23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During the last quarter of 2023 I had to redo my contract with Nevada State Bank out of XXXX Nevada. I requested a loss mitigation process which I was approved for. Since I've been repaying my loan based on their terms, I have NOT received one statement, nor can acquire a statement on what I'm paying. My payments have gone up to about {$400.00} dollars a month, but every time I pay it appears they are adding around {$800.00} a month to my account. With these current terms it appears that there is no way that I will every pay off this loan. I was told that they can foreclose on my home if I also did NOT pay about {$8000.00} dollars to their lawyer for lawyer fees. When I asked for a breakdown of what I was paying in XXXX of XXXX they did not and would not provide me this information. Then in XXXX I asked for this information again. I also noticed that since I last asked in XXXX that my loan amount went up another $ XXXX dollars even though I was paying my required monthly payments. When I was finally given some sort of information on what I was paying I received a typed-up summary from the lawyer with a section that said $ XXXX dollars as being " OTHER EXPENSES '' I find it hard to continue paying under these terms and unfair that I'm not explained in detail by being provided a statement. I have NOT received a statement in over a year and I feel that filing XXXX is my only option to stop these unfair practices that XXXX feels is OK to put me through.
Product: Mortgage

Our servicer will not send us a monthly statement of our mortgage statement or allow us to log on online in order to see what our status us ( bal, pymt amount, whether we are current, past due, etc ). We were in a bankruptcy, but that ended in XXXX of XXXX. Dovenmuehl stated that because of the bankruptcy we were not allowed to see any current information. Since our bankruptcy discharged over 9 months ago, the servicer still ( as of today, XXXX/XXXX/XXXX ), will not let us obtain information on our mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, my credit score increased by 19 point ; however, on XX/XX/2020 my credit score decreased by more than 70 points. The account is current and the balanced decreased by {$1100.00}. I am confused as I am showing the account is current but in one section it is showing as 60-90 days delinquent. This account is current and should reflect the same. Additionally, there should not be such a steep decrease in my credit score if the balance decreased and is currentt.
Product: Vehicle loan or lease

Please see the attachments, the miscellaneous charges should be gone. The taxes and everything have been paid and refunded and even cashed by you guys. Please update it as I plan to trade it my car soon! I have been told 5 times now that this has been handled but yet I see no {$0.00} balance on the Misc charges. Please handle this. This is for Account # XXXX.

VA Dept of Taxation has taken care of the overages charged and my misc charges balance should be {$0.00}.

I am getting no response at all about this.
Product: Debt collection

I 've recently have had my wages XXXX. Apparently, after communicating with my employer, this XXXX has been on my file since XXXX. The collector is XXXX XXXX XXXX along with XXXX XXXX XXXX. Their number is XXXX. The attorney representing them is XXXX XXXX. His number is XXXX. After a brief investigation into the company, I 've discovered that they have had several lawsuits against them for violating several fair debt collection practices act. Here is one link from the Federal Trade Commision, https : XXXX. 

I 've received no information on the validity of this debt nor was I ever served or summon with papers. Today, on XX/XX/2017, I called XXXX XXXX XXXX to get more information on this matter and the authenticity of it. They claim it is a XXXX debt which I have no knowledge of. I believe I am a victim of fraud. They have fail to properly produce evidence of such debt to me, failed to send any form of summons to appear in court, and they fail to notify me in writing that it provided negative information to my credit report. 

Please help me rectify this matter. XXXX XXXX XXXX has a history of such wrong doings along with multiple law suits against them for consumer malpractices.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the agency didnt make sure it was reporting 100 % correct. XXXXXXXX XXXX is reporting on XXXX, TransUnion and XXXX. I have know kowledge of this company. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. s 1681i ( 7 ) Method of verification Description of reinvestigation procedure
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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

I opened a business checking account with First National Bank on XX/XX/. I was told that I wouldnt be charged a monthly service fee for the first three months ( grace period ). However, I was charged a $  XXXX  monthly fee on XX/XX/XXXX  that was posted during my 3rd billing cycle. Because I didnt have sufficient funds, I kept getting charged {$8.00} every day afterwards. I added cash via the ATM on XX/XX/XXXX  to bring my account back to positive, and still charged the {$8.00} for that day. I called customer service to request a refund and the agent submitted a form. I still see the fees posted to my account.
Product: Credit card or prepaid card

I kept getting emails from TransUnion about being in debt so I signed in and there is a credit card that is being used under my name, but I do not know with what company so I cant call to close it
Product: Debt collection

Through certified mail, USPS, I have asked the company to send validation that this account is mine. The company has not returned any information that proves I entered into a contract or any agreement with them.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT 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 15USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 1681 s-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 or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Carrington mortgage services sends certified mail on maybe losing the house. Late fees are non stop! We were on a forbearance and at first they were saying we owed all of it up front
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal information Also Known As 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX Whos studying XXXX XXXX finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I applied for a loan. I was denied, at least in part, because of a credit blemish from XXXX XXXX that was reported by Equifax. The blemish should have fallen off on XX/XX/XXXX, and is no longer reported on XXXX or XXXX. Equifax is refusing to comply, and has an incorrect date for when the blemish is set to fall of the report. I asked management for a corporate complaint number to escalate to an executive, and the supervisor I spoke with at Equifax refused to provide that number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Person claims to be with discover credit card ( I do not have discover ) wants to lower my interest I listen to his speach ( XXXX? ) I in formed him I am on a do not call list and hung up. He called right back swearing at me calling me a XXXX XXXX American for letting him finish his speach before telling him I was on a do not call list his phone number is ( XXXX XXXX XXXX
Product: Mortgage

My wife and I purchased a condo Unit located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX. My loan was recently sold to XXXX XXXX and I have some issues regarding the servicing of my former loan as I found discrepancies in the Payments and the final statement dated XX/XX/XXXX from Veteran 's United Mortgage Company. These issues made me look over the entire loan period and found there were major issues in the amount of monies received by Veterans United. First, on the final statement I inquired to Veterans United what the Hazard SFR Deposit was for and told representative I spoke with that If this was insurance it should not have been charged to our escrow as I have always maintained a homeowners policy on this property that covers the Condo unit itself and common areas for HOA Special Assessments for hazards and other damages. Also, an additional {$480.00} was removed from my escrow with no reason and I was told by the representative that those funds were to be forwarded to my new mortgage company, XXXXXXXX XXXX who Veterans United sold my mortgage to in XXXX 

an additional issue is that Veteran 's United removed {$1300.00} from a principal only payment of {$99000.00} made in XX/XX/XXXXXXXX  without authorization and my knowledge as the 1st payment due was on XXXX XX/XX/XXXX and I made that payment on XXXX XX/XX/XXXXXXXX XXXX  I made the principal only payment on XXXX XX/XX/XXXX XXXX Therefore, the removal of {$1300.00} was unwarranted and unauthorized and the next payment was due on XXXX XX/XX/XXXXXXXX XXXX  and paid to Veterans United on XXXX XX/XX/XXXX. 

The amount shown on the statement dated XX/XX/XXXX of {$98000.00} is my principal only payment minus {$1300.00}. So Veterans United received both mortgage payments on time however not one of my statements as of this year show the repayment of the missing {$1300.00} into my principal. I was not aware of this until I looked into the insurance discrepancies as I had trusted Veterans United and after calling the help line thought that the difference would be fixed. By Veteran 's United shorting my additional principal payment, it resulted in my actual loan amount being more than it should be causing me to pay more interest on the loan than what should have been. 

I also feel that since Veteran 's United has sold my mortgage to XXXXXXXX XXXXXXXX, funds in my escrow account should be sent to me and they should not be making transactions without my approval. After this, I can only assume that my actual payments have not been recorded correctly and/or properly applied to the loan. 

I have filed a complaint with the XXXX XXXX XXXX and had and continue to have a back and forth with Veteran 's United on this issue to no avail as they refuse to properly account for the funds or provide evidence that these funds were properly applied. The XXXX complaint number for this is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a company which the CFPB has sued due to unfair, illegal, and predatory lending practices. Yet, XXXX XXXX is still getting away with fraudulent and criminal activity by negatively reporting a totaled vehicle as an open, late account for 4 years! I have submitted a letter of proof to the CFPB from XXXX XXXX, stating that I paid off and satisfied this account. However, XXXX XXXX is still negatively reporting the account as late! In addition, XXXX XXXX has began garnishing my paychecks monthly. 

Under 15U.S.C. 1681e ( b ) : Accuracy of Credit Reports, I am requesting that the XXXX XXXX account be closed and removed from my credit report due to the false and inaccurate reporting of the this account. In addition, I request that the garnishment on the behalf of XXXX XXXX be stopped altogether.
Product: Debt collection

University XXXX report debt to GLA collection after my health insurance paid for my child doctors visit. I contact GLA and show proof that bill was paid by sending them a EOB an explanation of benefits that show proof that they have paid. The collection company refuse to remove inaccurate information from my credit report. I do not owe this debt they need to remove from my credit report.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XX/XX/year> Subject : Notice of Dispute Pursuant to 15 U.S.C. 1681n ( Fair Credit Reporting Act ) To Whom It May Concern : I am writing to formally dispute certain information on my credit report as required under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681n. The inaccurate or incomplete information listed below is causing harm to my credit score and, consequently, my financial standing. Please treat this as a formal dispute.

Item ( s ) in Dispute : 1. Account Name : XXXX  Account Number : XXXX I request that you investigate the validity of the disputed information. If it is found to be inaccurate or incomplete, I ask that you DELETE it from my credit report in accordance with the FCRA. 
As provided under 15 U.S.C. 1681n, I am aware that you are required to perform a reasonable investigation of the dispute and respond within 30 days of receiving this notice. If you do not resolve this dispute in my favor, I reserve the right to pursue further legal action, including but not limited to filing a claim for damages due to any willful or negligent noncompliance with the FCRA. 
Please confirm receipt of this dispute and inform me in writing of the results of your investigation. 

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

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has failed to assure me 100 percent possible maximum accuracy when it comes to my consumer report. They are still violating my rights after the third attempt trying to fix this issue. They are still hosting two tradelines on my consumer report that I have filled an FTC complaint about and a police report and they still have not removed the account from my consumer report. I even have someone on the phone stating that they only can remove an account if the furnisher tells them to. Which I stated that's not how the law works. It is the duty of the furnisher to report accurate information but it is also the consumer reporting agency 's job to assure you 100 percent possible maximum accuracy when it comes to the things on your consumer report. I will attach the FTC report the dispute letter and the police report that I sent to them and a screenshot that these accounts are still on my consumer report. XXXX is willfully being non-compliant pursuant to Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) for not blocking information [ 15 U.S.C. 1681c-2 ] ( a ).
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payments Under 15 U.S. Code 1681i, 1637 ( b ), and 1681s-2 Dear CFPB Members, I am writing regarding my account with XXXX XXXX ( account number : XXXX ) to request the removal of three late payments reported on my credit history, specifically in XXXX and XXXX of XXXX and XXXX of XXXX. 

Under 15 U.S. Code 1681i, I have the right to dispute inaccurate information on my credit report, and under 15 U.S. Code 1637 ( b ), I am protected in my rights as a consumer to receive accurate information about my accounts. Additionally, according to 15 U.S. Code 1681s-2, creditors are required to report accurate information to credit reporting agencies. In this context, I request that my circumstances be reviewed and that consideration be given to the removal of these late payments, as they have negatively impacted my credit score.

I am willing to provide any additional documentation that may be necessary to support my request and facilitate the review process. I appreciate your attention to this matter and look forward to your prompt response. 

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

I recently checked my credit report and was shocked to find accounts that I do not recognize. I have never opened or authorized these accounts, yet they are being reported under my name. This is completely inaccurate and misleading, and I need immediate clarification on how this happened. These false accounts are creating an unfair representation of my financial history, and I will not allow this misinformation to remain on my report.
Product: Checking or savings account

Violation Reg CC availability of funds of Government check placed on hold longer than 10 business after the checks were clear. I was locked out of my account after the funds cleared which were from my taxes. I am being discriminated against the employee at the location the branch manager XXXX XXXX told me that there is nothing that she could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting XXXX XXXX XXXX XXXX on my credit report : I have not authorized this and the company has not confirmed that I owe them. Based on law this should not be on my report. I do not owe this company or authorized anything with them. Please have XXXX Remove this within 30 days or issue compensation. Based on 15 USC this should not be on my credit report.