23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

THIRD COMPLAINT AGAINST PHH MORTGAGE SERVICES It has been over a month that my insurance company issued checks to repair my home from the Woolsey Fire in CA. We were declared a national disaster. PHH Mortgage has given me wrong and conflicting information regarding the Exception that WAS granted as evidenced by their letters dated XX/XX/XXXX and XX/XX/XXXX. A representative from their " escalation '' department also confirmed on XX/XX/XXXX that my checks had been returned to me and in accordance with this letters. However, she gave me wrong information and the checks arrived not endorsed by the bank today. 

You will see from the attachments to this complaint that on their online portal, my information ALSO reflects the Exception -- in that all I needed to do was complete repairs and do a final inspection. And now ... they had the audacity to send a completly contradictory letter a week later dated XX/XX/XXXX stating they want to hold my money, do their own process and are ignoring the fact that OVER 50 % OF THE REPAIRS ARE ALREADY DONE. 

This is added insult to injury. It is also causing severe economic damage to me and my family because I can not even attempt to go back to work until the inside of the house is completed. I need my insurance payments to do these repairs immediately. It is appalling that banks are allowed to get away with their lack of accountability! They need to honor their original letters from XX/XX/XXXX and XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know anything about this account
Product: Student loan

. I got a notice from a credit card that my score has been reduced. I checked an old email account and found that on XX/XX/XXXX I received an email from Nelnet stating that I owe interest on a very old student loan. My credit score dropped by over XXXX points because of this old loan. I tried to log in to start making payments but I do not have the pass word and for weeks I have been trying to log in but the website isn't working properly and I can't get anyone to talk to me there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has posted XXXX Inquires in days on my report not authorizing any permission to do so FCRA Section Code 1692g
Product: Credit reporting or other personal consumer reports

Account XXXX disputed an attempt to find out whom and what is item on credit report on XXXX  No information received regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$7800.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Mortgage has been reporting an unsecured personal line of credit tradeline ( that was originally originated by Washington Mutual and transferred to Chase through the WaMu acquisition ) as a mortgage product on my credit report for XXXX years. When I disputed the tradeline with XXXX in XXXX of XXXX, Chase Mortgage reported the account as still open, but was unable to locate the account when I called the number referenced on the tradeline ( XXXX XXXX XXXX ) and provided the account number listed on the XXXX or my PII ( XXXX, XXXX XXXX XXXX XXXX  ). The tradeline both before and after my XXXX dispute indicates the tradeline was paid and closed, with a last activity date of XX/XX/XXXX and a closure date of XX/XX/XXXX. I have attached the tradeline information from the dispute response from XXXX.
Product: Credit card

Complaint Against Citi Bank for FCBA Violations and Unfair Practices, Im filing this complaint against Citi Bank for unfair billing and potential Fair Credit Billing Act ( FCBA ) violations. In XX/XX/XXXX, I disputed a {$520.00} XXXX XXXX charge on my XXXX XXXX XXXX XXXX initially as fraud by mistake, but later clarified it was for incorrect fees. Citi Bank charged {$160.00} in interest over 9 months during the dispute, forcing me to pay {$690.00} in XX/XX/XXXX to XXXX  the balance. I closed the account in summer XXXX. Since XX/XX/XXXX, Citi has charged ongoing fees, notified to me in XX/XX/XXXX, continuing through my XX/XX/XXXX statement, damaging my credit, despite no activity. 

Citi Banks XXXX ( XXXX ) : Before my XXXX payment, Citi said XXXX denied my fraud dispute, citing a rental agreement I signed, and they cant change the dispute reason. They declined credit, added a disputed note to my credit file until paid, and closed the matter, directing me to XXXX. 

My XXXX ( XX/XX/XXXX ) : I told Citi I mistakenly filed as fraud, clarified it was about fees ( no roadside assistance used ), and asked to reopen the dispute and restore my payment status. They never responded to my XXXX reconciliation attempts or my XX/XX/XXXX email. 

XXXX Violations : Interest During Dispute : FCBA ( 15 U.S.C. 1666 ) bans interest on disputed amounts during investigation. Citi charged {$160.00} over 9 months ( XXXX XXXX ), unfair and illegal, even if misclassified. 

Post-Payment Charges : After paying {$690.00} in XX/XX/XXXX, XXXX implies no further fees on a XXXX balance ( consumer.ftc.gov ). Citis fees since XX/XX/XXXX through XX/XX/XXXX violate this. 

Credit Damage : XXXX ( XXXX XXXX. XXXX ) prohibits adverse credit actions post-resolution. Citis reporting hurts my score. 

Unfairness : I accidentally filed as fraud, but Citi ignored my XXXX attempts to correct it to fees, charged interest illegally for 9 months ( {$160.00} extra ), and now adds ongoing fees since XX/XX/XXXX on a closed account, only notifying me in XX/XX/XXXX. 

Appeal : I request : XXXX ) Investigate FCBA violations ; 2 ) Cancel fees from XX/XX/XXXX onward, as Im still being charged ; 3 ) Remove credit damage ; 4 ) Refund {$160.00}. Ive attached payment proof ( {$690.00}, XX/XX/XXXX ). Citis non-response and actions lack fairness. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a follow up to my original letters dated below. Regarding inaccuracies in the below mentioned credit bureau 's file on me, as it relates to credit inquiries & fraudulent accounts ... Experian, XXXX and XXXX XXXX ... Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XXXX 
I sent a copy of all outstanding and outdated information along with unauthorized inquiries requesting the removal of the items.. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Therefore, I am requesting an investigation under 611 FCRA. Please also comply with Section 609 of the FCRA. Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon requests, and subject to 610 ( a ) clearly and accurately disclose to the consumer. Identification of each person ( including each end-user identified under section 607 ( e ) that procured consumer report. I'm requesting you reinvestigate and delete the following " unknown '' accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the CFPB and the Attorney General 's office. Should you continue in your non-compliance.
Product: Debt collection

I was staying at XXXX XXXX XXXX I had paid off everything the apartment was clean and left with no garbage or no damage. I spoke to XXXX asking her proof of damage that was claim that was left in the apartment she said she do not keep these information the collection company has it when I spoke to someone about this they sent me a bunch of paper with picture how can admit to anything when there is no substantial proof I even offer to pay the last month rent to settle they denied it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX used vehicle loan open in XXXX went in to chapter XXXX XXXX XXXX XXXX tagged my experian report with 24 late payments when they knew the trustee was paying under my plan they knew these late pays were false when they entered them they need to be made to remove them immediately entries were made during XXXX and my chapter XXXX XXXX just discharged XX/XX/XXXX they legally could not report anything negative then the bankruptcy
Product: Payday loan, title loan, or personal loan

Went to a XXXX store on XX/XX/2023. My car needed XXXX XXXXXXXX repairs and as a XXXX XXXX, I dont have that much money. The manager told me to scan a code on a sign in the store. He even helped me apply on his computer. He told me I was approved for {$2700.00}. I told him to do the work. The loan documents werent printed out until the work was done and I was checking out. The interest rate was 178.99 % and the installments were {$440.00} for 12 months. The name of the company is Easy Pay Finance aka as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX. 
There was a 90 day grace period in which the fee was {$40.00}. I had to borrow money to pay this outrageous loan off. I never wouldve allowed the work to be done if I knew the terms of the loan beforehand. I realize I was at fault for not asking to see the documents before the loan was applied. I am having trouble paying the amount of the repair back since I am retired on Social Security and a very small pension. Any help would be appreciated. This total usury of a XXXX XXXX 
The name of the store was XXXX XXXX XXXX XXXX XXXX NJ XXXX The repair was performed on XX/XX/2023 and the amount of the repair was {$2400.00}
Product: Credit card or prepaid card

On XX/XX/2021 Wells Fargo added a Bank adjustment in the amount of {$61.00} listed as other miscellaneous purchases and the modes were not available. My account has a XXXX  balance. I need to know why Wells Fargo put this amount {$61.00} see attached
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Submitted On Time : My payment for XX/XX/year> was submitted before the due date, as indicated by my bank statements and payment confirmations, which show that the payment was processed well in advance of the due date. There is no valid reason for this payment to be recorded as late. 
System Error at XXXX XXXX : XXXX XXXX experienced a system error during the payment processing period, which delayed the application of my payment. This error was acknowledged by their customer service team, and I have attached email correspondence from XXXX XXXX confirming this issue. 
Inconsistent Reporting Across Credit Bureaus : The late payment was reported by all three bureaus, but the dates and details vary across the reports, creating inconsistencies. This suggests that an error occurred in transmitting the payment information, as my payment history should be uniform and accurate across all credit bureaus. I have attached copies of the discrepancies in my credit reports for reference.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I viewed my consumer reports a few weeks ago and found XXXX XXXX XXXX, a debt buyer, reporting a unverifiable and unvalidated account on my reports. Equifax and XXXX has allowed XXXX XXXX XXXX to report this account without any proof of claim. Neither XXXX XXXX XXXX, XXXX, or Equifax has provided any accurate information to report this account on my consumer reports. No wet signature contract and copies of the consumer credit card statements are not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, i sent a letter to Equifax for reporting inaccurate information on my account, i received a letter on XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting method of verification, received a letter dated XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting for the method of verification, i received a letter dated XXXX/XXXX/XXXX stating verified as accurate. They failed to provide me with the method of verification twice, and failed to provide a response within the 15 day time frame. I have also contacted the company and has not received any response from them.
Product: Credit reporting or other personal consumer reports

XXXX sent a report of a delinquent account balance XX/XX/23. The Balance was {$32.00}. 

Ive attempted to open my personal bank account and have been unable to due to a soft check being pulled this delinquent balance/status still showing. This has been ongoing for the past 4-5 months. Ive contacted ChexStystems and reached out in order to have this closed out resolved status balance removed from my record in order for me to open my new personal bank account. ChexSystems failed to do so and instead sent me a history of my report saying is shows updated on their end and their hands are tied. A resolved paid balance should not prevent me from opening a bank account in the future/present. Not to mention several other reports on my report that i dont recognize/have never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went down to my local police station and filed a police report when I discovered accounts has been manufactured in my name. I had the police report stamped and I filed a repot with the FTC. In addition, I went and saw a notary and had all documents notarized.

I submitted the documents/information to the bureaus and the unknown information remains on my credit an I have not received a new credit report to show the information was disputed. 

XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX US BKPT Identification Number XXXX US BKPT Identification Number XXXX
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 Account Number : XXXX Account Name : 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: Debt collection

Received phone call from Credit Collection Services XX/XX/year> about debt. Representative asked me to confirm the account using my address, but responded no as I did not know the reason for the debt. Representative explained debt was associated to XXXX XXXX auto policy. Provided information. Called company back within XXXX minutes and spoke to different representative who asked me to confirm my address. Told him no, but gave him the debt was related to XXXX insurance. Rep said he could not continue to provide info since I would not verify my address. Canceled the call with company,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhard v. gravens ( mo ) 281 SW 715,719 I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Mortgage

To whom it may concern, This is the second time I am filing a complaint about this mortgage company. The last one filed was XX/XX/XXXX and was resolved around the beginning of XX/XX/XXXX. COMPLAINT ID XXXX. I am hoping that your agency still has that on record. Once they sent letters to you and myself, things were fine for a couple of months. Starting in XXXX though, it all started back up again. I was getting mail notices and phone calls saying that I was behind on my mortgage, however I am not! I have made numerous attempts to contact XXXX XXXX who had been my point of contact but is no longer, as far as I can tell. Today when I went to pay my mortgage online like I normally do, Shellpoint has blocked me from making a payment, this also happened prior to my last complaint. I am also blocked from making a automated phone payment and when I call the company, I am directed only to what I assume is a new point of contact who does not answer and possibly has a full voice mail. I have been told by the company that because of the type of loan I have, their system does not recognize it and so payments are not applied to the remainder of my loan. They did though say in writing to you and myself, that this would be resolved ( XX/XX/XXXX ) after many attempts to contact him, on XX/XX/XXXX I did receive a response email from XXXX XXXX stating that he would add in additional comments to my account, which should straighten things out. Apparently that did not happen as I am now blocked from making payment. I am at a loss and beyond frustrated with having to deal with this and it's now been almost a year, since it all started. Their next move, if it is to be like last time, will be that I get a letter from an attorney about foreclosure. This is truly unacceptable, my credit has been affected and well I am very tired of having to spend so much of my time either trying to call them, emailing with little or no responses, answering their calls from the people they hire to call to tell me I am behind in payments, when I am not, and writing letters of complaint. I can not stress enough the fact that I have not so much as been late on any payments in the past 10 or so years. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold my account for non-payment to XXXX different XXXX XXXX companies for XXXX different amounts when I only had XXXX account and owed less than ( {$2900.00} ) which was the original in-store credit limit. But they sold to XXXX XXXX for ( {$4300.00} ) and XXXX XXXX XXXX for $ ( XXXX ). Both Credit companies has reported they are the original creditors and they are not and I only had ( XXXX ) account with XXXX XXXX. Helzberg Diamond closed this account on XX/XX/year>. And now XXXX XXXX is suing me for ( {$4300.00} ). How is this even legal to sell my debt at XXXX different prices and to XXXX different companies, and not to mention lie on my credit report along with the credit collection companies?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds in XXXX hours stating the account is accurate, without providing ant evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.C.S. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a0 ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are wrong and have been placed back on my credit report after they were deleted, see dates of deletions XXXX-XXXX-19, XXXX-XXXX-19,XXXX-XXXX-19. 

Bankruptcy # XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any accounts or transactions that i have made. It is the result of identity theft. 

The two following Closed accounts need to be blocked and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please block this information from my credit report, pursuant to section 605B of the fair credit reporting act, and send the required notifications to all furnishers of this information.

Enclosed are the following : SOCIAL SECURITY NUMBER, UTILITY BILL, GOVERNMENT ID, a copy of ftc identity theft report and proof of my identity and copy of section 605b of the fair credit reporting act which requires you to block the fraudulent information on my credit report resulting from identiy theft within four business days and to prompt notify the furnishers of that information.