23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I went through a HAMP with my mortgage servicing company in XX/XX/XXXX. The process was long and ended with me calculating my payments and sending that information to my mortgage servicer to draw up the paper work correctly. I should have known then that this company was not equipped to handle my loan. Today is the first time I found out that if a person pays on time they can get an incentive through the HAMP program. I was on the government website and found that information, but my servicing company never disclosed that and they never implemented my incentive in the past 3 years. My escrow account is not adding up. I have gone over the numbers and when I attempted to speak with the servicing company about what I found, I was hung up on. I have not had the time to throughly research the escrow account, but I am almost certain that if one year is wrong, all the years are not calculated correctly. My mortgage payment has continued to climb back up after my HAMP and they say it is because of my homeowners insurance, but I do n't see how it made such a big impact on my monthly payments. I am frustrated because I ca n't seem to find anyone at this mortgage servicing company who can add and explain what they are doing or lack thereof. Today the company took XXXX payments from my checking account, both dated for XXXX/XXXX/XXXX. On Saturday XXXX/XXXX/XXXX I scheduled my XXXX payment for XXXX/XXXX/XXXX. When I checked my bank account yesterday ( XXXX/XXXX/XXXX ) the funds were still there, so I went on the servicer 's website and it changed my requested payment date to XXXX/XXXX/XXXX. I immediately thought maybe I picked the wrong date on Saturday and deleted the payment for XXXX/XXXX/XXXX and scheduled a payment for XXXX/XXXX/XXXX. To my surprise today, two payments were processed and my account was overdrawn. When I spoke with the servicing company they stated that I initiated both payments and it would costs me a fee to have the extra payment reversed ( $ XXXX-check, $ XXXX-wire ). I informed the lady that I picked XXXX but their website changed it to XXXX. She stated that that 's what their system does when a payment is scheduled, it switches to the next month automatically. I asked her why because that is not what I wanted and she again just stated that that is what their system does. She put me on hold and came back minutes later stating they will waive the fee and refund me. It was never my fault. It should have been processed on the date that I requested. I asked about my bank fee and she said I would have to send proof of the fee to get that back. She also said that I can keep both payments in the system and my next payment would be due XXXX/XXXX/XXXX. I informed her that is not an option because my account is overdrawn and also, that payment included a late fee so why would I pay a late fee for XXXX on XXXX XXXX? This company is not professional, they are incompitent and they are not doing anything to benefit the client. They do n't know how to explain any of their actions and numerous times they have gotten frustrated with me and my questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for a loan from XXXX XXXX  XXXX XXXX CO was denied because Sagestream , LLC reported to them that I was DECEASED!! This was sometime the end of XX/XX/2020. I have received a letter from XXXX dated XX/XX/XXXX informing me that I am deceased. I sincerely would like this corrected! 

NOTE : I have today, XX/XX/2020, received my credit score from XXXX. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I never owed {$420.00} to XXXX XXXX XXXX, but paid the " debt '' anyway because they threatened to send it to collections. I paid the debt in XXXX of XXXX. My credit report shows the collection account was opened in XX/XX/XXXX, a full year AFTER I paid the debt. Not only is he date of the collection incorrect, this debt is too old to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reports have been falsely reported. Consumer report has been shared without permission, Debt verification has been falsely produced ( i.e no original promissary note with live signature, no original instrument of indebtedness ). FCRA law has been violated as consumers can not owe a debt, Pursuant to hjr 192 one can not demand any certain form of currency that would like to receive if it is dollar for dollar. 

Company : XXXX XXXX XXXX XXXX allegedly owed : XXXX Reports that have been falsely reported on : XXXX, Experian, XXXX
Product: Vehicle loan or lease

I took a loan for my XXXX model y, XXXX from US Bank. The loan was paid off on XX/XX/XXXX. 
US bank took ten days to process the loan payoff and issued a title release to the department of motor vehicles in the state of Nevada. However instead of releasing the title to the owner of the car ( XXXX XXXX ), they issued the title to themselves. 
The title was shipped from XXXX on XX/XX/XXXX to a XXXX XXXX XXXX Ohio which belongs to US bank. 

We have called US bank multiple times to address this issue and have not gotten a clear response. Someone from their end has made a mistake and now they are refusing to acknowledge that they have the title. 

Nevada XXXX issues titles only once a month and it's not easy for us as owners to request a new title and XXXX has indicated that we may have to wait until XXXX next year to get a new title due to the current backlog. 

I took a deposit for my car and needed to sell it and because US bank is refusing to return our title, the sellers are backing out. The value of used cars have since depreciated significantly. 
US Bank hasn't shown urgency in this matter and have given us quite the run for our title and money. 

On multiple calls with US bank, I have received different information from them. Their records are not up-to-date and the customer representatives lie to us about when the lien was actually released to the XXXX. They say that lien was released recently on XX/XX/XXXX when I have proof from US bank that lien was released on XX/XX/XXXX. I have attached the copy to this complaint. They even refuse to acknowledge it and say that it's impossible for them to receive the title. US bank has failed to investigate this issue on their end and put accusations on XXXX and us. 
XXXX on the hand has confirmed multiple times that US bank identified the XXXX XXXX XXXX Ohio as the address for sending the title and not the owners. 

We want our title ASAP and US bank should pay the difference of the money we would be losing on our car since they have held on to our title for so long. I am expecting around {$8000.00}. 
Kindly address this issue and respond ASAP. Our next step would be to send a demand letter and a formally file a suit and complaint against US bank.
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 confidentiality under 15 USC 1681. 

They have violated my rights. 

Account name : # XXXX  Acct XXXX XXXX Account name : # XXXX  Acct # XXXX Account name XXXX XXXX XXXX Acct # XXXX Account name : # XXXX XXXX XXXXr Acct # XXXX Account name : # XXXX  Acct # XXXX Account name : # XXXX Acct # XXXX Account name : # XXXX XXXX  XXXX Acct # XXXX Account name : XXXX XXXX XXXX. 
Acct # XXXX Account name : XXXX XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct # XXXX Account name XXXX XXXX XXXX Acct # XXXX Account name XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX Acct XXXX XXXX Account name : XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2015, I ended my lease early from Nissan Motor acceptance Corp and as part of the deal to get us into another Nissan, the XXXX XXXX agreed to absorb the payments. Upon purchase of the new Nissan I didnt not receive a bill or call from the company. 
I recently applied for a mortgage learning that this bill is on my credit report as derogatory and I am unable to get a mortgage. I called Nissan and they were able to produce the attached bill but said they were unable to accept payment because the debt was so old and they didnt see an open account to apply a payment to. They did an investigation and determined they wont accept a payment or remove it from my report. 
Nissan motor acceptance Corp told me that this particular dealership had many customers fall victim to this. 
Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, my discovery revealed Experian, XXXX XXXX, XXXX, and XXXX XXXX breached my trust selling personal, sensitive, and credit information to foreign entities damaging my history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. As 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. Per US Code 1028 ( a ) information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. Identity thieves exploited a security weakness in the website of Experian. Experian requires that those seeking a copy of their credit report successfully answer several multiple choice questions about their financial history. But until the end of 2022, Experians website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was the persons name, address, birthday and Social Security number.
Product: Debt collection

These accounts with your company have been reported to my credit report fraudulently .... I have been dealing with issues of identity theft where someone has been using other people addresses to open fraudulent accounts these accounts that I recently discovered are on my credit file and need to be removed asap from an XXXX  XXXX XXXX. I got their information the first of XX/XX/2018 and have been mailing them advising them of this issue and they have not responded or removed this fake accounts and they are out of compliance and continue to report information that they know not to be correct
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX XXXX Account # : XXXX Inaccuracies : 1. " Date Opened '' Issue : o Date Opened : XX/XX/XXXX. 
o This date is in the future, which is impossible and indicates an error. 
XXXX. " Last Reported '' Date : o Last Reported : XX/XX/XXXX. 
o Again, this is a future date and violates reporting accuracy standards under the FCRA. 
XXXX. Account Type - Detail : o The " Account Type - Detail '' field is reported as Collection, but the original creditor ( XXXX XXXX XXXX ) must be verified. Inconsistent reporting of " placed for collection '' may require proof of assignment. 
XXXX. Balance and High Credit Conflict : o Balance : {$150.00} o High Credit : {$130.00} o The balance can not exceed the high credit amount, indicating a discrepancy. 
XXXX. Date of Last Payment Missing : o There is no information on the Date of Last Payment, which is required for collections. 
XXXX. Payment Status ( Ambiguous ) : o Listed as " Collection/Chargeoff ''. The creditor must clarify whether the account is currently being collected or officially charged off. 
XXXX. Payment History : o The Two-Year Payment History grid is completely blank and does not provide the expected monthly reporting information. 




XXXX  XXXX Account # : XXXX Inaccuracies : XXXX. Future Reporting Dates : o TransUnion Last Reported : XX/XX/XXXX o XXXX Last Reported : XX/XX/XXXX o Reporting future dates violates the FCRA 's accuracy and timeliness rules. 
XXXX. Balance Inconsistency : o The account balance is reported as {$700.00}, but the Credit Limit is {$500.00}. 
o A balance can not exceed the credit limit without proper verification, indicating a reporting error. 
XXXX. Comments Conflict : o TransUnion : " Dispute resolved ; reported by grantor. '' o XXXX : " Unpaid balance reported as a loss by the credit grantor. '' o XXXX : " Accounts closed by credit grantor. '' o The comments are inconsistent across the bureaus, suggesting unreliable reporting. 
XXXX. Date Discrepancies : o Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX o These dates should align if the account activity is accurate. 
XXXX. Two-Year Payment History : o TransUnion and XXXX show XXXX CO '' ( Charge Off ) for multiple months. 
o XXXX indicates " OK '' status after some " CO '' entries, which conflicts with the derogatory status. 
XXXX. Account Type/Status : o Listed as Revolving Credit Card but simultaneously flagged as Collection/Chargeoff. 
o Accounts can not be both " revolving '' and charged off without further clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX XXXX Account # XXXX 15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!

Resolution ( Delete listed accounts )
Product: Credit reporting or other personal consumer reports

Experian has allowed XXXX to report buy now pay later accounts to my credit report. After disputing the accounts multiple times they refuse to remove them even know these types of accounts are not suppose to be reported to the credit bureaus. XXXX has also refused to remove the accounts as well despite it going against the credit reporting rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect personal information on my credit report and old addresses. Can you remove all personal information and addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX Balance Owed : {$1300.00}
Product: Debt collection

I am writing to express my extreme dissatisfaction and frustration regarding the failure of compliance with the removal of a fraudulent account from my credit report. XXXX and XXXX have already removed this account, identifying an error. I demand immediate removal of this erroneous entry from my report. 
XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I NOTICED THAT THIS COMPANY MAY NOT BE IN COMPLIANCE WITH THE TRUTH AND LENDING ACT AND REGULATION Z OF THE FEDERAL RESERVE BOARD. I SENT THEM DOCUMENTS ABOUT THE PRICE THERE CLAIMING I OWE IS INACCURATE. I ASKED THEM TO PROVIDE THE APPROPRIATE ACCOUNTING RECORDS ACCORDING TO GAP. THIS COMPANY HAS FAILED TO PROVIDE THE DOCUMENTS REQUESTED. THEY HAVE BEEN THREATENING ME WITH HARASSING PHONE CALLS, THEY HAVE SENT OUT TOW VEHICLES TO REPOSSESS MY TRUCK. I HAVE BEEN RECEIVING HARASSING EMAILS AND LETTERS IN THE MAIL. THEY ARE CLAIMING I OWE {$20000.00} WHICH IS IMPOSSIBLE BECAUSE I GAVE THEM A DOWN PAYMENT OF {$10000.00} IN CASH.
Product: Mortgage

Property theft exceeding {$130000.00} by XXXX XXXX XXXX, attorney of USBANK CORP Was done in retaliation for reporting his crimes of perjury in the quit claim hearing. 

This was Against the knowledge and intent of the Lien Property theft exceeding {$130000.00} by XXXX XXXX XXXX, attorney of USBANK CORP Requesting UNITED STATES MARSHAL PROTECTION for my wife XXXX and Myself from the racketeering debt collectors and thugs
Product: Money transfer, virtual currency, or money service

I have written to you before about Paypal 's deliberate withholding funds generated by XXXX sales, claiming assurances to provide to buyers and securities if postal services fail. YOU HAD FAILED TO RESOLVE THE PREVIOUS PROBLEMS AND CLOSED THE CASE WITH A {$2500.00} FINE WHJICH PAYPAL HAD NEVER PAID!!!! 
Now they claim another reason of holding my funds eventhough buyer had received the purchased items, and the postal service succeeded to deliver the goods. 
THE NEGLIGENCE OF PREVIOUS FEDERAL EMPLOYEE DID NOT RESOLVE THE PREVIOUSLY STATED PROBLEM AND THIS COMPANY LOUGHING BEHIND AN INCOMPETENT, USELESS FEDERAL PROCESS!! 
Behind this second complaint, I am turning to my senators for assistance and scrutiny of the previous employee and this organization! 

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

Tried calling and was hung up on, then calling back and always on hold waiting. Capital one # XXXX XXXX I did not inquire for anything or anyone to Capital one. Hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX account showing on my Transunion credit report. This account has a first delinquency date of XX/XX/2016 THis account was removed from my credit report and is now showing on my credit report again. this account needs to be removed immediately balance showing on Credit report is {$6500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX are incorrectly reporting fraudulent accounts on my consumer report. It's been beyond 30 days and they've still yet to rectify the information. I've disputed these claims and I'm seeking litigation for the blatant disrespect and disregard for my credit wellness.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

NCRA has reported to my credit report that I owe them money. People have tried to use my identity before, this is not my account.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my transunion credit report:1.XXXX XXXX  XXXX Account Number:XXXX , Opened XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate info and unknown things being on my credit report to XXXX, XXXX, Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored
Product: Debt collection

Told once the was told once that was paid that the information would be removed from my credit report.
Product: Credit reporting or other personal consumer reports

The following hard inquiry is fraudulent and do not belong to me, therefore, it needs to be removed : XXXXXX/XX/XXXXXXXX/XXXX/2025
Product: Credit reporting or other personal consumer reports

I disputed a derogatory charge on my credit showing a {$10.00} delinquent payment on my XXXX XXXX. I reported this as fraudulent. They came back and called it valid and will not update my credit report. It's damaging to me as a consumer as it has hurt my credit store, and it's akin to a junk fee in the low amount. To have my credit score suffer for an inaccurately reported {$10.00} late payment is unfair. I even paid the {$10.00} to try to get rid of the negative data on my credit. I don't care about the money, but my score is now suffering over this fraudulent {$10.00} delinquency report.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statues of Limitations. You failed to investigated this account properly and your neglect has violated my rights. I am demanding a deletion of the following account immediately : 1.Account name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

on XX/XX/2018 I was with my wife at XXXX ( XXXX XXXX XXXX XXXX XXXX IL. XXXX and I spent {$33.00} and then we went to XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX  IL XXXX   and I spent XXXX  with my debit card and then we went to Home depot at XXXX XXXX XXXX XXXX XXXX IL. XXXX and I spent XXXX. I then checked my account and notice that someone used an atm at Citibank at XXXX XXXX XXXX XXXX and withdrew two cash withdrawal from my account for {$500.00} and {$300.00} at XXXX. I filed a police report and notified the Citibank at XXXX that day. Citibank sent me a notice that because they used my account and pin number the charges were mind. I explained to them that I cant be on the west side  of XXXX  using my debit card and pin and also downtown using the same card. Please can you help me