23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Boeing Employee Credit Union Home Equity Loan Account Number XXXX Subject Property : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX In XX/XX/XXXX I started a refinance transaction on the subject property through XXXX XXXX XXXX in XXXX, WA that include paying off the 1st mortgage and this BECU home equity loan. 

In XXXX I was informed by my XXXX  loan officer that the refinance would not close until XXXX and I was advised to make my XX/XX/XXXX payment on the BECU home equity account. 

On XX/XX/XXXX I made a payment through the BECU bill pay service in the amount of {$220.00}. 

After making this payment, I received notice from BECU that the XXXX payment on the home equity loan has still due. I then contacted BECU customer service for assistance and provided documentation showing I had made the XXXX payment. 

BECU customer service informed me that I had submitted the home equity payment to their 3rd party mortgage loan servicer XXXX. BECU customer service did not offer me any assistance on getting the payment applied to the correct loan or information on how to get the money returned from XXXX. 

The {$220.00} was finally returned to me by direct deposit from BECU to my checking account on XX/XX/XXXX. There was no explanation provided by BECU on the delay in returning these funds, or why it never got posted to the correct account. 

The BECU home equity was paid in full at close of escrow on XX/XX/XXXX. 

I am now in the process of obtaining an additional mortgage loan with XXXX XXXX XXXX which is how I learned that BECU is reporting this home equity account as 30-days past due.

The credit report showing the 30-day past due was obtained by XXXX XXXX XXXX on XX/XX/XXXX. 

An attempt was made through XXXX XXXX XXXX credit report company, XXXX XXXX, to get BECU to correct the 30-day past due on my credit report and a conference call was made on Friday, XX/XX/XXXX to BECU with XXXX XXXX, my XXXX  loan officer and myself participating in the call. 

BECU is refusing to acknowledge the attempt I made in XXXX to make the payment on my home equity loan, is blaming this on me as a customer error and has refused to take any action to remove the 30-day past due on this account. 

My intent to keep the BECU home equity payments up-to-date until the loan was paid off is clear, and there has been no malice or neglect on my part on keeping up with my payment obligations. 

The 30-day past due reporting by BECU is creating an undue financial burden by lowering my credit scores to a level that will add significant cost to any mortgage transaction I attempt to make now, or in the future. 

Based on the inactions and poor customer service of BECU I was forced to make a formal dispute with each credit bureau in order to get the past due reporting status removed from this BECU home equity account and from my credit report. 

My goal now is to prevent BECU from reporting this account as past due in the future. 

Respectfully, XXXX XXXX XXXX
Product: Mortgage

Dear CFPB ... .My complaint is with Cardinal Financial Lending , XXXX XXXX XXXX or Sebonic Financial ... XXXX XXXX ... after applying to this lender for refinancing a mortgage I decided to cancel the loan. The loan was not paid off and did not close. When looking at my bank statement, XXXX I found they charged my account an " Expedited Payoff Service Fee '' without my permission on XXXX/XXXX/16 and XXXX/XXXX/16 ... {$30.00} each time ... they could have gotten this info for free but because they " Expedited '' it I was charged {$30.00}. This was done without my permission and I am requesting a refund of these charges ... thank you for your help ... XXXX XXXX, XXXX, CA. XXXX XXXX
Product: Mortgage

My condo is in a flood zone. My condo board purchases flood insurance. I sent a copy of the policy to my mortgage company, Mr. Cooper, and they acknowledged receiving it. In spite of this they say I do not have insurance and charged me {$1800.00} for flood insurance. This is the third year in a row that they have done this and the only way to get it fixed is to file complaints. 

I called them on XX/XX/XXXX and they give conflicting information. The " mortgage dept '' says I was charged while the " flood insurance dept '' says they have received a copy of my flood insurance and I was given a refund. There is no refund indicated on the paper or on-line statement.
Product: Debt collection

Person left a message on my work voicemail claiming to " represent the county process serving division ''. He requested that I be available with a photo ID either at my place of work or home. So that I could be served court documents. And that I 've been named in court documents. Instead of identifying the county he was calling from he requested that I call the XXXX at XXXX. Last week his office called and informed me that all of my bank assets were going to be frozen in 72 hours unless I called ... ... my assets remain very much unfrozen ... ...
Product: Credit card or prepaid card

We made two separate payments as deposit towards a wedding venue to be taking place on XX/XX/XXXX for ~200 guests at the XXXX XXXX XXXX in XXXX XXXX XXXX our CitiCard Visa Signature Card. Here are the facts : 1. XX/XX/XXXX : Paid a down payment of {$5000.00} towards the above wedding venue booking. At that time, we asked about what happens if an earthquake or a natural disaster were to happen, and the event could not be held due to that natural disaster or other catastrophic events out of everyone 's control. We were told that we would get the money refunded because it would be something out of the control of both sides. 

2. XX/XX/XXXX : Despite the Covid-19 pandemic, in good-faith, we followed through on our next payment of {$3400.00} due to the XXXX XXXX in the expectation that COVID-19 would surely be under control by XX/XX/XXXX and everything would be back to normal. 

3. XX/XX/XXXX : Several communication exchanges with the Corinthian Hall revealed that the US-wide mandated COVID-19 restrictions would not allow the scheduled event to be held on XXXX XXXX. The Corinthian Hall told us that they will not refund the payments we made because they do not have the cash to do so and as a matter of fact, they laid off all their staff. They said that since they are not able to hold the wedding as planned on XX/XX/XXXX the best they could offer us is to reschedule the wedding on a different date in the future. It is now XX/XX/XXXX and we are still in a restrictive lock down mandated by the federal and California governments. The bride and groom have gone on with their lives without a wedding ceremony since they could not have one on XX/XX/XXXX. It is unreasonable to be waiting for a wedding ceremony to take place at an unknown hard to commit date in XXXX or even to be chasing a date every month as the days unfold and as government officials adjust their stance on the pandemic restrictions. 


4. XX/XX/XXXX : I had disputed the two Credit Card charges with CitiCard Visa Card and after several months of back and forth with the vendor ( XXXX XXXX ) and CitiCard, Citis final decision was to close the case without issuing a permanent credit for the charges to my account. Citis justification for not crediting back the charges was that the charges were authorized and signed for. 

5. XX/XX/XXXX : I filed a complaint with the XXXX XXXX XXXX against the XXXX XXXX XXXX and reached out to XXXX XXXX Consumer Watch. I shared the case details with both XXXX  and XXXX looking for their assistance and guidance on next steps. They are both looking into the case details. XXXX XXXX XXXX XXXX advised me to appeal the dispute with CitiCard and to share the filed appeal back with XXXX XXXX XXXX XXXX. 

6. XX/XX/XXXX : I contacted CitiCard Dispute Department to appeal their decision on the dispute, and they told me that I could not appeal. Additionally, XXXX XXXX XXXX  asked me to file a complaint against CitiCard with you ( Consumer Financial Protection Bureau ) and to send XXXX XXXX XXXX XXXX a copy of that complaint as well. 

7. XX/XX/XXXX : Filed a complaint against Citicard with Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

one XXXX fraudulent accounts has been reporting under my name with XXXX and transunion, i have disputed and this account was removed from my credit file, but again was placed back under my name, this is a fraud and inaccurate account reporting under my name, i have a police report that i had been victim of ID theft, i will be attaching the paperwork to this complaint, please find attached. 
thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked.

I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : 1. ACCOUNT 2. NAME : XXXX / ACCOUNT NUMBER : XXXX 3. NAME : XXXX XXXX / ACCOUNT NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I have requested an Ecrow analysis multiple times. I had changed my homeowners insurance and they changed my house payment to reflect that for 1 month. Then they upped my payment by over XXXX a month and refuse to call me and go over the documents. I have contacted them multiple times since XX/XX/year>. 

Also, they upped my total mortgage amount by {$2000.00}. I'm on a fixed rate, higher total mortgage due shouldn't ever " go up '' I've had multiple other interactions also, they locked me out of my online acct for 3 solid months and they kept " just taking messages to call me back ''. 

The amount of times I've called them has caused me to have severe XXXX XXXX. They just flat out refuse to call me regarding my concerns and I'm terrified about my financial future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters on XX/XX/21, XX/XX/21, and XX/XX/21 to the credit bureaus regarding collections accounts and I have yet to received any correspondence from them regarding my disputes. I have send each letter to the 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 items on my credit 1 from a company called XXXX. Who claims I had a cell phone that I never purchased and never knew about. After supplying proof over the past 7 years and nothing has been removed from my credit. 
Also after opting out of XXXX reporting, XXXX lowered my credit score using old inaccurate information to punish me for opting out to lower my credit score by XXXX points. 
Also my score has been going up despite those items on my credit report prior to me opting out of the reporting practice of XXXX. 
I feel its an abuse of power and retaliation for my opting out of all prescreening and other marketing information being sent to me every day. Before I opted out of XXXX, my score was XXXX. Immediately after opting out, my score was lowered to XXXX. 
My credit score was just over the past 12 months has gone up while and despite those items being on my credit for years. Also my credit had already been adversely affected twice from those same items, so how many times can they drop my score for the same items. If I was penalized once for those item by dropping my score years ago. Why are they dropping my credit score again since I already was penalized for those inaccurate reporting? 
I feel its unfair reporting and retaliation for my opting out of there reporting system.
Product: Credit reporting or other personal consumer reports

According to the IRS and unpaid charge off is income and according to the FRCA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of debt ) from the following charge-off accounts listed below. BRIDGECREST Account number XXXX Social Security Number XXXX, D.O.B. XX/XX/XXXX after checking my most current report the updated information stated the account was purchased by portfolio recovery associates this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form.

Arkansas Fair Debt Collection Statute A.C.A. 17-24-101 states a debt collector has 5 years for written contracts the last date of activity or Last Payment Date XX/XX/XXXX. 

Creditor keeps reporting information that is incorrect as the law states it must be deleted. Account don't list any information which is accurate. Account don't even show that account has been disputed by me within 4 days. 


Account info Account name BRIDGECREST Account number XXXX Original creditor - Company sold - Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Repossession. {$19000.00} written off. {$8900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8900.00} Balance updated XX/XX/XXXX Original balance {$20000.00} Monthly payment - Last Payment Date XX/XX/XXXX Past due amount {$8900.00} Terms 72 Months Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Charge off R Repossession 30 Past due 30 days 60 Past due 60 days - Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Around XX/XX/2023 I mailed disputes letters to TransUnion and the creditor, requesting proof of the alleged credit card debt. As of XX/XX/2023 I have mailed XXXX dispute letters to the credit bureau and the creditor and still haven't received proof of the alleged debt with my signature
Product: Debt collection

XXXX XXXX / XXXX / {$0.00} XXXX  XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

XXXX. Subject : Request for Reinvestigation and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/year> ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.

Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested debt validation and verification from Capital One. My request was not addressed, I was provided information that does not pertain to my request.
Product: Credit reporting or other personal consumer reports

After multiple attempts with disputing unauthorized accounts with the fraud department I have not received any requested documentation connecting me to any of the accounts being disputed. I have run into issues with XXXXXXXX XXXX upload portal to provide follow up documentation and when I called to resolve the issue I was met with an agent responding with the website seems to be having some sort of " lag ''. His advice was to continue attempting the upload and that he could close my dispute and reopen them to restart the investigation thus giving the creditor yet a fresh 30 day resolution time. The consumer reporting agencies are violating my consumer rights under 18 U.S. Code 1028A as I have reported to the agencies that I have filed now multiple IDENTITY THEFT REPORTS with the FTC and still no resolution as they respond they aren't able to verify the document even when provided the REFERENCE NUMBER.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with XXXX XXXX XXXX, everything has to be 100 % accurate on my credit report. 

Re : Accounts XXXX XXXX Account # XXXX has violated my rights. 

The credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate, the date of last active is inaccurate, the high credits are reporting differently and the date last reported is also inaccurate. 

This is grounds for removal and they have violated my rights under 15 U.S.C. 1681 section 602 A states I have the right to privacy.
Product: Money transfer, virtual currency, or money service

I received a job offer for a company called XXXX XXXX ( https : XXXX ) on XX/XX/XXXX. XXXX XXXX, who is a HR Coordinator, contacted me to proceed and sent me an employment letter via E-mail XXXX. I found the job on XXXX.XXXX  conducted a job interview through XXXX XXXX  via XXXX. 

On XX/XX/XXXX I received checks from XXXX XXXX to purchase a remote work equipments. 
He asked me to deposit it on my bank account to purchase the equipments through one of their vendors. So I did so. 

On XX/XX/XXXX, XXXX asked me to send {$2400.00} to XXXX XXXX through XXXX on my Bank of America account. XXXX 's phone number is XXXX. 
I made the money transfer as he said. 

Finally I found out the information that the checks I have been sent are fake. I immediately contacted a customer support of Bank of America to stop the money transfer since it is still in the process. However they are not helpful to stop the transaction even though I am scammed. They told me that XXXX is an automatic transaction, therefore it can not be canceled. 

I think they should make an effort to stop it and protect their customers. 
They are not helpful to solve the problem before it is too late. 

I attached the conversations I had with XXXX XXXX and offer letter I have received.
Product: Debt collection

I have contacted Target and paid me debt that was owed. When i paid i asked for a pay for delete. They agreed and did not removed this charged. This charge is hurting my credit. This account has been paid in full; and I am currently awaiting for the deletion letter as I am under contract for a house. Can someone please help me get this deletion letter asap due to this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a security freeze on my TransUnion credit report due to previous fraud on XX/XX/2023. On XX/XX/2023 I was alerted to two new inquiries & subsequent accounts on my report for student loans from " Dept. of EducationXXXX '' in Texas, which are NOT my accounts!! ( I am almost XXXX & live in another state. ) I have repeatedly tried to contact TransUnion by phone, online, etc. & they have me locked out to dispute this obvious identity theft. Since I established a security freeze prior, they should NOT have even allowed any accounts to be opened or inquired about without contacting me.
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 USC 1681 Section 602 States I have the Right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor many not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.