23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a heloc with BMO Harris on XX/XX/2023. Before I applied I specifically asked my loan officer about closing costs on two seperate occassions where he told me the closing costs would be paid by BMO Harris. On XX/XX/2023. 34 Days into the process they told me there would be over {$2200.00} in closing costs. I have spoken to management at BMO Harris twice requesting them to honor the original terms of no closing costs. I feel that I have been misled and my time wasted. What i request is that BMO Harris provide proper training and that they waive my closing costs like they originally said they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a paid lien ( XXXX ) on my credit report that has a redacted SSN. I've filed disputes with Transunion as well as sending them a certified letter for which I got no response. 


Included is copy of the lien so that you can confirm it does not meet the rules set forth in the XXXX XXXX XXXX XXXX ( XXXX ) that states liens must have a full name, address, SSI ( full SSI, not partially or completely redacted ) and/or DOB to be reported on any credit file. XXXX is the new guidelines they are to follow which went into effect for tax liens and judgements on XX/XX/2017.
Product: Credit reporting

EQUIFAX has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that EQUIFAX HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - EQUIFAX are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section XXXX or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. EQUIFAX is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.
Product: Debt collection

After reviewing my credit profile on XX/XX/ I identified a discrepancy with account listed under Universal XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit again on XX/XX/ and the account continues to reflect on my credit report and i have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XXXX  there have been no updates and the account still reflecting on the report. I do not believe the account belongs to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit card

I have an Amazon Store Card that has a XXXX balance and 2 months in a row they continue to tell me I have a balance due. Called Amazon in XXXX and they confirmed I owed nothing and gave me a {$20.00} Gift card. Again, In XXXX, Received a payment due email when nothing was due. Called Amazon and they said they would clear it up again. Not sure how many people are not paying attention and paying when they shouldn't!
Product: Credit reporting, credit repair services, or other personal consumer reports

For a while, my boyfriend has me listed as an additional cardholder in order to help me grow my credit. After we broke up, his credit balance became extremely high and it hurt my score as well. 

He has repeatedly requested to have me removed as an additional cardholder and XXXX XXXX XXXX guaranteed him this was done. 

But upon disputing it on my credit reports, the disputes were closed and XXXX XXXX XXXX is allegedly claiming that the account is mine. 

The account is DEFINITELY not mine and I do not have any credit cards. This should be removed, as it's destroying my credit!
Product: Mortgage

I received a letter from my mortgage servicer, Fay Servicing , LLC, on XX/XX/2024 ( dated XX/XX/2024 ) that XXXX updated their flood zone maps on XX/XX/2024, and my home now requires flood insurance. They offered to purchase on my behalf if I did not purchase it. 
I purchased flood insurance the following day XX/XX/2024. 
I found out at that time that XXXX updated their flood zone maps effective XX/XX/2024 - and that despite that Fay Servicing was going to charge me for unnecessary insurance coverage they would purchase on my behalf, without providing me information on who it is with or exact cost, effective XX/XX/XXXX -- almost XXXX full months of unnecessary coverage. 
I called multiple times to try to rectify and was unsuccessful with the various people I spoke with. I would have liked the option to XXXX ) fix the date with XXXX, and if needed XXXX ) purchase my own retroactive insurance coverage so I would have some visibility into the cost. 
Fay Servicing asked me to complete a XXXX application ( Letter of XXXX XXXX ) with XXXX, which XXXX told me is not for this case because I am not trying to dispute my home being in a flood zone, i am disputing the date XXXX mapped me into a flood zone. 
I am complaining about the required purchase of 2 months of insurance that I am not mandated to get based on the flood map update date, and Fay Servicing 's duplicitous handling and billing of extra moneys/purchases of insurance, and lack of transparency despite inquiring on their customer service line multiple times. 
There has also been no information posted to my online portal with Fay Servicing.
Product: Checking or savings account

My card was stolen. I followed through with everything that I was supose to, called chime reported card stolen, changed my pin, filed disputes, sent copies of my last transactions and sent copies of the ones I did not make. With times, dates, merchants, etc. There is no reason at all they should have denied me. What can I do?
Product: Credit card or prepaid card

My flight was cancelled due to the epidemic and the airline refunded me ( {$170.00} ), but Chase closed my credit card and refused to refund me
Product: Checking or savings account

On XX/XX/2023, XXXX fraudulent transactions occurred on my USAA savings account ending in XXXX. One for the amount of {$2000.00} and another for the amount of {$3000.00} simultaneously. Admittedly, earlier that morning I received a text message from " USAA '' stating my account was overdrawn. In a panic, I clicked the link to review my account, and unknowingly allowed access to scammers. 

I contacted USAA immediately while the transactions were still pending, notified them of the fraudulent charges, and opened a Fraudulent Activity Claim. Giving the adequate time to not let the charge actually post to my account, and the funds to be withdrawn. 

On XX/XX/2023, after reviewing the claim for 3 business days I received a notice that my claim was denied. 

On XX/XX/2023, I contacted USAA inquiring about the denial. The representative indicated that I was liable for the fraud because I clicked the link on the text message. At that time I asked for the claim to be reviewed again based of my inexperience with these types of scams and unknowingly clicking on the text link.
Product: Credit reporting or other personal consumer reports

this is a closed account and is reporting wrong on the account. 

please verify this account, then tell me how the verification process works and what it entails. 
- tell me where is the original doc with wet signature -verify the amounts owed -what is the first date of delinquency or default any info that does not add up or is the same as my credit report is considered inaccurate. 

because of the willful negligence of these companies, I was harmed physical and non physically and was denied credit for further taking care of my household. 

Please provide the debt connection and validation and proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting another CFPB Complaint to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. I am demanding you to please correct the following accounts as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$33000.00}. Under the Fiar Credit Rporting Act, I am entitiled to request an investigation and ask you to correct the erroneous information being reportedon my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 2nd Time that I have complained on the 3 major credit bureaus Experian, XXXX, and XXXX. I've submitted the inaccurate information that continue to harm my credit score as well as chances of becoming a first time home buyer because the credit bureaus are allowed to ignore the ( FCRA ) and the laws In place to protect the consumers from exactly what's happening right now and according to 15 U.S.C. 1681 et seq.

The nations three largest credit reporting agencies XXXX, Experian and XXXX are required by law to do everything in their power to accurately gather and report consumer information. 

XXXX XXXX  -ACCOUNT # XXXX ACCOUNT TYPE- EXPERIAN ( XXXX ) XXXX  ( N/A ) XXXX ( OPEN ) ACCOUNT STATUS-EXPERIAN ( CLOSED ) XXXX ( N/A ) XXXX ( OPEN ) XXXX XXXX XXXX- ACCOUNT # XXXX ACCOUNT STATUS-EXPERIAN ( CLOSED ) XXXX ( OPEN ) XXXX ( OPEN ) XXXX XXXX XXXX-ACCOUNT # XXXX ACCOUNT TYPE- EXPERIAN ( INSTALLMENT ). XXXX ( INTALLMENT ) XXXX ( OPEN ) XXXX XXXX DATE OPENED XXXX ALMOST 3MONTHS OVER ALLOWED LEGAL TIME XXXX ACCOUT # XXXX NO BALANCE NO PAST DUE
Product: Credit reporting or other personal consumer reports

I have contacted the creditors & they have no proof I initiated the following inquiries, no written authorization & have failed to proved permissible purpose. They do not have my authorization, written nor verbal. Therefore, I am asking you to DELETE these inquiries as there is no evidence of my authorization, nor permissible purpose. According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 USC Section 1681b ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following reasons and no other ( F ) otherwise has a legitimate business need for the info in connection with a business transaction initiated by the consumer 1 ) OneMain Financial, XXXX ) XXXX XXXX XXXX XXXX, & XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank you, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a collection entry added to my credit reports. But after further research, I have learned this collection agency is not licensed to collect in my state. In the state of Louisiana, debt collectors are required to be registered in order to collect. Also, I have never received any type of notice from this company in reference to any bill. I had absolutely no knowledge of this company until they added an account to my credit reports. Since they are not licensed in Louisiana, they are now in volation of the law. Therefore, I am now demanding that this company delete all of their entries from all three of my credit reports. Their reporting has led to serious damage to my credit reports.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : UNKNOWN # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request arbitration regarding inaccurate credit reporting on my consumer credit report. These inaccuracies are in direct violation of 15 USC 1681 ( Fair Credit Reporting Act ) due to the misrepresentation of credit limits and the subsequent non-compliance by your bureau in handling this matter. 

The following creditors and account numbers have been inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i attached the credit report with highlighted inaccurate misrepresentation of credit limits
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX & XXXX XXXX XXXXXXXX Balance {$950.00} XXXX  XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance {$490.00} ( Original Creditor : XXXX XXXX ) XXXX Balance {$1800.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There is a tax lien on my credit report with XXXX. It is not mine. I have the same name as my father. They are confusing me with someone else. I contacted the IRS AND STATE CONTROLLER OFFICE and confirmed that this does not belong to me. I disputed this with XXXX and they are continuing to report this on my credit. The IRS stated that they never verified anything like this on me to XXXX and that they do n't do electronic verification. XXXX failed to respond to my dispute on this error. it has been past 90 days
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. 

On XX/XX/2022 a XXXX XXXX Credit Card account was opened under my name without my knowledge or consent and a {$500.00} dollar credit card was used and left a {$740.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my XXXX account from XXXX XXXX on XX/XX/XXXX which I called them back in XX/XX/XXXX, They said they are a third party and the company that told them to pull is Finance of America LLC, and gave me their phone number and the representative to speak with. I called the number and the business said they would have the representative give me a call back to discuss. No one ever called me back. Today, XX/XX/XXXX I have tried calling XXXX XXXX again and their phone number is no longer in service, I called the number they gave me for Finance of America LLC and the calls go straight to voicemail. I look on my XXXX account and see a hard inquiry for the same date, XX/XX/XXXX under a different third party, XXXX, so I called them and they said again they are a third party for the same company, Finance of America LLC. I told them about my XXXX inquiry for the same thing and that I DID NOT authorize this inquiry. XXXX said I could file a dispute through their email but that is only for the inquiry on the XXXX account and not for the XXXX inquiry.
Product: Mortgage

My acct was past due. I tried to pay online but pennymac disables that option when I fell behind. I took money out of my 401k and called for the amount to bring current and was told they couldnt tell me and wouldnt accept payment. I then sent almost {$10000.00} from my bank directly by the due date on the most recent statemebt I had and they applied it but added what they refer to as other fees. The next month the bill had the {$1500.00} payment and almost a thousand dollars in fees. I paid that and 2 days later more other fees were added. I was told this was due to forclosure but I was never in forclosure. They said they were attorney fees but refused to send me statement showing that or to even confirm that these fees would stop now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many concerns : A collection company representing XXXX XXXX XXXX XXXX XXXX keep calling me with information that an account ( s ) were open in my maiden name ( XXXX  ) a few years ago. I have asked for this information and reported as inacurate and incorrect. This is not my debt. They harrass me day in and day out over this XXXX XXXX XXXX keeps asking for more money representing XXXX XXXX. I have paid balances and they keep calling with new balances This was already paid for. 

Bull City Financial representing XXXX XXXX which was paid XX/XX/2022 in full but never removed from credit reporting from collection agency as promised. 

XXXX XXXX - XXXX which was paid in full a long time ago and disputed transaction from a companty called two men and a truck. I have no knowledge of but they keep calling me to pay. 

XXXX XXXX stating I owe a balance {$4200.00} which was paid in full XX/XX/2022 and I have received a paid in full letter numerous times and a title to the item purchased, stating im the sole owner. I keep calling them to remove the debt from my credit and all they do is apologize for the error. 

XXXX XXXX- I have TWO credit accounts from XXXX XXXX AND XXXX since XX/XX/2022 but they are not reflecting on my credit as on time payments or ownership on these credit accounts. I call them to confirm they are reporting to the credit companies but nothing happens. They keep saying its an error. 

I call to remove closed accounts from my credit but those companies do not anything. 
I also wanted the hard inquires and bankruptcy removed but when i call the reporting agency they just put me on hold and nothing happens.
Product: Student loan

I have paid my student loans on-time, every month and have started making excess payments each month with plans to make several lump sum payments this year. I contacted Great Lakes to better understand how my payments are being applied since I make excess payments larger than the amount being applied to my principal balance. It turns out they are not applying my extra payments to the principal, which is compete scam!! Instead, they apply any extra payments to the following month 's payment, never reducing my principal balance. 

I have emailed them several times to request the payments be applied to principal only to receive the same script of how to apply payments to certain loans ( not the principal ). In addition, I have requested a spreadsheet of hypothetical scenario of me making a lump sum payment, so I could determine my options and they still have not provided this example, only the same repetitive script. 

Great Lakes does n't make it very clear how the excess payments are being applied. If the extra payments are not applied to the principal, it does n't make sense to pay extra on student loans until you save enough to pay in full since your principal is not reduced and you could be earning 1 % interest or 5-8 % return elsewhere. 

This practice should be illegal -- -
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX  Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$400.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Second written request in writing on XX/XX/2019, to Equifax Information Services LLC, to have a copy of the original creditors documentation on file to verify that this information is mine and is correct in the results of the first investigation. and I still have not been provided any original documentation under Section 609 ( a ) ( 1 ) ( A & Section 611 ( a ) ( 1 ) ( A ) by mail, I continue to receive emails, from  the Equifax credit bureau that the account have been updated and verified. Acct # XXXX XXXX XXXX XXXX {$550.00}
Product: Debt collection

This bunch of idiots with the IQ of 30 does not understand English. They have called me 16 times in the past four days including phone calls as late as XXXX at night. The debt they are claiming was turned over to a debt settlement company. I informed them of this and they told me they did not care. The debt settlement company also informed them of their involvement and obviously they did not care because they kept on calling.