23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been involved in a XXXX-year lawsuit with my insurance company over a breach of contract after they refused to cover the costs associated with replacing my cast iron pipes. After years of litigation, we were finally set to go to trial, but fortunately, we settled out of court on XXXX, XXXX 

Since then, Ive submitted all the required documentation to process my claim, including information about the settlement payment, which was made on XX/XX/2024. However, as of today, XX/XX/XXXX, Ive been making multiple calls to Mr.Cooper Loss Draft Depart to inquire about the status of my payment and to ensure there are no further delays. Ive also asked about any additional documentation they might need to avoid further complications. 

On XX/XX/XXXX, I was informed that I needed to submit an estimate from the insurance adjuster, which I did. The estimate was for {$13000.00}. However, XXXX, the supervisor I spoke to, told me that they couldnt accept the estimate because my settlement amount is {$120000.00}. I explained that the payment we received was a result of the insurance company breaching their contract in bad faith. Despite this, XXXX insisted that I resubmit a line-item breakdown of the contractors bid, even though the original submission included the total amount. 

I also spoke with XXXX XXXX, who apologized for the delays and assured me that she would try to expedite my check. She understood the urgency of the situation, especially since my family and I have been suffering health issues due to the damage from the cast iron pipes. XXXX later informed me that she had managed to secure a XXXX  % release of the payment. However, I was then told in the evening that my second mortgage lender had endorsed the check incorrectly, and as a result, they would likely send it back to me for a re-endorsement. 

At this point, I am unable to make any progress on repairing my home without receiving these funds. The ongoing delays and confusion are causing significant hardship, and its becoming increasingly difficult to convey to others that I can not move forward without this payment.
Product: Credit reporting or other personal consumer reports

Xactus LLC XX/XX/2022 and XX/XX/2022 XXXX Credit inquiries that I did not request
Product: Checking or savings account

I received an email asking for my Social Security number, photo of my ID and mailing address on XX/XX/2023. I verified this was a legitimate request through the customer service via the Current banking app, and provided the information. I received another email stating that my account was closed and would not be able to access the funds in said account, stating that they dont generally provide specifics related to the difficult decision to close your account and are unable to release any remaining funds on your suspended Current account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Bankruptcy Court # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In mid XXXX I was given a check for deposit in the amount {$4900.00}. I used the TDBank app to deposit the check. Then next day I was waiting for the funds to clear and checking my account the check had been charged back. I spoke with a TDBank service representative and was informed there was something wrong with the check. They did not say what the problem was. So I contacted the issuer and they sent me a replacement check. I deposited the second check with the Mobile app. I checked my bank account the next day and the funds were still pending. The next day the pending had been removed and seeing this I called TDBank and I asked the representative if the funds had cleared. She said yes. I asked her if the check had cleared and the funds were collected because I did not want to have another chargeback experience. She told me the funds were collected and in my account. Because I was informed as such, I withdrew the funds not knowing that I was to become a victim of a hiring scam. I would not have withdrawn the money if there was any question of validity of the check. A few days later the chargeback occurred and the bank took the funds out of my checking account. They informed me the check was fraudulent. That the routing numbers on the check were fake. I was so angry because I had been informed the funds were collected, cleared, and in my checking account. TDBank did not protect me as their customer. If there was a problem with the first check why did they not have red flags raised with the second check? I am XXXX years old and I feel that I was very much misinformed by the TDB representative. I have a phone log record of my calls to TDBank.
Product: Credit reporting or other personal consumer reports

I contacted each of the following companies in regards to the influx of inquiry requests reflecting on my equifax credit report. None of these companies responded to my requests. I contacted equifax and requested an investigation. Equifax claimed to have conducted an investigation and somehow concluded that the requests were valid even though no evidence of such was provided. I have listed the list of inquiries below and wish to have the fraudulent inquiries removed from my credit report. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

Requested a refund from merchant named XXXX. Email states it will take 24-72 hours. That time period has expired, still no refund. Have began a dispute with American Express my credit card company to have this investigated. Documents attached show the merchant stating that they " processed '' the refund, As well as a dispute case identification number with american express. Please investigate and resolve.
Product: Mortgage

Towards the end of XX/XX/XXXX, I received an email from mortgage company saying that I have an escrow shortage of {$1700.00}. I called the mortgage company to explain why an escrow shortage of such amount. Their explanation was because taxes increased from {$4900.00} to {$5000.00} a year. I found it very confusing that a {$100.00} difference in tax increased will create such a big amount in escrow shortage. Still not satisfied with that answer I called back to the mortgage company again, this time a representative tells me that there was a double payment for the month of XX/XX/XXXX. I told them how that was possible if previous owner had paid taxes in XX/XX/XXXX that covered the month of XXXX. The representative had no answer. I reached out the county tax collector for information about a payment for the amount of {$1300.00}, the tax collector person says the amount does not show in their payment history. The tax collector email me a copy of the payment history for the entire year of XXXX and beginning of XXXX and it only shows 2 payments received ; in XX/XX/XXXX for {$1200.00} and in XX/XX/XXXX for {$1200.00}. I called back the mortgage company and explain the situation.. I'm asked to email that copy to them and they will open a case to investigate. So I've been calling this mortgage company every week since the end of XXXX and I still get the same answer. Apparently a tax collector from the mortgage company called the county to verify the check was received and it was confirmed. I called the tax collector and asked if she confirmed, she stated that the tax collector from mortgage company is giving a false statement as she never received a check for {$1300.00}. She even faxed them a proof of payment history where again it doesn't show that check was received. Last week I spoke with a supervisor and told me the previous cases were opened incorrectly but this time he was going to file the proper one and to call back XX/XX/XXXX. Today is XX/XX/XXXX and I called back, another representative couldn't find any case reopened and was not able to provide me with information or any solution to this matter. From XX/XX/XXXX to XX/XX/XXXX, I've spoken with XXXX, two other I can't recall their names, XXXX, XXXX, XXXX ( pretty much told me to take the fault and pay the amount owed of it will hurt me in the end. Also suggested to disperse the payments into 24 months as oppose to one time payment of 12 months ), XXXX, XXXX XXXX, XXXX, XXXX ( supervisor ) and XXXX. I was also told that this issue will take months to get resolved because it needs to be investigated. How are they going to investigate if they keep closing the case with no intentions of finding a solution. I was able to make an adjusted mortgage payment but I refuse to make that extra payment that was increased from money that is nowhere to be found. They have been playing with. me for the past almost 2 months with this phone calls. It is very discouraging and frustrating to know big companies like this one in particular take advantage of people like me who are first time homeowners. I wonder to how many people they do this on a regular basis. XXXX XXXX  SHAME ON YOU!!
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MD XXXX XXXX/XXXX/1025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Credit Reporting Following Loan Forgiveness Dear CFPB Representative, I am writing to file a formal complaint regarding inaccurate information on my credit reports maintained by XXXX, XXXX, and TransUnion. Despite providing all three credit bureaus with documentation that my loans were forgiven, this information has not been accurately reflected on my credit reports, negatively impacting my credit score. 

I have contacted the credit bureaus directly, submitted a dispute with supporting documentation, and allowed the legally required 30-day period for an investigation and correction under the Fair Credit Reporting Act ( FCRA ). However, my reports still show the incorrect loan status, which is not only inaccurate but also a violation of my consumer rights under the FCRA. 

The inaccurate reporting is causing significant harm to my financial well-being, including but not limited to : Lowering my credit score. 
Hindering my access to fair credit opportunities. 
Causing undue stress and financial instability. 

I am requesting the CFPB to intervene and assist in ensuring that my credit reports are promptly updated to reflect the correct informationspecifically, that the forgiven loans show a {$0.00} balance or are removed as appropriate. I am also seeking confirmation of the corrective actions taken by the credit bureaus and the creditors involved. 

Enclosed are copies of : The loan forgiveness documentation. 
Correspondence with the credit bureaus. 
Dispute submissions and responses received ( if any ). 

Thank you for your attention to this matter. I look forward to a swift resolution to correct my credit reports and protect my consumer rights. 

Sincerely, XXXX XXXX [ Phone Number : XXXX ] XXXX XXXX
Product: Debt collection

I this a judgment that I didnt even know about until it was on my credit reports. I have disputed the transaction with all XXXX major credit bureaus and the have refused to remove the judgment from credit file. I also wrote the attorney and they never responded to my letter and have not removed the judgment from credit file
Product: Credit reporting or other personal consumer reports

Disputed a XXXX XXXX through TransUnion and them knowing it that it is against FCRA regulations, they keep listing it back as accurate. It is a closed account shows a balance shows the monthly payment history and a bigger amount then was allowed to start with. It even States closed and they refuse to remove it. Knowing that XXXX and XXXX both have a lawsuit against them because of this ordeal TransUnion is doing the same exact thing and looking at these little people and getting their information which is wrong instead of them looking at the report yourself seeing where it shows closed.
Product: Debt collection

Re Acct # XXXX {$680.00} On XX/XX/2018 and XX/XX/2018 I wrote and sent certified letters to PORTFOLIO RECOV ASSOC regarding Acct # XXXX. ( See Attached letters ). There are also 3 other accounts I sent letters so that PORTFOLIO RECOV ASSOC could validate the debt they claim I owe. All letters were sent certified on the same days, which were XX/XX/2018 and XX/XX/2018. I am sending a copy of those letters. The debt hasnt been validated. 
Acct # XXXX  {$3700.00} ( Case Was Dismissed, attaching court dismissal paperwork ) Superior Court XXXX, CA Case number XXXX Acct # XXXX   {$680.00} They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my family ; my home and credit and I need help taking care of these matters. 
Thank you in advance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.s. code1681 Report containing information solely as to transaction or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

Experian says it can not generate a score for my credit without me joining one of their " improve for a fee '' programs. Both of the other two credit reporting agencies show my score as XXXX and XXXX and there is no reason for me to not have score except my unwillingness to pay for it.
Product: Debt collection

I have disputed several medical collections with Optimum Outcomes that are on my credit reports and they have remained on my credit reports with all XXXX bureaus. They have not been verified.
Product: Debt collection

Continuing to get phone calls from this creditor even though case is closed. Trying to attempt to collect a debt.
Product: Payday loan, title loan, or personal loan

I paid off a checking overdraft line of credit in XX/XX/2019 but Pentagon Federal continues to report it as over the credit limit and late for over a year through today. I attached a communication from XXXX XXXX at Pen Fed acknowledging that the account had been paid off in full. PenFed never sent me notices that any amount was owed for this account. It has literally destroyed my credit score. There have been dozens of communications in prior years for them deliberately reporting false negative information and I can not get them to stop. It is deliberate  and based on situations and information I charge it to be pure XXXX. I plan to file a separate formal race discrimination complaint. I also filed a complaint with the company, its supervisors and NCUA. Please make them stop immediately and hold them accountable
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate.and according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.i sent multiple letters to transunion to investigate these accounts listed below because the information is not 100 % accurate reporting multiple discrepancys that I've highlighted in the files from my most recent credit report. ( XXXX XXXX  : acount # XXXX ) ( XXXX XXXX : acount # XXXX ) ( XXXX XXXX  : acount # XXXX ) ( XXXX XXXX XXXX XXXX : acount # XXXX ) ( XXXX XXXX  : account # XXXX ) ( XXXX XXXX  : account # XXXX ) the dates last activity, opening dates, dates of last payment, payment status, balance owed, closed date, creditor type, acount status, the creditor remarks, payment amount, credit limits are not correct and are reporting different from XXXX  and XXXX.these inaccurate negative accounts are making it impossible to purchase a car and home and open a business.they have responded that they verified the information. Can you please look into this matter and get these accounts deleted for multiple violations in my federally protected rights.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

There is medical debt recorded under my name for a visit to the emergency room from over a few years ago that I was not aware of. Just in the past couple of months Ive been receiving non stop phone calls and voicemails from a debt collector at TCS. It is also severely damaging my credit report right now and I am XXXX XXXX XXXX
Product: Vehicle loan or lease

I paid off the loan XX/XX/2020. 

I called XXXX XXXX to learn my title was just requested for release. However, it one month since unpaid off and I can't get answers about the where abouts of my car title.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX a delinquent/late payment was reported to the credit bureaus. I had made a payment plan with XXXX XXXX prior to that and had followed it accordingly. When they reported my payment late, I called and spoke to the general manager XXXX XXXX ( he was also the one who helped me set up the payment plan ). He admitted it was a mistake on their end and it should have never been reported. I asked him to resolve it and he was very flighty, it took me 4 times of asking him until he said he would need to submit something to the credit department but it would take a long time. I said that was fine. Since he kept complaining about it I asked for the credit departments contact information and he said they dont give it out to customers and only he can do it. After 2 months I reached out to XXXX because it was still on my credit report and he said oh I assumed they fixed it because I didnt hear anything and said nothing else can be done. So I filed a claim with each bureau explaining this and all were denied except one. I resubmitted and they were still denied. XXXX said they couldnt do anything about it even though I reminded them they admitted it was their mistake. I asked for a Corporate phone number and they said they didnt have XXXX. I then began working with a credit repair agency and they said this sounded shady, and have been working on removing this from my credit report at the other XXXX bureaus but they have been unsuccessful. So it is still on my credit report even though XXXX admitted it was their mistake. 
Aside from this major issue, XXXX has been EXTREMELY rude and insulting in every interaction I have ever had with him. They have also called over XXXX times in XXXX day for days on end. I have just paid off this entire loan so my account is closed with them but I am still not okay with their shady business practices.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2018 Balance $ XXXXLate/Closed Late Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I wrote Experian about being a victim of identity theft. After reviewing my current credit report this fraudulent account XXXX XXXX XXXX XXXX is still reporting and is causing harm to my credit file.
Product: Credit card or prepaid card

I continue to receive letters from " Discover '' noting that I have attempted to open a credit card but due to lack of information the application could not be processed. I have called the number on letter with no avail. With this being said, I did not request a credit card. 

Date ( s ) letter : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX