23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Name : - XXXX XXXX Employer - XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Mortgage

On XXXX XXXX my XXXX daughter was hospitalized for a serious medical condition that was later diagnosed as XXXX XXXX. Because this illness required weekly office visits, supervision before school and after school and if she had episodes at any time required me to obtain XXXX at work. So due to this information I was granted intermitted XXXX from my employer and my hours were reduced to care for her. I am a single parent, so my income is all I have coming in to care for my last XXXX younger daughters. Because my hours were cut short and my mortgage payment and my other bills became due. I requested a reduction to my mortgage company Freedom Mortgage for assistance for my hardship I was experiencing. I provided all the verification the requested including XXXX paperwork approval, XXXX 's. medical documentation for the hospitals and outpatient faculties and a letter stating my hardship and all the documents they requested. I then received a modification in the mail increasing my payments from {$1100.00} with my fixed interest rate of 4 % to my payments changing to {$1300.00} at a 6 %. I reached out to my mortgage company explaining I need a reduction not an increase. And my mortgage company representative said I HAD to sign the modification to get the reduction or forbearance request, so I did. They told me they are sending a notary to my home to sign then call them back for the forbearance or reduction. Once I did what they asked they keep sending me a modification for higher amounts and kept telling me to send in the same documents over and over and still never provided me a reduction or a forbearance. Then I called more times, and they told me once again I needed to sign another modification to receive a forbearance or reduction to receive one, so I signed it again. Making my payments almost {$1400.00} and the payment being due XX/XX/2023. Unfortunately, on XXXX XXXX My employer terminated me after being there for 2 years XXXX week after my XXXX hours exhausted for my daughter. But was going to renew XXXX XXXX. I then reached back out to my mortgage company for a forbearance pleading for them to please help me this time and submitted to them my termination documents, my unemployment award letter, reason for termination and bank statements, tax returns, unemployment affiavit and all the paperwork for my income and expenses and information they requested, and they still today Wont grant me a forbearance and keep sending my modification making my payment higher. So, for almost a year with my hardship my mortgage company is Refusing to grant me an unemployment forbearance or a reducing in hours modification and now is threating to foreclose on me and have not assisted me or given me a denial for why I don't qualify for a forbearance or a reduction. I have reached out to XXXX XXXX XXXX XXXX to assist me, and I have filed a complaint with HUD because they kept forcing me to sign modifications and not granting me what I might qualify for due to my circumstances chancing financially. Please help me resolve this issue so I don't become homeless and lose my home with my children thank you.
Product: Credit card or prepaid card

I have been in contact with my credit card regarding my situation and being home as I am not an essential worker and my state being in stay home stay safe order. They are only allowing consumers 90 days with payment assistance. We have been in covid stay home order since XX/XX/2020. My card has been charged fees and is over the credit limit and being reported to the credit bureaus as delinquent.
Product: Credit reporting

I wrote Transunion on XXXX XXXX and included all copies of ID their website says they require. I had specific questions I asked for an investigation to be done. It is XXXX XXXX and they have not responded to me in violation of the law.
Product: Credit reporting or other personal consumer reports

Company violated and continues to violate 15 U.S. Code 1681b - Permissible purposes of consumer reports and my rights as a consumer, destroying my life financially with no care or remorse. No permission or consent was given by me for the improper use of my consumer reports, All credit inquiries and accounts currently being reported on my consumer report are a result of identity theft and company refuses to properly deal with the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXXXXXX 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: Checking or savings account

Several weeks ago I tried to set up an online ACH transfer of {$3000.00} from my bank, Huntington Bank to my XXXX account and was told they could not do so until I proved that the account I was transferring to was owned by me. I printed the top half of my latest brokerage statement showing my name and account number. They replied that they must have the complete brokerage statement to proceed as it could be " easily manipulated. '' I don't think that is the bank 's business to see my complete brokerage statement. I instead mailed them my XXXX Account Profile information sheet, again showing my name, address and XXXX account number. Now they are ignoring me. 

I don't think this is proper. Please advise. 


XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I've reached out to my mortgage company, " Veterans United '' ( VU ) to inquire about who will pay the property tax to the counties, XXXX and XXXX. The response I received was that XXXX XXXX will have to be paid by me, but XXXX XXXX tax will be paid by VU. 
Fast forward 7 months, on XX/XX/XXXX, I get a letter from VU which stated my delinquent property tax payment to XXXX XXXX XXXX {$690.00} ) although this tax should have been paid by VU on the last day of XX/XX/XXXX. Immediately I reached out to VU and asked what happened because as of XX/XX/XXXX, the incurred tax penalty was {$83.00} dollars. To stop penalty from accumulating any further, I had made a payment directly to XXXX XXXX. 
Fast forward another 2 months, on XX/XX/XXXX, I was able to reach a resolution with VU by receiving their agreement to reimburse me the amount of {$83.00}. However, even after a month after the agreement, VU has failed to reimburse me the penalty that I was at no fault of. Every time I call VU, all I get hear back from different service representatives is same talking point that I've been hearing over and over since XX/XX/XXXX.
Product: Student loan

Was not told when consolidating loan balances with Navient that payment based repayment plan years would start over to the beginning of the 25 years of payments and would not be given credit for the 4 years that I have made payments. I consulted with Navient before proceeding with the consolidation.
Product: Vehicle loan or lease

Hello, I'm writing to dispute/ or have removed any late reporting on my credit report for GMC financial during the year XXXX. This car lease was turned in XX/XX/2020 and paid and satisified in early XXXX. The account was never closed out properly on the company side to show I was paid up, car turned, in and completed. They continuing reporting me late for XXXX during a time I didn't even have the car and was paid. I was carefully monitoring my credit report and I noticed this. I called GMC finance and they said, " oh yes, you are paid and satisfied, we apologize and will make correct in our system to stop reporting late ''. Now with that, they did but the late markings have stayed on my report which has very much hinder me greatly moving forward. All I ask is in consideration is to remove those late reporting during that time frame. I work really hard to keep things in good standing and now my car is up for a new lease and they pull a different report from and can see those but they all see " good standing, paid off customer and satisified '' but the late markings hurt my credit score. I want to keep XXXX on there but hopefully remove at least those late ones. I have tried everything with them and they just say I'm paid and nothing being reported. Anything would be helpful and so appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over six months I have been challenging the same account and have not received a proper response from Equifax in regards to XXXX  account # XXXX Equifax has violated several laws in the FCRA one being the Re-insertion law Equifax has taken off and put this account back and forth on my account 3 times without and notice five days prior at all The Account is also reporting extremely inaccurately showing 120 days late 3 times in a row which is impossible not only is this account not fair and accurate the reinsertion law has been violated I have not gotten any response on this account being stuck unfairly to my credit report This is my third CFPB report for this matter and nothing has been resolved Equifax last response was to send in my information for this matter to be looked over I sent my information over 90 days ago and NO Response Equifax is holding this account i my credit file illegally in many ways
Product: Mortgage

My wife and I refinanced our Mortgage, and this refinance closed on XX/XX/XXXX. Our previous mortgage was being serviced through Dovenmuehle. We refinanced through XXXX XXXX XXXX   and our new loan is now being serviced again through XXXX XXXXDovenmuehle. Now 59 days  after the closing of our refinance, we continue to wait for the reimbursement of our escrow account from Dovenmuehle with a balance of {$3400.00}. My understanding is that there is a period of 20 to 30 days in which a loan servicer is required to reimburse any excess escrow balances or any remaining escrow balances after a loan has closed. I have now communicated with Dovenmuehle about this on several occasions. I spoke with them early after the closing of the refinance and was told that the escrow reimbursement would be automatically sent. After not receiving this reimbursement after over a month from refinance closing, I again contacted them on XX/XX/XXXX. At that time, I was told that it had not been sent because they had not received a request for release. The representative told me at that time that they would submit the request and that the reimbursement would be sent within 3 to 5 days. XX/XX/XXXX, I again logged into my account to see that the escrow balance remains at {$3400.00}. I contacted Dovenmuehle for the third time and was told by the representative that her supervisor had informed her that it had not been released because there was a problem with the research department. They stated that they had messaged that department and will need to await response from that department. They recommended that I call back on Friday XX/XX/XXXX to again check on the status of my reimbursement. At that point it would have been nearly 2 months since the close of our refinance and there is no guarantee that the issue will have been resolved by that time. I asked to speak with the supervisor or someone from the research department and I was told that this is not a possibility. I called back that same day and asked to speak with a supervisor ; they forwarded me to a supervisor when I asked for details of the previous conversation so that I could file an accurate report with the Consumer Finance Protection Bureau. At that time, the supervisor said that she was not certain why this had happened but said that she would forward this case to the " acceleration department ''. We were told that we would have our money within a week. Today is a week. We have not received our money and have not heard any updates. My wife and I are in need of this money. It seems that Dovenmeuhle does not have any urgency or concern about this despite seemingly practicing against the law and despite our need for this significant amount of money that they are holding. When borrowers don't pay their loan on time they pay excess fees, continue to pay interest, and are sent to collections. When Dovenmeuhle doesn't return money that they owe to borrowers, they continue to earn interest on this money, likely have customers forget about or give up on this money, and have no consequences for these actions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint.
Product: Credit card or prepaid card

I have been a Citi credit card customer for 28 years. I have an active, recurring monthly charge on the card. Today ( XX/XX/2021 ), I tried to log into the account to see if the new monthly charge had come in. I see a message that says that the account is closed. I call Citi and they say that they sent me an email ( one only ) on XX/XX/2021 notifying me that cards without a US address would be closed on XX/XX/2021. I have two addresses on file, one overseas and one in the US, as I am back and forth between both countries. Citi confirms to me on the phone that they see the US address and notes that I had even updated it in XX/XX/2021 from one state to another. Yet, they still closed my account. They inform me that they will need to run another credit report to open my account ( closed for exactly one day! ) and that it will take 5 business days ( starting Monday as today is Saturday ) for them to investigate my address (!?! ). I tell me that my one monthly recurring charge will be booked in the next five days and ask for a solution. They tell me that I will just have to contact that company and have the charge booked to another credit card. There is so much wrong about this whole story ( only one email notice, a policy that would not seem to apply to me, lack of effort / empathy to offer a solution to a long term customer ... ), but it is just bad PR for the bank.
Product: Debt collection

I have 2 collections reporting on my credit reports from XXXX XXXX XXXX. I want these account properly verified and validated according to the law and the FDCRA. 
There is no way this collection agency is able to do that because I have no knowledge of the accounts reporting and I have never had Services with XXXX XXXX. They have also added another collection claiming they are collecting for XXXX XXXX XXXX, also something I know nothing about. 
These collections are damaging my reports and my good name
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$1700.00} XXXX XXXX XXXX : XXXX -- -> : {$1200.00} XXXX, XXXX : XXXX -- -> : {$260.00} XXXX XXXX XXXX -- -> {$12000.00}
Product: Mortgage

Selene Finance foreclosed on my home XXXX and did n't try to assist me with a loan modification. I put that behind me and moved on with my life. I received a response to my loan modification dated XXXX stating that my deed in lieu was denied because of excessive liens? I found this to be anothe slap in my face because not only did Selene Finance fail to respond to my many requests for a loan modication, they made every effort to expedite the foreclosure ... they now send a response with an enclosure acknowledging a address change XXXX/XXXX/XXXX ... so they made the effort to note that I was not at the property address ; which clearly should have nullified any effort to contact me. Explain to me how one lien was excessive. there should have been only one lien on the property from the hoa ... all other liens belonged to XXXX XXXX who was no longer on the deed at the time the property foreclosed. He was removed from the deed 3 years prior to the foreclosure. Selene Finance knew that XXXX XXXX was no longer associated with property ... so
Product: Credit card or prepaid card

Credit card company : Chase Freedom Fact Act XXXX XXXX XXXX XXXX, DE XXXX The primary credit card holder, XXXX XXXX XXXX XXXX passed away on XX/XX/XXXX. The credit card company, Chase Freedom, was provided a certified copy of the death certificate and a request was made to close the account. A dispute was also raised over the $ XXXX balance for various unauthorised monthly charges by The XXXX XXXX and charity organizations. The deceased had previously suffered a XXXX in XXXX so vulnerable to credit card fraud. Instead of closing the account, Chase Freedom proceeded to transfer the account balance and name to the authorized user XXXX XXXX XXXX, the primary card holders surviving spouse. She never applied for this credit card nor had a physical card or used this card. Several complaint calls have been made and a letter was sent to Chase Freedom on XX/XX/XXXX requesting documentation that XXXX XXXX XXXX applied for this credit card which they could not provide. Please help resolve this issue as the credit card balance continues to grow from fraudulent charges and interest which is affecting XXXX XXXX XXXX credit rating.
Product: Credit reporting or other personal consumer reports

On XX/XX/28, we made a payment to XXXX XXXX using our bank account information over the phone. We do not know if an error is made on XXXX, banking, or on entry of numbers but we were not notified by email or phone. The website reflected successful payment made initially so there was no reason to believe the payment did not go through. We did not receive a letter until XX/XX/XXXX when we received two separate letters, one that showed that payment was on time and another that said that payment had been reversed. The communication on this issue was done very poorly and contributed to a late payment notation on our credit report. We talked to a Level 3 manager who basically did not acknowledge the lack of communication and just kept saying it was our fault and nothing could be done. He was frequently impatient and showed no sympathy. He refused to give us higher level contact by email, insisted it had to be done over the phone. The payment was made after we received notification and we are asking that back credit be give and the credit notation about 30 days late be removed.
Product: Credit card or prepaid card

Comenity Bank 's website has been down for over a month over 30days. i have not received any communication from them informing me of anything. I have tried calling them and can not get anyone on the phone. i have waited over an hour on hold trying to make a payment. This is OUTRAGEOUS!!!! i dont know if they are reporting me late to credit bureau or what is going on????? please find out!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have worked with several credit repair agencies with the hope of having items reporting on my credit reports accurately to no avail. This has been ongoing for well over five years and has cost me thousands of dollars. The end results have been so-called accounts verified and one company has been out of business now for several years but yet the accounts have been verified through them. Furthermore, the student loans went into rehabilitation than consolidated under one lender and is currently in deferment. There remains duplicated accounts with origination dates of the dispute not when they were opened there are at least 15 accounts in all that is listed as individual loan amounts when in fact they are the same loans that are currently consolidated. The amount will total the XXXX that is currently owed which is close to the max that I can apply for the amounts varies from XXXX to XXXX but they remain uncorrected and has brought my score so far down that I have been placed into sub-prime bowering status with interest rates triple what they should be. I have worked very hard to get my score up and every time I attempt to get this matter resolved my score goes down and nothing has changed except for the origination date on the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion customer service would not help and take care of the negative inquiries reporting to your credit report which are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Bank of America Demand Letter Fraud By their client : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

Please take notice that my funds were transferred through means of coercion and under false pretenses all along! 
Attached, please find supportive statements, screenshots, and further evidence.
Product: Credit card or prepaid card

I applied for and received a Chase Sapphire Preferred credit card. The promotional offer promised a waiver of the {$95.00} annual fee for the first year. On my very first statement, they charged the fee. 

I contacted the company to request the waiver, and included a screen shot of the offer. They replied, " [ We ] apologize, but we show that the offer applied on your account doesn't have a first year annual fee waiver '' without any other explanation.