23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by XXXX my mortgage balance increased by {$5000.00}. I purchased my home in XXXX of XXXX. After my down payments etc ... my mortgage balance is {$330000.00}. This was being reported to the credit bureaus, until around XX/XX/XXXX, when I received a credit alert my mortgage balance increased by {$5000.00}. I began making the classes to XXXX and to our current mortgage servicer, SPS ( Select Portfolio Servicing ) XXXX states this information is coming from the mortgage holder. SPS is not the mortgage holder, however they are my contact for discussing my mortgage. I called SPS, and they are saying they are not reporting this increase to my credit report. They told me the county tax accessor must be reporting to the credit bureau. Today, XX/XX/XXXX, I placed a called to the tax accessor about my concerns. They expressed to me, they do not report to credit agencies. This brings me back to SPS, who told me yesterday they are not reporting this {$5000.00} increase to my credit report. At this point, this is holding me up from being able to secure a line of equity to help us continue to rehab this dilapidated property. I watch my credit score closely to try and secure financing with the lowest interest rate possible. This situation continues to lower my score, while it's false reporting of information. I don't owe taxes until XXXX, for which I have already paid into my escrow account to cover these taxes, as this is what takes place when you purchase a home. Taxes are paid in the rears. The former owner of the home, ( a bank ) is responsible for the XXXX taxes for my property. XXXX XXXX XXXX, XXXX XXXX. This is my second complaint filing, as the first is when I discovered what has happened and no one can give me a straight answer. Mortgage Processor pointing the finger at the tax authority is absurd! The entire process for purchasing this home began with XXXX XXXXXXXX XXXX, when I caught them discriminating against me, as I have a XXXX last name. Had everything not been so stressful, while running a business I would have filed suit against XXXX XXXXXXXX XXXX. This is my husbands last name, as I am a XXXX, born and raised in the XXXX, cousins to XXXX XXXX the great Senator of Minnesota. I have never felt the feelings of discrimination until now as people assume I am XXXX. I need this false reporting to be fixed and I do not know where to turn.
Product: Student loan

I used the public library on campus to log in to my banking information and used my regular now changed passy or password. Then after not recieving loan I found out it had been given away to someone else the refund only portion of it. The ammount is neary XXXX XXXX dollars. I had borrowed from mother while waiting for the loan refund and now owe her significantly without the loan refund being found and returned I am unable to ascertain when I will be able to pay her back. THis is causing stress. I have the information that was given to wells fargo when they tried to do a honest cash retrieval but it did not work becuase chase bank is following their rules. 
AMount of loan refund : {$1900.00} Posting Date : XXXX Trace # XXXX XXXXXXXX XXXX Acct # XXXX Routing # XXXX it is not a foriegn or over seas account it is local here in California. 

I dont know what the circumstances are I just have some guesses. But I need the money back because its mine and im expected to pay interest on it. I have called the XXXX family and they took a report at XXXX today the XXXX of XXXX and suggested I contact you at the FTC XXXX  well and to contact my loan servicer. WHicXXXX XXXX XXXX  doing after this today. 

This my phone number XXXX THis is a good mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like the check to come back before end of year if possible. You could mail to that address. Please look into this and do whatever you would have yourself do. Thank you to all. 

My social security # is XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX This is not a dispute but a formal request for validation of the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ) and case law reinforcing creditors ' obligations, I request the following information for this account : Date of First Delinquency : Provide documentation supporting when the account first became delinquent. 
Date of XXXX : XXXX the date and evidence of the accounts charge-off status. 
Date of Last Payment : Include the exact date of the last payment made on the account and the amount paid. 
Furthermore, I am requesting : A cease of communication regarding this account, as permitted under 15 U.S.C. 1692c ( c ).

A cease in reporting of this account to any credit reporting agency until the requested validation is completed. 
Case Law References : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) : Establishes the responsibilities of creditors regarding the accuracy of their reporting. 
XXXX v. XXXX Bank, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Highlights the necessity for creditors to provide clear and substantiated account details. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reinforces the obligation of furnishers to ensure accuracy in the information provided to CRAs. 
Failure to provide validation in compliance with these requirements may result in legal actions, including but not limited to filing formal complaints with the CFPB and other regulatory bodies.
Product: Credit card or prepaid card

On XX/XX/2020, TD Bank opened a XXXX credit card in my name with a {$4200.00} credit limit. I never applied for a card, never used this card and never will use this card. I have tried to call XXXX XXXX ( TD Bank ) at least 20 times, have waited on hold over an hour each time, and ultimately disconnected the call due to no answer by the bank. The bank offers no other mode of communication ( mail, email, etc. ). The chat functionality on TD Bank 's website just shows no internet connection and does not work. Their level of consumer support is deplorable and I am wondering if they are taking the same approach as XXXX XXXX did in setting up accounts without a consumer application or knowledge. I need this account closed immediately and proper notations made to my XXXX.
Product: Mortgage

I paid off my mtg, to NewRez in XXXX of XXXX. I have yet to receive my deed. When I have called, get voice mail. Enter in my former acct. number, says they can not find it. Because the lien is satisfied. Then, I enter in the phone number, say they can not find it. Looked all over the web, on a former statement, called several numbers to no avail. 
Have not included the acct. number, due to the disclaimer above. 

Extremely frustrated. Five months is long enough, for them to pull and send my deed. 

Please help. 

Thank you. 

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

On XX/XX/2021 I filed a complaint with cfpb please reference complaint number XXXX. I advised you this account had been settled and deletion was agreed upon and yet equifax was still reporting. I requesting deletion I receive a letter dated XX/XX/2021 stating that equifax had no record of this account.but the account still shows on equifax. Please remove this account Ive attached the letter as proof from equifax stating they have no record of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  have deleted an account off of my credit report not once not twice but three times and have been deleting the account and then a month later re-adding the account back onto all 3 of the credit bureaus. The account is XXXX XXXX. This has been going on throughout XX/XX/2018. The account was just added back onto all three credit bureaus after being deleted for the second time last month in XXXX. This is ridiculous. It sinks my score the more they delete it and re-add it. Once an account has been deleted that should be final.
Product: Debt collection

An individual authorized to speak on behalf of the consumer contacted the company on XX/XX/2017 after discovering their claim against the consumer during a regular check of the consumers bureau credit reports ; the company had never attempted to contact the consumer previously. During that initial contact, formal request was made for validation of the debt. After a month without any further contact, including validation, from the company, complaints were filed in late XX/XX/XXXX with the three major credit bureaus. The company responded to several of those complaints, claiming that the debt was valid. A subsequent claim was filed against the company by the CFPB and responded to by the company, who again alleged the validity of the debt. However, because validation of the debt was requested, the companys reports to the CFPB and to the credit bureaus which allege the debts validity are illegal due to the companys failure to provide validation of the debt. This continued reporting of the unverified debt constitutes hostile and malicious attempts to damage the consumers credit.
Product: Credit reporting or other personal consumer reports

Incorrect use of my credit for a hard inquiry pull from these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting to Experian as a collection which is not, it is a paid to delete account which should be removed which was removed for the other two credit bureaus.
Product: Debt collection

I have paid the debt in question and have documentation to show it is paid. Also, the collection was initiated by XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX did NOT notify me the debt was being sent to collections. Original date of billing was XXXX/XXXX/XXXX for multiple service for a XXXX XXXX. Payment of the {$400.00} was recorded by XXXX XXXX as seen on accompanying documentation. The debt collector has call our home phone identifying themselves as a debt collector but offering NO information as to who the debt was against and who it was the original collector. Today XXXX/XXXX/XXXX I received a letter of collection for the first time, I attempted to use XXXX all it was an automated system that kept repeating I owed {$400.00} would I like to pay ... ... No interactive conversation.
Product: Credit card

I am writing to file a formal complaint against Citibank regarding their handling of a credit card dispute that has been ongoing for more than 2 months. Despite providing ample documentation and evidence to support my case, Citibank has continuously ignored my efforts to resolve this matter and has taken no meaningful steps to investigate or address the dispute in a fair and timely manner. 

Dispute Reference Number : XXXX Background Information : I have been a loyal Citibank customer for 12 years and have always maintained a good payment history. However, my recent experience with Citibank 's credit card dispute resolution process has been extremely frustrating and disappointing. 

Issues and Concerns : Despite providing clear and compelling evidence to support my dispute, Citibank has not taken any meaningful steps to investigate or address the issue. Citibank has ignored the all the documentation that I provided. They failed to look into the evidence correctly. Instead, they rushed with their decision, and did so unproffesionally and incompetently. 

Requested Actions : I kindly request the Consumer Financial Protection Bureau to investigate my complaint and take the following actions : 1. Initiate a thorough investigation into Citibank 's handling of my credit card dispute, ensuring that all provided documentation and evidence are reviewed and considered.

2. Require Citibank to provide a detailed response to my dispute, outlining the results of their investigation and a clear resolution to the issue. Ensure that Citibank takes immediate steps to correct any inaccuracies on my credit report resulting from this dispute. If Citibank is found to be in violation of any applicable laws or regulations, take appropriate enforcement action to hold them accountable. 

I appreciate your attention to this matter and request your prompt assistance in resolving this dispute. Your intervention is crucial in ensuring a fair and just resolution. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit Bureaus stated my account was properly investigated and verified, but how is that possible : EQUIFAX : 1. XXXX XXXX, if account open date is XX/XX/XXXX, the date last active XX/XX/XXXX. This clearly show accounts not accurate. This is ground for removal they violated my rights. 

2. XXXX XXXX, if account open date is XX/XX/XXXX, the date last active XX/XX/XXXX. This clearly show accounts not accurate. This is ground for removal they violated my rights. 



15 U.S.C.1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

Also the Credit Bureaus took more 30 days to complete my investigations.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The following companies have made reports on my credit and shared personal data that was not consented to report, share or make public on my credit report. I have not given written nor verbal consent to any company to share, collect, sell or use my personal information on a credit reporting. This is a violation of 15 U.S. Code $ 1681c-2 and 15 U. S Code 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned my XXXX at the end of XXXX. When I tried to refinance My mortgage, I checked my Credit and saw that XXXX had been reporting my payments delinquent XXXX, XXXX ... ... :. Till XXXX. I called at least 6 times and sent letters. They cleared it but still reporting XXXX and XXXX as unpaid. Im on the phone now with them and the woman said there is no one who can help me. She is so sorry!
Product: Checking or savings account

Hello, I'm inquiring about any accounts that may be open in my name and SSN # My name is XXXX XXXX and my ssn is XXXX. I'm also inquiring about custodial accounts in my son 's name " XXXX XXXX SSN # XXXX and my daughters name XXXX XXXX # XXXX. I believe the account may have been opened fraudulently by a close relative without my knowledge. if there are any accounts open under our names, could you please close them immediately and send any remaining balances and final statement to the address above. Thanks for your time!!!
Product: Student loan

I 've been paying the minimum amounts on each of my loans, as well as another large sum toward individual loans to pay them off quicker. Despite my aggregate amount of debt being reduced by half, my minimum payment has remained {$500.00}. As a result, a large chunk of that amount has been used toward interest. As a result, I ca n't take the money I 've saved from a lower minimum payment and apply it to the high interest loan I 'm working to pay off first. I 've called Navient 's customer service line and they 've manually updated my minimum payment to a lower amount, describing it as a problem that should be updating each month. Instead, I have to call Navient each month to have the minimum payment lowered to the correct amount it should be.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has sent false info about me to at least 3 Credit Bureaus! 
Probably more! 

XXXX falsely claims that I am allegedly behind on payments! 
That is FALSE! 
The truth is- I an enrolled in AUTO-PAY! 

SO the payment is supposed to happen automatically!
Product: Student loan

My XXXX loan is managed by Navient even though it is a XXXX loan. At the time I borrowed it this was the only option. I have taught for nearly 30 years and paid for at least XXXX. I should get the XXXX but my type of loan is not included. My loan should be forgiven. My husband 's small loan is consolidated so I could not transfer my loan to the XXXX XXXX department. It is XXXX hoop after another that will mean I pay nearly {$300.00} a month into my late XXXX 's. My loan should be forgiven. We will pay the remaining balance of my husband 's loan. Please help me find a solution.
Product: Debt collection

On XX/XX/2022, I received a phone call from XXXX XXXX, XXXX at XXXX. I missed the call and returned it at XXXX on XX/XX/2022. When I spoke to someone, they asked if I was the " executor '' of my step-father 's estate, XXXX XXXX XXXX I am NOT, but told them that I was his step daughter. I confirmed his date of death, and they stated they were attempting a probate collection for his Sam 's Club XXXX. This card is being paid as agreed, by my mother, XXXX XXXX, XXXX XXXX 's wife. XXXX called me as a " relative '' and tried to get me to pay the {$900.00} remaining balance by threatening a lien on my mother 's home ( which I do not live at ), and threatening to put this debt on MY CREDIT REPORT. How they received my information is a mystery, and why they are attempting to collect on a debt that is already being taken care of, is against Florida Statute. They are also in violation of XXXX XXXX. XXXX. XXXX. Pursuant to Florida Law, I am asking for a {$1000.00} resolution to their violation to be paid immediately, or I will file a formal lawsuit against the company, where legal remedy will be much higher!
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX. XXXX BANK WROTE OFF ACCT # XXXX AS BAD DEBT. XXXX BANK INFORMED ME THAT IT WOULD NEVER REPORT AGAINST MY CREDIT. I BROUGHT THAT UP TO XXXX AND THEY RESOLVED IT BY DELETING IT. 
SINCE THE OTHER CREDIT BUREAUS EQUIFAX AND XXXX ARE STILL REPORTING IT IN ERROR I WANT THAT DOCUMENT AS MISLEADING. 

I HAVE ENCLOSED A COPY OF MY CREDIT REPORT HIGHLIGHTING THE ERRORS. 
THEY DONT HAVE THE SAME OPEN AND CLOSED DATES, NOT THE SAME ACCOUNT
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$100.00}
Product: Debt collection

I previously filed complaint # XXXX against the Simon 's agency for collecting on a debt that they claimed was owed and I provided proof of payment. Their client, XXXX XXXX XXXX XXXX also confirmed that this was sent to collections in error. The Simon 's Agency fabricated the facts in their response to the CFPB, but stated that the file was not being sent to collections and was being handled. They just reported this to XXXX, which has caused my credit score to drop. I demand that they cease all collection activity and fix the damage that they have done. 
Thank you for your help in making this matter right!
Product: Consumer Loan

Cottonwood Financial sent me a letter dated XXXX/XXXX/16 but they sent it to collections about 2 weeks later, I was never given an opportunity to make arrangements. I received a call from XXXX XXXX XXXX, XXXX of the reps called me a liar. I advised him that I am working with an attorney on several options that may include filing bankruptcy but its not my only which I told Cottonwood Financial and the collection. I do n't know why they sent me a letter dated XXXX/XXXX/16 but sent it to collections 2 weeks later. Why would they do that? The rep at XXXX XXXX XXXX was very rude towards me because I told him I did not know if I could file bankruptcy, he tried to put words in my mouth. One of the options given to me is to pay the company back what I owe them which is {$600.00} and I already gave them {$120.00} so if they will accept the {$470.00}, I will mail them a money order to their corporate address in 3 weeks after this agreement is accepted. This situation is becoming unbearable at this point and I do not want to lose my job over this.