23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I attempted to refinance with my existing mortgage company Nations Direct Mortgage and they were not able to meet or beat the rate I was able to get through another lender. I received a refund from Nations Direct XX/XX/XXXX and deposited the refund check on Saturday, XX/XX/XXXX which was the weekend close to the checks expiration. As with most people, I've remained home not traveling outside the home except for necessities due to Covid 19. XXXX XXXX XXXX XXXX XXXX returned my refund check because it expired before the next business day. I contacted Nations Direct and explained the issue and requested a replacement check from my them XX/XX/XXXX and was told a refund check would be processed. Since the initial communication, I've contacted this company 3 or 4 times each time the time required to have a check reissued has changed from 2 weeks, 30 days, 45 days. My mortgage is late on the XXXX day and if mortgage payments had not been paid within the timeframe I've been waiting for a check to be reissued, foreclosure proceedings would have been initiated.
Product: Mortgage

Mortgage loan was transferred to Selene Finance ( http : //www.selenefinance.com/ ) on XX/XX/XXXX according to XXXX phone representative. My mortgage is escrowed for Taxes and Insurance. My Insurance was due on XX/XX/XXXX. They never paid my insurance. They then began to charge me for lender placed insurance and pay for this through my escrow account, even though I had a policy that was due to be paid by them. 

Since being transferred to them, they claim they have mailed me multiple items, I have never received a single piece of mail from them but I have confirmed my mailing address multiple times. The only reason I knew it was transferred is because I work in the XXXX and noticed my payment didn't come out. I was able to use my industry knowledge to figure this out on XX/XX/XXXX. Others might not be so lucky and understand mortgages the way I do. I have never received any mail, phone or email confirmation that my mortgage was transferred or that my insurance was lapsed. 

I have reached out to them and requested a manager call me back 3 times, I have had no luck. I have been living in a Condo with Hundreds of other units, completely unprotected, for 2 months without insurance without knowing about it. I only discovered the problem when my insurance company mailed me a letter that I received on XX/XX/XXXX. 

Additionally, I have tried to set up auto pay twice and have had no luck. They say they will mail me a form, but I coincidentally am only not getting their mail SEVEN TIMES. So I don't think I will get this form either. Other lenders have had no issue getting mail to me. 

Since typing this complaint, I have been on hold for over 30 minutes waiting for a " Manager to respond ''. This was after I was told they were at lunch and would call me back after they return. It is now XXXX, with no call returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the unauthorized inquiries from my credit report Ive tried reaching out to the companies with multiple letters and phone calls. I did not authorize these inquiries please delete 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I wrote a dispute letter to Experian questioning the accuracy of a XXXX on my credit report. I also attached a letter from the XXXX XXXX as well as a letter from XXXX XXXX. XXXX XXXX I received my credit report stating the XXXX  was verified. XXXX XXXX I sent a letter to Experian asking them to reinvestigate as well as XXXX of XXXX. On XXXX XXXX I received a update credit report stating that the information was accurate. They failed to provided the XXXX of XXXX. 

All documents supporting this matter are attached in order.
Product: Debt collection

On XX/XX/XXXX I sent a dispute letter to Equifax mentioning this unknown medical collection that does not have an account name being reported to Equifax nor does it have any contact information to obtain further information surrounding this debt.

I received a response stating that this account was verified however no additional information has been updated.

My most recent report available via my credit monitoring with XXXX dated XX/XX/2018 still does not reflect any contact information or account info pertaining to this account.

Under the FCRA any information that is incomplete, unverifiable or inaccurate should not be reporting.

This collection account that I have no additional knowledge or information is seriously hindering my credit score with Equifax as it is a serious derogatory information.

Furthermore, this is only reporting on this single credit reporting agency.

I will be sending out an additional dispute letter this week to Equifax further challenging the incomplete and missing information surrounding this one account.
Product: Credit reporting or other personal consumer reports

Fraud items appearing on my credit report. XXXX and XXXX has done their job and removed the fraud items, but Experian still is reporting 1 fraud item that needs immediate attention of resolve. Pursuant to FCRA 605B Law - Fraud info is to be blocked within four business days of receipt. I have sent all necessary documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX and XXXX I worked for a company named XXXX where a company trying to collect a payday loan from me was relentlessly calling my job, harassing me for payment, to the point that co-workers were answering my phone stating I no longer worked for the company, but the calls did not cease and eventually I lost my job at this company, as this was a personal matter. The callers had distinct voices and were calling me from really long telephone numbers as though they were calling for XXXX. The stated a Sheriff was coming to my work place to arrest me. That I would go to jail and loose my job. Demanded I fill out a form allowing them to deduct money from my bank account to repay the debt, basically scare tactics. Finally I was feed up and called the XXXX XXXX State Attorney Generals office to inquire about my rights in this matter. I was informed to not pay them a dime and that if they did try to sue me in court the case would be dismissed. In XXXX I moved to XXXX XXXX, but at the time of this " supposed loan '' I lived at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, therefore the laws would apply to that time period. Furthermore, this is a stale debt as it is move then 10 years old. I'm a XX/XX/XXXX survivor and have XXXX  and XXXX and don't appreciate the tone of this letter that is very intimidating.
Product: Debt collection

Hello, AArgon collection is reporting that i owed {$680.00} on bureaus. I sent validation letter on XX/XX/XXXX to the address on file ( XXXX XXXX XXXX, XXXX XXXX, NV XXXX ). The letter came return. I concluded that they are reporting wrong address on my report so it need to be deleted. 

After doing some researches on XXXX, I found a new address ( XXXX XXXX   XXXX XXXX, XXXX XXXX, NV XXXX ). I send them a second letter on XX/XX/XXXX ( received XX/XX/XXXX ). I got a response sent to me onXX/XX/XXXX and I got it on XX/XX/XXXX.They failed to validate the debt, they did not send me a contract with my signature stating that I have an obligation to pay Aargon Agency XXXX 

I sent a 3rd letter on XX/XX/XXXX, they letter was received on XX/XX/XXXX. I request a validation of the debt again or simply Deletion of the derogatory item. On my report the account is now showing " closed '' instead of a deletion. I am requesting this item to be removed from my report for no validation. 

Also the amount report on my credit report is {$680.00}, in the letter the send me the amount $ mentioned is XXXX. This is an inaccuracy and is wrong reposting on my report. I am requesting a deletion of this item.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to XXXX XXXX XXXX to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND XXXX XXXX XXXX to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND XXXX XXXX XXXX to delete this account/item within XXXX business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND XXXX XXXX XXXX  to delete this account/item within XXXX business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND XXXX XXXX XXXX to delete this account/item within XXXX business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND XXXX XXXX XXXX to delete this account/item within XXXX business days ( Exhibits provided ) XXXX XXXX XXXX duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX Balance {$20000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance {$150.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$330.00} Date opened XX/XX/XXXX XXXX XXXX Balance {$4.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$540.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$930.00} Date opened XX/XX/XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX Balance {$6400.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} Date opened XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : XXXX  Date Opened : XX/XX/year> XXXX Balance Owed : {$11000.00}. Please send me the name and addresses of persons contacted for each ordinance found in the FCRA. If this information can not be equipped to satisfy me, update the account and maintain your help in attempting to resolve the current issue.
Product: Credit reporting or other personal consumer reports

My Information was sold and brought illegally because I was a victim of the Equifax Data Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has done nothing. Please help me delete these Illegal Accounts from my credit reports. Account names and account numbers and file Your complaint with the CFPB. 
Complaint number XXXX
Product: Checking or savings account

It is XXXX XXXX thing after another with the bank. Customer service has XXXX XXXX  since they bought out Suntrust. I now have a negative {$50.00} balance because of a XXXX with the bank and a merchant. On XX/XX/XXXX I paid for a grocery delivery from XXXX but never got the food because the XXXX making the delivery went to the wrong place. I got a refund from XXXX for {$52.00} on XX/XX/XXXX. Then somehow magically I get charged {$52.00} AGAIN by XXXX on XX/XX/XXXX and it overdraws the account. I call XXXX and they tell me they issued the refund and don't know what is going on. I call Truist and spend half my XXXX life on the phone and they do nothing about it. Makes me want to pull my hair and teeth out while chewing on my sinews I am SO XXXX SICK of having to fight over things over and over and over with them. Who the XXXX is charging me the {$52.00}!! No one seems to know!
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I signed an agreement for a Tittle loan from a company by the name of Embassy Loans , Inc. I was never informed that if I can prove that I had insurance coverage for six month from the starting date of the lein, they would never charge me in addition the Amount Paid for Voluntary Debt Cancellation Waiver which was XXXX charged on top of the amount I borrowed XXXX ... once I found out I was wrongly charged for not having insurance coverage for 6 months, I called them on XX/XX/18 to demand an explanation .... I had already made 4 payments of XXXX not knowing that I could have faxed them proof that I did have insurance coverage for 6 months on my car. They are also shubbing 28 % interest rate on this loan which is unheard of ... they scammed me into paying more then I got out of this loan ... I need help, I shouldn't have to pay them if they didn't inform me of the 6 month insurance coverage, they deceived me ...
Product: Student loan

They will not assist me in retrieving my loan payment history since the loan was created or the original promissory note. They will not lower the interest rate of 13.75 % or negotiate payment amount.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX All above companies are reporting that I have a delinquent account that is active that was closed years ago. XXXX XXXX is stating I have an outstanding balance with them.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX 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 dispute accounts, as XXXX 's inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a child support account opened at XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, personal loan account opened XXXX XXXX opened on XX/XX/XXXX under account number XXXX. These hard inquiries XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 # XXXX as proof from the XXXX 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, credit repair services, or other personal consumer reports

I previously submitted complaint # XXXX for this company that is reporting info that is damaging to my credit. They have refused to remove their reporting. I have since found that they are reporting discrepancies on my credit report. Incorrect Reporting of account status : Closed account reported as open, Incorrect date of last payment, date opened, & date of first delinquency. The incorrect dates falsely manipulates the statute of limitations. 

I am demanding a deletion of the account from my credit report.
Product: Debt collection

Hunter Warfield called me a few months ago regarding an apartment i had taken my name off of they told me there were trying to collect the dept from Villages of XXXX in Ohio. I told them my name was supposed to be taken off the apartment so I'm not liable for the dept. They continued to call me 3-7 times a day for almost a month. I told them to stop contacting me they proceeded to send me emails trying to collect the dept. the newest email they sent i noticed they were trying to collect interest on the dept but when i logged into the actual apartment complex payment site they are not asking for interest. i contacted Hunter Warfield to inform them my name was supposed to have been taken off the apartment i had paperwork to prove it and they were also trying to collect the wrong amount. The person i spoke to at hunter Warfield pretty much told me they can collect the interest even know the apartment complex is not asking for interest. I again Told them to stop contacting me they since called 4 times ( in 2 days ) and have threatened legal action of a lawsuit.
Product: Mortgage

This is my 2nd complaint about our loan servicer. We received a XXXX XXXX XXXX  XX/XX/XXXX so I contacted cardinal, they transferred me to loss mitigation and the rep advised me to allow 30-45 days. A mere HOURS later I get an email stating our case is closed so we call and they tell us that we were denied due to government entity ineligible, but no one could tell us what that means. After several holds and conflicting information in our account notes, the rep comes back to tell us that our only options are short sale, deed in lieu or reinstating by making an over XXXX XXXXXXXX balloon payment. This is the second time in weeks that after I call, were denied. She also said because we didnt appeal after the XX/XX/XXXX letter that we were told to disregard because it was an error, that we can no longer appeal either. AND SHE READ THE NOTES INDICATING THAT TO XXXX! But now its our fault. We only restarted this process because after the 2nd trial payment of our mod that we NEVER received paperwork for, even after 20+ calls probably, we were told we had to reapply because our documents expired. Now they refused to help us. We were in Covid forbearance and have been doing everything in our power just to get that deferred to the end, like we were originally told would happen but they are now refusing to offer any assistance and state we dont have the income but we are still making our payments! Cardinal financialXXXX is failing us!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing this complaint against the Credit reporting agencies due to their violations of the Fair Credit Reporting Act ( FCRA ) and the resulting harm to my credit. Specifically, Experian, Transunion and Equifax has failed to comply with their legal obligations under the FCRA, including but not limited to the following : 1. **Failure to Ensure Maximum Possible Accuracy ( 1681e ( b ) ) : ** Experian has reported inaccurate or outdated information on my credit report, which they are required to ensure is accurate and reflective of current data. This has directly harmed my credit score and financial standing.

2. **Failure to Conduct a Reasonable Investigation of Disputes ( 1681i ( a ) ) : ** I have submitted 2 disputes regarding the inaccuracies on my credit report. However, Experian, Transunion and Equifax failed to conduct a reasonable investigation or correct the errors within the 30-day time frame required by the FCRA.

3. **Failure to Provide Notice of Dispute Results ( 1681i ( a ) ( 6 ) ) : ** Despite filing disputes, I did not receive adequate notification of the results of their investigations or the basis for their decisions, as required by law.

4. **Failure to Address Data Furnishers ' Noncompliance ( 1681s-2 ( b ) ) : ** They have continued to report erroneous information supplied by data furnishers, even after being notified of its inaccuracy. They have an obligation to ensure data furnishers comply with the FCRA.

These violations have caused significant financial harm, including e.g. a substantial drop in my credit score, denial of credit applications, difficulty securing housing and employment. I believe these actions are systemic and reflective of CRA 'S broader disregard for consumer rights, as evidenced by the recent CFPB lawsuit addressing similar misconduct.

I respectfully request the CFPB to investigate the violations of the FCRA and take appropriate enforcement action to ensure compliance with consumer protection laws. Enclosed, I am providing the following supporting documents to substantiate my claims : - Copies of my credit report showing inaccuracies - Dispute correspondence with Experian, including dates and outcomes - Additional documentation reflecting the negative consequences of their reporting practices Thank you for your attention to this matter.
Product: Checking or savings account

I tried to deposit a check from another bank into this bank and they suspected it as being fraud. They have been holding my check for months even after I provided several documents proving the funds belonged to me