23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After paying an invoice of {$660.00} on XXXX XX/XX/XXXX for an escrow increase on my mortgage with Fifth Third bank, the monthly payment still slightly increased by {$43.00} from {$1900.00} to {$2000.00}. I incorrectly and admittedly sent in the prior payment amount of {$1900.00}, and Fifth Third accepted and deposited the payment on XXXX XX/XX/XXXX but did not apply the payment to my account despite receiving the payment on time. The entire principle and interest amount was correct. Only the escrow amount had to be corrected, and the escrow disbursement wasn't due for another four months in XX/XX/XXXX. On XXXX XX/XX/XXXX, I paid the {$43.00} via Fifth Third 's website the day after first getting a voice mail to return Fifth Third 's call on XXXX XX/XX/XXXX. To date, Fifth Third has refused to apply to my account the mortgage payment payment of {$1900.00} received by Fifth Third on XXXX XX/XX/XXXX or the additional payment made for the escrow shortfall of {$43.00} received by Fifth Third on XXXX XX/XX/XXXX. Rather, Fifth Third acknowledges both payments received constituting the entire new mortgage amount but continues to hold the payments without applying to my account and has advised they will be charging a late fee. 

Fifth Third is choosing not to apply the payment they received and deposited without applying the credit to my account. Fifth Third was very prompt in notifying me of the issue with two phone calls, one to me and one to my spouse on XXXX and XXXX XX/XX/XXXX, but has done nothing since receiving the additional payment to apply the payments made to my account on XXXX XX/XX/XXXX, despite three subsequent conversations on XXXX XX/XX/XXXX. This is an example of a big lending institution working to intimidate me as a consumer, find an excuse to charge additional fees, and ignoring my immediate efforts as a conscientious consumer to correct a minor {$43.00} error while Fifth Third held a {$1900.00} payment already made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  FINAN-6XXXX-Balance {$6500.00} XXXX XXXX XXXX XXXX XXXX-Balance {$540.00} XXXX XXXXXXXX XXXX-Balance {$540.00} XXXX XXXX XXXX-Balance {$870.00} XXXXBalance {$0.00}
Product: Debt collection

Paid the property manager in person and the property manager failed to notify collection agency of payment which is causing damages to my credit score and holding me from being able to get accepted into another rental property. Also Im now XXXX and the property manager is aware of that and still neglected to give credit bureaus the updated information and still had the collection agency contacting me.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} ; US DEPT ED XXXX Balance Owed : {$4700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$3500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : {$1100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1000.00} ; XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance Owed XXXX {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint regarding Experian 's reporting of unnecessary and inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), the Michigan Consumer Protection Act ( MCPA ), and the Michigan Credit Reporting Act ( MCRA ). I request the CFPBs intervention to address the issues detailed below and ensure compliance with relevant consumer protection laws.

Disputed Information : The following entries on my credit report are contested due to inaccuracies and unauthorized reporting : Account XXXX : XXXX XXXX XXXX  Balance / Date : {$240.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX XXXX XXXX XXXX / Date : {$620.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX XXXX Balance / Date : {$240.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX, XXXX Account XXXX Balance / Date : {$250.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX, XXXX Account XXXX Balance / Date : {$120.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX XXXX XXXX Balance / Date : {$520.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX XXXX XXXXXXXX XXXX XXXX : {$720.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX XXXX XXXX Balance / Date : {$750.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists.

False Reporting of Information : Experian has reported incorrect information associated with my Social Security number ( XXXX ) : Inaccurate Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX Legal Name : XXXX XXXX XXXX XXXX Addresses Reported : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MI XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Legal Basis for Dispute : FCRA Compliance : Reporting inaccurate names and addresses violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681c ( a ) ( 5 ).

USC Exclusions : Under 15 U.S.C. 1681a ( d ) ( 2 ), certain types of information are excluded from the definition of a " consumer report. ''
Product: Payday loan, title loan, or personal loan

On Friday, XX/XX/XXXX at roughly XXXX, XXXX XXXX customer service agent XXXX XXXX XXXX did call my place of employment after the customer service department was instructed to not call any number other than my cell phone ( XXXX ). This was explicitly told to the customer service agent several weeks prior. I have recorded conversations with that individual as well as my conversation with XXXX XXXX. 
XXXX XXXX attempting to contact me at work has put my job in jeopardy as I'm not allowed to take personal calls on a work number.
Product: Debt collection

XXXX XXXX Account # XXXX This account is reporting inaccurately and incomplete. I have requested documentation from this Financial Institution and have not received a response or the information I requested. It has been pass 30 days. Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX XXXX I have been disputing this account and no proper investigation has taken place and this is a violation to my consumer law rights and my mode of living. This account needs to be deleted from all 3 consumer reporting agencies immediately. 

Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am writing to request a Form 1099-C, charged off for the XXXX XXXX XXXX XXXX account XXXX that I held with you. 
I received notification that the account was Charged off in the amount of {$13000.00}. I understand that I am required to report this income to the Internal Revenue Service. 
I would appreciate it if you would provide me with a Form 1099-C, charged off, so that I can file my taxes accurately and in a timely manner. 
If you have any questions, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

I was in the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  from XXXX of XXXX XXXX XXXX XXXX XXXX  i had not access to the internet and no one had access to my accounts. we let XXXX XXXX know of the dire situation and they agreed to give me grace and pay balance in full upon discharge which i did. they agreed to not mark it as late and further agreed after to remove it from my transunion report and they did not. XXXX has removed the late payment and has 100 percent payment history and i need transunion to do the same. XXXX XXXX keeps saying they will and havent. please correct this asap as im trying to get approved for a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, XXXX XXXX XXXX ( XXXX ) reported that I owe {$710.00}. This was reported to TransUnion on XX/XX/2022. XXXX XXXX also reported this to XXXX and XXXX on XX/XX/2022. 

My credit report informs me that the original creditor was : XXXX XXXX FOR XXXX XXXX XXXX. I have disputed this case with XXXX for I was unaware of this charge and I also did not give XXXX permission to relinquish nor sale any personal information to third party XXXX. Not only did this company harass me to pay this unsolicited debt, but also gave/sold my information to a party that I do not know. 

In addition, I was able to confirm that both XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX violated XXXX of the following laws : 15 U.S. Code 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state such consumer owes any debt.

15 U.S. Code 1692. ( D ) ( 2 ). A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of [ section 2 ]. The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 U.S. Code 1692. ( D ) ( 4 ). A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of [ section 4 ]. The advertisement for sale of any debt to coerce payment of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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: Mortgage

XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX, Ocwen Loan Servicing, and XXXX have wrongful foreclosed on me and harassed me since XXXX. I have written CFPB several times about these companies and XXXX doesn't reply due similar allegations with other lawsuits they were fighting at that time. But now however they did respond back to the Alabama Attorney Office for the same complaint I had written to CFPB. Today XX/XX/XXXX I was served with notice to move out immediately and I'm going to comply. But for the record, I want them to know, the world needs to know they are doing the same under handed things they being doing, which causing them all to be suited several times and they still having learned anything. XXXX IS NOT SLEEP AND XXXX XXXX, OCWEN, XXXX HAVE ALREADY BEEN DEFEATED, IN XXXX NAME! I will get my settlement from them. Somebody is going to hear me, because I have young children in my house. 
They received the proof from my insurance company and have spoken with them. I have the deeds to my home! I did a mortgage modification in XXXX and they are not saying anything about, almost like them have pushed under the table ... .why.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions where authorized, I was charged fees due to delayed posting of charges and credits. With the CFPB findings against Navy Federal Credit Union, I believe these practices are unfair and request an investigation into my transactions.
Product: Debt collection

Account Control Technology has been harrassing me, calling my cell phone repeatedly five times in a row, calling my co-workers, my neighbor, and my brother-in-law. This is just so far 2 days into this problem. It is regarding my student loans. I fear my job and reputation are being put in jeopardy by this ridiculous abusive behavior.
Product: Credit reporting

I called Transunion 's customer service dept about inquiries that had been on my Transunion file. These inquiries were deleted and later reinserted without prior notification. TransUnion customer service would n't take care of it. 

Section 6:11 of the Fair Credit Reporting Act that states anything that is deleted from your credit report and reinserted, the consumer is given a 5 day notification after that item is reinserted. I never received any notification from TransUnion regarding the reinsertion and yet they refuse to remove the inquiries listed below. 
I would like these items to be removed immediately because they have violated my rights under the Fair Credit Reporting ACT. 

XXXX XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX Thank You, XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian regarding their failure to conduct a full investigation into my dispute submitted on XXXX XXXX XXXX associated with report number " XXXX. '' Under the Fair Credit Reporting Act ( FCRA ), Experian is legally required to thoroughly investigate disputes and provide clear, documented reasoning for the verification of any information reported. However, Experian did not provide any explanation on how my dispute was verified or why it was marked as " Verified and Updated, '' thus failing to meet their obligations under the law.
Product: Credit reporting or other personal consumer reports

My husband and I went into America First Credit Union XX/XX/24 ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ) to open up a business account. We are already established members of the bank ( have been for several years ) and already have multiple business accounts with said bank. The employee who helped us set up the account was XXXX XXXX. XXXX ran both of our credit ( hard pulls ) without our consent/knowledge/approval. Upon finding this news out a couple hours after we left the bank, the employee ( I believe her name was XXXX, direct number is XXXX ) I spoke to over the phone called me to inform me we were not going to get approved for our business account because we weren't established members, which is incorrect and that also our credit had been ran. Upon further investigation that XXXX made, she found the employee ( XXXX ) incorrectly filled out our business application and was NOT supposed to run our credit. My husband and I are in the middle of buying a home right now and close on the home on XX/XX/24, so as you can imagine we were incredibly upset to find out our credit was pulled as this is going to lower our credit score and look negatively to the underwriters on our home loan. 

We went to the bank again the next day to speak with the bank manager ( XXXX XXXX ) and told him the story. He did not seem to care at all that our credit was not supposed to be pulled and especially without our knowledge or consent. We expressed our concern and frustration to him and at the end of the conversation he said someone from the bank would be sending us a letter to give to the underwriter doing our home loan ( that says our credit wasn't supposed to be pulled ) as well as proof that they will submit to the credit bureau that it was also pulled in error- so it goes off our credit report. Of course, we have seen no such documentation and upon countless follow ups no one will get back to us or send us the promised documents.
Product: Student loan

In XX/XX/2023, I requested a refund for the President covid forbearance. I wrote a letter to MOHELA regarding my refund on my PSLF account in XX/XX/2023. The Public Service Loan Forgiveness program ( PSLF ) requires borrowers to pay XXXX payments and their loans will be forgiven. I paid XXXX payments towards my PSLF program. I am due a refund. I previously sent a refund for my payments for the President covid Forbearance periods but I did not receive the full amount. I submitted my most recent PSLF employee verification form to MOHELA on XX/XX/XXXX. My loans were forgiven in XX/XX/2023.
Product: Checking or savings account

They made 2 fees in one transaction. Im receiving unemployment because of the pandemic and I called them explain and they didt give me the fee back.
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As clearly as water. Thank you CFPB for bringing this awesome evidence to light despite the lies that XXXX XXXX was telling consumers who, like been saying for years ( this is A fraudulent account that magically appeared on my consumer report. I had told XXXX XXXX and made them aware of this fraudulent account yet they continue to harm my life by ignoring what i have been barking at XXXX XXXX fraud department which i now know is being handled by clerks that were told to ignore any Fraudulent investigation into this credit account. Now I Know why XXXX XXXX was determine to flex and intimidate me into trying to make me believe that they were investigating this fraud account when they never did. CFPB this data furnisher is liable Fair credit reporting act ( FCRA ) under section 623 .Responsibilities of furnishers of information to consumer reporting agencies. 

a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.