle LLC c/o XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following inquiry on my credit report CREDIT PLUS ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The Huntington National Bank processed an auto debit on XX/XX/year> from my checking. The auto debit amount of {$1400.00} was GREATER than the pay off amount of the auto loan. The pay off amount of the auto loan was {$130.00} See photo attached. 

Therefore, Huntington National Bank now owes me a refund of the overpayment amount of {$1300.00} See photo attached of the banking online system.

Huntington National Bank fraudulently overcharged me due to an automated online auto-debit more than the full amount owed on the auto loan.
Product: Money transfer, virtual currency, or money service

Requested a wire transfer to a client in XXXX on XX/XX/2020 in the amount of XXXX USD. The funds were debited from my account, but not received by the client to this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a duplicate credit card account on my credit report. 
It is a XXXX XXXX credit card dated XX/XX/XXXX. I already had a XXXX XXXX account that was opened in XXXX. 

I have contacted TransUnion, XXXX, XXXX, and XXXX to have this XX/XX/XXXX XXXX XXXX account deleted from all of my credit reports. Only XXXX credit bureau has deleted it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account CITICARDS CBNA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CITICARDS CBNA was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and fidentiality under 15 USC Account # XXXX. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c. 1681 section 602a.

States I have the right to privacy.

15 u.s.c. 1681 section 604 ( a ) Section 2.

It also states a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c. 168 ( c ) ( a ) ( 5 ) section states No consumer reporting agency may make Any consumer reports containing any of the following items Information any other advise items of the information other than the records. 
Of the convictions of crimes Which antedates the report of more than 7 years. 
XXXX5 u.s.c. 1681-2 ( a ) ( 1 ) 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 accurate
Product: Credit reporting or other personal consumer reports

The following accounts are violating my rights according to the Fair Credit Reporting Act by illegally re-aging my account, which is unlawful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Receivables Management Systems ( RMS ) have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, RMS should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my wet signature, showing that I have a legally binding contractual obligation to pay RMS the alleged amount.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$96.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX  XX/XX/XXXX XXXX CO XX/XX/XXXX
Product: Checking or savings account

Fraudulent check for {$8400.00} was processed against our checking account at Chase bank. We reported it immediately upon discovering it on XX/XX/XXXX and submitted required written form on XX/XX/XXXX after getting misleading instructions from a bank employee. Upon following up on XX/XX/XXXX were told the claim was still awaiting documentation. We went into bank branch and worked with manager to resend the form from XX/XX/XXXX and verified it was received by the fraud department. We are now being told we will get a credit in 3-5 business day, which exceeds their requirement to give us a temporary credit within 10 business days from the date of the claim. This has had a very negative affect on us financially and we want to be sure they follow through and that their failure to follow the regulations are noted.
Product: Vehicle loan or lease

I have had a loan with this company for just over a year. somehow I get charged fees each month but am unable to see what they're for bc I can not view all my statements online. I can only view the ones when I was enrolled in online statements. I have lost previous statements bc I assumed I could view them. I paid the fees that were up to {$120.00}, bc I assumed I had been late or had a payment returned. the month after I paid those fees, I was showing an additional {$150.00} in unknown fees. I can't talk to a human, they only have an automatic phone. I requested my statements be sent to me and that was XXXX months ago.
Product: Debt collection

CKS Prime XXXX XXXX XXXX XXXXXXXX ) {$1000.00} account # XXXX was opened on XX/XX/year> when I never received service or did business with said company. I have contacted company several times. I requested the collection of account to be paused and investigated as due to identity theft I put a lock on credit provided evidence and requested a response with no reply by creditor or response via certified mail USPS, telephone, and email. They have not given or sent a statement and there are many incorrect address and mispelt of person identified. Please assist as soon as possible to resolve because this is stopping my for getting shelter a home due to my credit collection account. it is hurting me economically.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refused to follow suit with XXXX and XXXX. Both credit bureaus have removed unauthorized inquires and account from credit report due to failure to show proof of debt. I have submitted multiple times to Transunion to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Trasunion it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Transunion failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and inquires XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed from my credit report or send debt validation of these accounts with my signature.
Product: Credit reporting

Transunion has not done the required due diligence in collecting valid notarized documents from collection agency XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information on my credit report. Thus Transunion is guilty and libel of defamation towards me by using fraudulent documents to calculate and negatively impact my FICO credit score. Also when I sent Transunion personal documents to validate my identity and current address, they shared these with XXXX XXXX without my permission and have thus compromised the security of my identity and put my personal well=being at risk.
Product: Debt collection

I received forms from a collection agency called RCB Revenue Collection Bureau , Inc. representing the City of XXXX. The agency did not list an amount owed. It sent forms that would divulge personal and private tax information that they would use to see if I owed any debt. The forms contain a fake letter from the City of XXXX, Department of Revenue. I refuse to give this company any information. I would assume that if this collection agency was working for the City of XXXX that the city would have provided them with my Business tax account number and any debt I may owe. I am currently up to date with my taxes and do not owe anything to the City of XXXX. I want other business owners in the City of XXXX to be aware of this fraud. I would like you to contact this agency and tell them to stop this fraudulent activity. The forms were mailed to my old address not my current address.
Product: Money transfer, virtual currency, or money service

I tried to cash a child support check from the state of West Virginia at my local XXXX. It was declined with no reason as to why and I was n't given a receipt. This was after inputting my social security number and drivers license. I called Certegy, the company that declined it, had to give them all my info, check information and amount. They would not give me a valid reason. I think this is some sort of scam to sell credit information. And from what I read on consumer affairs, thousands of people have had the same issue.
Product: Credit reporting or other personal consumer reports

Thank you CFPB for bringing this awesome evidence to light despite the lies that XXXX  XXXX XXXX was telling consumers who, like me been saying for years ( this is A fraudulent account that magically appeared on my consumer report. I had told XXXX  XXXX XXXX and made them aware of this fraudulent account yet they continue to harm my life by ignoring what i have been barking at XXXX  XXXX XXXX fraud department which i now know is being handled by clerks that were told to ignore any Fraudulent investigation into this credit account. Now I Know why XXXX XXXX XXXX was determine to flex and intimidate me into trying to make me believe that they were investigating this fraud account when they never did. CFPB, this data furnisher is liable Fair credit reporting act ( FCRA ) under section XXXX .Responsibilities of furnishers of information to consumer reporting agencies. a ) Duty of Furnishers of Information to Provide Accurate Information ( XXXX ) 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.