23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been on forbearance for a loan on a rental property in Hawaii. I received both calls and letters asking if I wanted to extend the forbearance, apply for deferral or pay the amount in forbearance in full. I let Loan Depot know I would not extend the forbearance and wanted to pay the deferred amount in full. I wanted to make the full amount owed in one payment but was told the amount was too large to pay all at once, it would have to be split into 3 equal sums and paid on three different days. After establishing the payment plan I received a call from collections and we went over the payment structure in full and I was advised by the collections rep at that time that once those three payments were received the account would be brought current through the XX/XX/2021 payment with everything account for to the penny. I follow up with the bank around XX/XX/2021 and am told the money was misapplied but the problem would be immediately rectified. I call back on XX/XX/2021 and the rep initially tells me I owe $ XXXX. I let him know he's not right. He looks over the account and then tells me I owe {$2200.00}. I let him know that's not right either. He states monies are misapplied and he can't determine how to get the dollars to match. He then states he's having system issues and can no longer help me, that I would need to call back. I stated I needed him to get someone to fix the problem and call me back. He said he would ask if that could be done but wasn't sure. So, Loan Depot has all of the money to bring the account current, has misapplied the monies, and refuses to remedy the problem in a quick and efficient manner. I have now started receiving default letters from Loan Depot and consider this harassment since they have all the monies needed to bring the account current.
Product: Debt collection

Onemain Finacial has sold my debt to another according to fcra i shall not be liable
Product: Checking or savings account

Long story short : My sister initially opened an account for me at Navy Federal XX/XX/XXXX. I was told told that the teller that my sister can depsit my check into her account and she can send it to my account because they said my REAL ID from the USVI was not good enough and that I needed a FL ID. I got my FL ID then they needed to verify my social. I verified my social over 9 times ( SSA-89 form ) and Navy Federal still refuse to give me my deposited stimulus check after they closed my account in XX/XX/XXXX for whatever reason. They told me to come in person to get my money to no avail even after the manager told me that everything will be fixed that time. He even called me to come back to the bank to sign another paper that he forgot to give me to still no success there. I spoke to customer service several times and no help there. I even called the social security administration and they said my file is not flagged and there are no issues and still I'm not able to even get answers as to why I am having such a hard time REopening my account and getting my money back. I am not sure if when my sister opened the account she made an error with my social ( this is my only guess left ) but they would not tell me anything. My name is unique and they can still verify my Identity so why won't they release my funds. Lastly, my account is closed and I unable to access my money, but I still get my bank statements!
Product: Credit reporting or other personal consumer reports

Dear Consumer Reporting Agency, I am writing to request that you update my personal information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the privacy rights of consumers. 

I hereby request that all personal identifiable information be deleted from my credit report, except for the information regarding XXXX XXXX. Specifically, I request that the following information be deleted : All addresses, except for my current address : XXXX XXXX XXXX, XXXX, IL XXXX, as I can not receive mail or any correspondence at any other address. 
All phone numbers, except for my current phone number ( xxx-xxx-xxxx ). 
My social security number and date of birth ( XXXX ), for privacy reasons. 
Additionally, please delete all information in the employer section. 
My only remaining contact details should be my name ( XXXX XXXX ), address ( as mentioned above ), date of birth ( XXXX ), and my email ( XXXX ). 

As a federally protected consumer, I have a right to privacy and expect that my rights under the Fair Credit Reporting Act be respected. Failure to grant my request would be in direct violation of 15 USC 1681 and its subsections. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I am writing to dispute a charge of {$85.00} ; I ordered XXXX items of cloth In XXXX XXXX on XX/XX/2023, I received storage bags instead of my items that I ordered on XX/XX/2023 at XXXX. 

On XX/XX/2023 at XXXX, I requested a refund, providing the photos of the shipping label and pictures of each item they sent me instead of the XXXX items I ordered. Later on it was denied. I tried again on XX/XX/2023 at XXXX, it was denied as well. 

On XX/XX/XXXX at XXXX afternoon, I called XXXX XXXX XXXX to report that problem. 
On XX/XX/2023 I received a provisional credit Claim-Ref # XXXX for that amount {$85.00} On XX/XX/2023 I received a letter informing me that they closed the case because they did not received the information from me that they requested. I never received any letter requesting any information. 
On XX/XX/2023 XXXX Bank deducted the provisional credit Ref # XXXX On Wednesday, XX/XX/XXXX at XXXXXXXX XXXX I called XXXXXXXX XXXX to Dispute Dept. to re-open the case and a supervisor said I need to send all the proof by email at XXXX ; I sent the email twice on Friday XX/XX/2023 at XXXX and XXXX XXXX On Friday XX/XX/XXXX at XXXX I called again to XXXX XXXX XXXX XXXXXXXX XXXX. to let them know I sent the email with details and pictures attached the representative told me they need XXXX hours to review my case and they will contact me on Tuesday XXXX XXXX they never contacted me. 
Today Friday XX/XX/XXXX. at XXXXXXXX XXXX I called XXXX XXXX Claim again because I had not received any call or email from them about my claim. XXXX XXXX and XXXX XXXX XXXX are not solving this case properly as both companies should. 
. 
I will return the wrong items, 'the storage bags ' as soon as I receive the label and I want my money back. 

Sincerely,
Product: Credit card or prepaid card

I had a XXXX 's credit card ( from XXXX XXXX XXXX XXXX  ), which had a credit balance of {$21.00}, and the company/bank sent me a refund check for the same amount in XX/XX/2018. Unfortunately, I misplaced the check. 

In XX/XX/2018, I received a letter from the bank saying that the check has been cancelled as it has not been encashed, and I should call them to confirm my address so that they could send a replacement check. I did that, and they said that they will have to investigate ( not sure why? ), which would take 1 - 2 billing cycles. 

Two months passed, and instead of receiving a replacement check, I received a similar letter again, saying the exact same thing, in XX/XX/2018. I called them back, and they again asked for 1-2 billing cycles. 

Since then, I have chatted with them online two times, and each time they say that it will take 1 billing cycle to resolve the issue. The amount remains unpaid to me to this date. 

Note : Fed up with their bad customer service, I have closed the credit card with them.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

Chase Auto Finance ( CAF ) is either unable or unwilling to provide accurate consistent documents and most importantly a reliable final bill. After several calls and letters, I still do not know what my outstanding charges are or if I 've received credit for all of my payments. They do not reply with any explanation. Instead, their replies are simply copies of documents already provided. In addition, during XXXX, XXXX and XXXX of 2016, CAF continued to collect lease payments even though the lease had matured in XXXX of 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

when i was in jail someone stole my identity and opened accounts using my social i made an ftc report and an identity theft affidavit from police and showed my jail release form and they still refuse to delete it
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I reviewed my credit report to verify my credit information about my most recent claims to update the accounts that were reported late. Back in XXXX, I sent a letters to XXXX, Equifax, XXXX asking them to investigate these accounts listed below : -XXXX  Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX On XX/XX/XXXX , I sent certified mail letters requesting they re-investigate these accounts. I received their results saying everything is complete and accurate. I looked at my report and saw nothing had changed. 

As required by 15 USC 1681 subsection ( I ), they are supposed to update, modify, or delete these accounts, and as required by 15 USC 1681 E B, they must ensure maximum accuracy. When a person knows or has reasonable grounds to believe that the information about a consumer is inaccurate, they shall not furnish that information to a consumer reported agency.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

Under 15 USC 1681 subsection ( g ), credit agencies are required to obtain and verify information from reliable sources when updating consumer accounts. While the specific instructions given are not in line with legal requirements, credit agencies must ensure the accuracy of information through methods such as reviewing public records, conducting their own investigations, and receiving written instructions from consumers if necessary. 

Providing written instructions to credit agencies is crucial because it ensures clear and accurate information is recorded.It ensures that the credit agencies understand the exact accounts and information that needs to be updated or deleted, and it provides them with written documentation that can be used to verify that the instructions were given accurately.Written instructions also provide a record that can be used for future inquiries or disputes, ensuring that the consumer 's request is correctly processed. 
They lied on an official document by saying they reinvestigated, but they did not. The three credit agencies failed to reinvestigate the accounts listed above.
Product: Credit reporting or other personal consumer reports

XX/XX/year> and XX/XX/year>. No action was taken and company did not provide proof of debt. Only keeps coming back as verified and this company displays different information from other reporting agencies. They will not provide me proof under the Fair Act Law.
Product: Credit reporting or other personal consumer reports

The following should be removed from my credit report please. 

XXXX XXXX- do not recognize at all. I want Repositories to remove this and the so-called 'inquires ' are inaccurate.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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Consumer Loan

Paid off my auto loan in full i have a letter submitted it to the original sender XXXX. However it is not being shown on my credit report i would like some assistance removing this remark.
Product: Credit reporting or other personal consumer reports

Was looking to get a credit card and came across these inquiries and names that I had no clue about.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with XXXX, Experian, and XXXX for their failure to remove old, outdated, and incorrect information from my credit reports despite my repeated requests. I have sent multiple letters to each of these credit reporting agencies, clearly outlining the errors in my personal information and providing the correct details, but they have not responded or taken any action to rectify the situation. 

The inaccurate information on my credit reports includes false employers and phone numbers that do not belong to me. These errors could have serious consequences if they are not corrected promptly, as they may impact my ability to secure employment or financial services. I have attached copies of my Driver 's License, Social Security Card, and Pay Stub to verify my identity and facilitate the correction process. 

It is crucial that XXXX, Experian, and XXXX adhere to the Fair Credit Reporting Act ( FCRA ) and ensure that the information they report is accurate and up to date. By failing to address these inaccuracies, they are violating my rights under the FCRA and causing me unnecessary distress and potential harm. 

I urge XXXX, Experian, and XXXX to take immediate action to remove the incorrect information from my credit reports and provide me with updated and accurate reports. I expect a prompt response and resolution to this matter to avoid any further escalation of this issue.
Product: Mortgage

The parties entered into a HAMP permanent loan modification agreement onXX/XX/XXXX, which expressly provided that the modified principal balance included all amounts, including escrows, that were past due. The loan documents confirm that any past due real estate taxes would be added to the mortgage loan balance. For reasons the servicer refuses to explain, theXX/XX/XXXX real estate taxes where not paid until XX/XX/XXXX The servicers untimely payment of the real estate taxes breached the terms of the loan modification agreement which required that all past due amounts be capitalized. This also caused an escrow shortage which caused my mortgage payment to rise to an unaffordable level. <P/>In an attempt to resolve this matter, the parties have engaged in extensive written correspondence as follows XX/XX/XXXX ( borrower )XX/XX/XXXX ( lender ) XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender )XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender ) XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender ) XX/XX/XXXX( borrower ) A copy of the correspondence is being uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

as I have previously notified equifax, that i am a victim of identity theft, there are things showing on my credit report that should not be there
Product: Credit card or prepaid card

They need to report my zero balance at the end of each billing cycle.
Product: Debt collection

My husband is a Veteran we was living at an apartment in XXXX XXXX, due to financial difficulties we had to break the lease. We paid all our rent up to the month we left. We break the lease 2 month before the lease was up. For the 2 years we were living at the apartment we never miss a payment or paid late. When we were leaving we went to the office spoke to the apartment personnel about breaking the lease and told them we will pay when our situation change they promise they wont put it on our credit and turn around and sold it to a collection agency that place it on our report and has been bugging us. This fee is just for breaking the lease 2 month before it ended not for owing rent now we have to stay on base with a family member because we cant get anywhere to rent with that on our report
Product: Credit reporting or other personal consumer reports

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatlyappreciated.
Product: Checking or savings account

Chime has not refunded all transactions due to identity theft. 
They have denied several disputes I've had to file more than 1 as well due to only being able to add 4 per report.
Product: Mortgage

This letter is to give notice of a violation of the Consent Order issued XXXX XXXX, 2014, File No. XXXX to Flagstar Bank, F.S.B. According to Section C. subsection 89 ( b ) it states as follows : For any Affected Consumer who ( a ) is delinquent or in foreclosure as of XXXX XXXX, 2014 and ( b ) is more than XXXX days before a foreclosure sale as of the Effective Date or no foreclosure sale is scheduled ( " Delinquent Consumer '' ), Respondent must : b. If a foreclosure trial, judgement or sale is scheduled, based upon the circumstances of the foreclosure and the applicable state law, petition the court, or take other reasonable measures to delay the foreclosure trial, judgement or sale. 
Flagstar Bank F.S.B. is pursuing a foreclosure action which clearly is in violation of the referenced Consent Order. I qualify under the criteria of the Order therefore I am requesting a full investigation and action to terminate Flagstar Banks attempt to foreclose so other remedies may be pursued. The case was filed in XXXX XXXX County Missouri Circuit Court under Flagstar F.S.B. v XXXX XXXX XXXX. 
This is not a request for legal advice or assistance of legal counsel in this matter. I am available to assist in any way to bring this matter to a conclusion. Your urgent cooperation is greatly appreciated.
Product: Credit reporting

I disputed with Transunion, but I have not received a final reply. I had to log in under " initiate dispute '' to view my credit profile and see that the items : XXXX XXXX, XXXX XXXX ( XXXX accounts ), and a bankruptcy appear on my credit profile. I started my disputes in XXXX 2016, and recently sent a final letter XXXX/XXXX/16 asking the bureau to send me documents verifying these account. These disputes are going on 6 months, and I have not received a document that validates these fraudulent accounts. As a victim of identity thief it is very important that these item be removed. Under FCRA section 611 ( a ) ( 7 ) a consumer has the right to ask for a receive verification documents within 15 days of an item being verified. My letter being sent XXXX/XXXX/16 asking for these documents is over 15 days old. Where are the said documents? My log in date for Transunion is dated for today. Still these items exist on my profile and still I have received anything from Transunion. As of yet, I have not pursued a law suit against Transunion, but as it is stated under law, I can initiate a law suit for resolution. This is outrageous, that it is taking this long to investigate and provide documents. It is hard enough being denied credit as a victim of identity thief.
Product: Mortgage

Because SunTrust bank has repeatedly under managed our escrow account for home insurance we selected a new home insurance company and paid our annual home insurance premium in advance in XX/XX/XXXX. 
During XXXX and XX/XX/XXXX we repeatedly advised the bank of our action and requested they close the escrow account, refund any escrow balance, and stop collecting insurance payments. 
The Loan Officer said we needed to contact the Insurance department and the insurance department said we needed to contact the Loan Officer. 
We did what they said and provided proof of the insurance policy, its coverage ( in excess of the loan amount ) and showing the bank as designated mortgagee. 
On XX/XX/XXXX we received a letter dated XX/XX/XXXX requesting us to cancel the insurance policy and deposit any refund into escrow. 
We want the bank to close the insurance portion of the escrow account, refund any escrow amount for insurance and stop charging form insurance amounts.