23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Background Information : My bank statements verify that I purchased this home in XXXX and have never missed a payment. Loan service provider at that time removed the XX/XX/XXXX payment to a suspense account to partially repay wrongfully deducted hazard insurance. The error was reversed and no further funds were withdrawn from payments. But the removed funds were never returned, incurring delinquency charges that I have never paid. Because of the error and improper late fees, my account consistently appears to be one month behind, even though I have never missed a payment. I sent multiple letters to the original servicer and to each subsequent servicer, providing documentation and explaining what had happened. Each company stated that the problem had been resolved, however I continued to be charged fees that I would never have incurred without the unapproved home insurance payment. 

A new service company assumed responsibility on XX/XX/XXXX. I wrote to them in XX/XX/XXXX affirming my position. They answered in XX/XX/XXXX that there was no discrepancy after reviewing records from XXXX to XXXX with the attached records showing no late payment. I would have to pay {$9100.00} immediately. 

The current issue and reason for this complaint : A recorded phone conversation to servicing on XX/XX/XXXX informed the service company that I would be paying principal and fees separately and asked for these two amounts on that day and routing numbers. On XX/XX/XXXX I wired {$270000.00} to the company with an expectation that the funds would be applied. On XX/XX/XXXX they returned that amount to my savings account, with no explanation why the payment was returned. I wired the funds a second time on XX/XX/XXXX and closed the savings account. On XX/XX/XXXX I received a notice of default with intent to accelerate and notice to initiate foreclosure on XX/XX/XXXX. I sent the late fees, {$9400.00}, on XX/XX/XXXX. That same day I sent the sum of {$3400.00}, a miscalculation of the interest on the principle for XXXX, XXXX and XXXX. The real figure was {$340000.00}. They accepted these funds as reflected in the XXXX billing. With the principal in hand, fees paid, and false interest tolerated, I had hoped that they would be satisfied. The principal was returned on XX/XX/XXXX, two months after the funds were wired to PHH, again with no explanation why the payment was being returned. XXXX XXXX applied the funds to my checking account. I rewired the principal to the servicing agency on XX/XX/XXXX. The principal was returned to my checking account on XX/XX/XXXX without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was looking for financing company for home improvement and stumble on XXXX. On their website it states the following below : Also, here 's the link : XXXX XXXX XXXX   & XXXX & XXXX & XXXX & XXXX Three steps is all it takes. 
1 Check Your Eligibility Youll receive your preliminary eligibility results in less than 60 seconds. Checking eligibility wont affect your credit score. 

2 Submit Your Application Get approved in minutes. Youll receive all costs and financing terms in an easy-to-read statement before your project begins. 

3 Choose a Contractor Use our website to search for local contractors based on rating and reviews, specialization and more. 


So I went ahead to check to see if I'm eligible, after completing the steps a hard credit inquiries was pulled from my credit. I called XXXX XXXX on XX/XX/XXXX to dispute the inquiry and that the fine prints was misleading to consumer " Checking eligibility wont affect your credit score. '' I told the representative that hard inquiries does affect the credit score but after she talk to someone she refused to help and gave me excused that I should have read all fine prints. They said they can't do anything about it and can't remove the hard inquiries. 

I called XXXX after I spoke to XXXX XXXX and XXXX representative told me that he can't remove the hard inquiry until XXXX XXXX told them to remove the it. He also added they do have the authority and ability to help me and remove the hard inquiry. After I told them they refused to help me - he suggested to go file a complain at www.cfpb.gov and request to have CIC credit to remove the hard inquiry from XXXX XXXX.
Product: Credit card or prepaid card

I had credit cards from Bank of America for both my business and personal, I made all payments on time once I tried to request to increase my credit for my business account after many years, but Bank of America close all my credit cards personal and business. I tried to talk to them, they said you will receive an answer by mail which I didnt receive anymore, again I called them finally they said this is XXXX department decision!!! I asked them why only for request to increase??? Again no answer
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I noticed some fraudulent accounts. Please delete these entries from my report, as they are stopping me from getting credit. I do not recognize these accounts. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}
Product: Money transfer, virtual currency, or money service

I lost my phone and the stranger that returned it gave it back only after sending money to someone using my XXXX XXXX
Product: Mortgage

Sent my XX/XX/XXXX mortgage payment by mail on XX/XX/XXXX, the mortgage servicer cashed the check but never credited my account and charged me a duplicate payment to avoid defaulting on the mortgage. I sent proof of payment showing that they cashed the check and they sent me a reply saying there's no error on their part and they never received the payment. I need help because emails are sent to a " research team '' and phone calls are answered by customer service. I can never speak to a member of this research team. I spoke to customer service who said to send in a copy of the back of the check with the company 's endorsement, which I did and they still are refusing to credit my account for the payment they cashed. I am unable to reach a resolution with the company on my own and need assistance. Additionally this is now on my credit report, including derogatory remarks on my credit that I want fixed as I have not been late or missed any payments.
Product: Debt collection

On or about two weeks ago, this company begin to call me repeatedly about a debt/collection via XXXX XXXX Account. I advise the gentleman that this account was already disputed many months ago with XXXX XXXX as the result of Identity theft. The accounts were removed from my reports and then I started receiving these notices. I explained to someone named XXXX or XXXX ( spelling ) that I had copies of Police reports and my ID Theft Affidavit. He became rude and kept saying I owed the debt and I needed to pay up or else. I hung up on him and never heard anything back from this company until i received this notice in the mail from Constar Financial Services and again it's regarding the same matter. 

This company is not taking measures to protect me and has been constantly calling me regarding this up till I received the notice in the mail of an attempt to collect a debt and this could possibly go on my credit. 

Please be advised that I am again attaching docs to prove what i further stated before. This was the result of identity theft I clearly am requesting this company to stop harrassing me regarding this alleged debt and furthermore I am not authorizing them to insert any actions on my creidt reports as this is clearly not my account. I have current ID Theft reports in place on my credit reports, but CONSTAR STILL REQUESTED my credit report from XXXX and XXXX, although I did not give authorization to do so.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Incorrect Information from My Credit Report Complaint Number : XXXX Dear CFPB Team, I am writing to follow up on my previous complaint submitted on XX/XX/year>, regarding an incorrect late payment inquiry on my credit report from Equifax. Despite the fact that the payment in question occurred in XX/XX/year>, it was mistakenly reported as late in XX/XX/year>, which is inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ), if the disputed information can not be verified within a reasonable timeframe, it must be removed from my credit report. Specifically, Section 611 ( a ) ( 5 ) states that if the information can not be verified, it must be deleted from the consumers file. 

Given that the payment information has been shown to be incorrect, and Equifax has failed to resolve the dispute within the legally required timeframe, I respectfully request that the incorrect inquiry be completely removed from my credit report. This erroneous entry is negatively affecting my credit profile, and I seek your assistance in ensuring its removal in accordance with the FCRA. 

Please let me know if further documentation is required from my side to expedite this process. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  : Account number : XXXX, I am disputing the inaccurate reporting of the date of last activity for this account by XXXX ( XXXX ), XXXX ( XXXX ), and Equifax ( EQ ). XXXX reports it as XX/XX/XXXX, XXXX reports it as XX/XX/XXXX, and EQ reports it as XX/XX/XXXX. This inconsistency not only violates credit reporting regulations but also does not correspond with the information in my records. Additionally, XXXX, Equifax, and XXXX are incorrectly reporting the account type as an auto loan. The account you are reporting is identified as an " installment loan, '' which is also factually incorrect. The true account type for this account is a " Credit Sale Agreement. '' I have the right to an accurate credit file, and discrepancies like these are unacceptable. Please remove this inaccurate information from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my XXXX report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, XXXX is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/21 requesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/21. 

As of today, XX/XX/21, this error is still being reporting as it previously was on on my profile ... in error.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity-theft as my personal data has been compromised by someone and used for some time now for them to open or attempt to obtain benefits from various sources over some years now. I have filed several reports previously to the FTC, CFPB and local Authorities to obtain some resolve to this ongoing illegal and unauthorized activity. I can not obtain the credit I personally deserve because of the credit others have illegally obtain under the guise of my personal identity. They have obtain Student Loans, Auto Loans, Medical Services, Housing and others financial benefits without any authority from myself and I need it to stop immediately and my good name restored.I will be seeking relief from the Attorney General Office of Michigan if this is not cleared up immediately pursuant to FCRA 605 ( b ).
Product: Student loan

The servicer " Edfinancial '' is unreachable via phone, email and chat. 

The chat shows unavailable. 
The phone line says busy and will not call back with the callback option. 
The servicer will not respond to email. 

I have already been charged late fees and it is affecting my credit. I have no income and need to apply for SAVE plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent and not my account. The police were notified back in 2018 and JPMCB is reporting negative and adverse information to XXXX XXXX, XXXX, and XXXX for an account that was not mine. JPMCB finally discharged the fraudulent account yet still reports adverse information and is destroying my credit for a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collector : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$340.00} Collector : XXXX XXXX  Account Number : XXXX, XXXX Balance : {$320.00}, {$320.00} Collector : XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Collector : XXXX XXXX Account Number : XXXX Balance : {$230.00} This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I've been working on these accounts and I'm on my fourth dispute letter. I still see some information on the items such as the date of last activity which is reporting on three different dates. There is only one original source so the dates should be the same for all three bureaus. The XXXX XXXX XXXX is reporting on three different dates. I have asked the credit bureaus to re-investigate the account and correct the reporting but there have been no changes at all to their reporting.
Product: Credit card

On XX/XX/year>, I made a payment of {$900.00} to my U.S. Bank credit card, expecting that the funds would be promptly available as credit. However, my available credit was not updated after the payment was processed. I contacted U.S. Bank multiple times ( on XX/XX/XXXX, XXXX, XXXX, and XXXX ) to inquire about this issue and request a resolution. 

On XX/XX/XXXX, I initially reached out via chat, where the representative advised me to call for more information. When I called, the phone agent informed me that the funds would be available the following day. However, during the chat session, I was also told that the funds would not be available until as early as XX/XX/XXXXXXXX XXXX or as late as XX/XX/XXXX, with a typical hold period of 7-10 calendar days. As of today, the credit is still not available. 

This delay has significantly impacted my ability to access the credit I need for timely bill payments. I was not informed about this hold policy before making the payment to my credit card. If U.S. Bank had disclosed this delay in advance, I would have made other arrangements. The lack of transparency surrounding this policy has led to financial hardship, as my bills are now delayed due to this unexpected restriction on my funds.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have account listed on my credit report that i didn't authorize or consent to open. several requests for my consume report have been made that wasn't authorized ( see attached ftc report under personal statement )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have disputed this XXXX XXXX account on my credit with equifax and each time equifax states they have verified this account. I have asked equifax to validate this account by sending them a METHOD OF VALIDATION letter that I have attached as a document with this dispute. I have a XXXX score and this account is damaging my credit to the utmost. Equifax has had a breach and I explained to them that this account is a identity theft accountXXXX XXXX and XXXX has removed this erroneous account but equifax keeps sending me this PRE-MADE letter stating it was verified but will not provide and documentation to show this account was validated. Equifax takes my score and drops it tremendously. Equifax breach has caused a lot of damage. E-Oscar is a computer software with glitches and this is definitely a GLITCH! 
I demand this fraudulent account be removed immediately. FCRA ( 609 ) ( e ) documentation is what I have sent to Equifax. I am trying to resolve this matter before obtaining legal representation.
Product: Checking or savings account

My account has been blocked for no reason and I cant access my funds. Its been weeks now and my funds are needed for my familys everyday necessities including rent. This has caused exorbitant XXXX  and inconvenience for my family. 

I have filed complaint with Citibank Executive Response Unit at : XXXX Case Number : XXXX Case XXXX : XXXX Account number : XXXX Account type : personal checking account Account holder Name : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disappointed about the fact that I have initiated so many attempts to try and reach out your company about this concern- which none has been resolved so far. I don't know if this is intentionally ignored, but I am more down than I have been the past years because of these inaccuracies affecting my credit scores.
Product: Debt collection

complaint about Rash Curtis & AssociatesI had no clue what this account was back in XX/XX/XXXX .... I was contact by a company XXXX XXXX XXXX and was told i had XXXX accounts with home plus and was over {$3000.00} not knowing what this was but was trying to clean my credit i paid there settlement o XXXX releasing me from these account and they said they would report to all XXXX credit bureaus. I have been fighting to get theses off my credit I made a few phone calls and got know where. rash curtis just gives me the runaround and cant provide any documentation. now there re-reporting and changing the dates from XX/XX/XXXX to XX/XX/XXXX?? i have a documents to prove this was paid and that they contentiously are change how they report on my credit report.
Product: Student loan

I went to XXXX XXXX XXXX XXXX, in Florida when online distance learning was brand new. I recently found out that the school is closed, as of 2017. Navient is charging an absurd amount of interest rate on top of still charging me the fee that the school charged when they were open. 

It's to my understanding that the loan, both of the loans from XXXX XXXX XXXX, can be XXXX if the school is closed. I've uploaded documentation stating that the article shows the school is closed, it's a legitimate article and how much Navient is charging as of to date. These two loans need to be XXXX or I will seek legal arbitration. They are already charging me an asininely crazy interest rate, which I know is set by congress. It's hard when you're pay check to pay check, then no one tells you that your school closed. That's unethical and immoral. And yet to still charge fee 's for that loan. Navient should not be allowing to charge consumers, on a loan where a school is closed. Thanks XXXX
Product: Debt collection

I received a letter in the mail on XX/XX/2020 informing me that I {$960.00} to PayPal , Inc . I have never used a PayPal account so I have no idea where this notice is coming from or how I would owe them that much money. I am not even sure where this came from because the letter was addressed to me using my maiden name and I have been married for over two years now and do not use my maiden name for anything.
Product: Mortgage

On XX/XX/XXXX my Attorneys sent CALIBER HOME LOANS, XXXX XXXX XXXX XXXX. and the XXXX XXXX XXXX XXXX C/O: XXXX XXXX, at XXXX XXXX XXXX, XXXX, XXXX, TX XXXX, along with a copy to the Attorney General of Texas, and the Department of Justice of the U.S., FBI, Fraud Investigation Department, along with XXXX XXXX XXXX, XXXX, ( Servicer ), the attached letters requesting TILA documentation under Regulation X and to date, they have still not replied. On my Deed of Trust signed on XX/XX/XXXX ( attached ), specifically on page 13 of 16, number 24, it clearly states that only the LENDER can substitute the alleged TRUSTEE. Yet on or about XX/XX/XXXX, XXXX XXXX XXXX, acting as Vice President of/obo Attorney in Fact for Caliber Home Loans, Inc., the  SERVICER, allegedly assigned my Deed of Trust to XXXX XXXX XXXX XXXX, ACTING AS TRUSTEE FOR THE XXXX XXXX XXXX XXXX at the same address as Caliber Home Loans, XXXX XXXX XXXX, XXXX XXXX OK XXXX, which we believe to be a fraudulent document recorded on Public title which is a felony. Also, there is no mention of the assignment of the Note which violates the FCPA, 15 USC 1641(f)(g).
Product: Credit reporting or other personal consumer reports

I have a an account balance of XXXX from a credit card I never inquired about applied for or anything of the sort
Product: Credit reporting, credit repair services, or other personal consumer reports

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation : XXXXXXXX XXXX to be removed XXXX XXXX XXXX XXXXXXXX XXXX these accounts were fraudulently opened and charges were made that i was not aware of, i was also threatened by the criminals to do certain things i did not want too. the companies will not remove the charges and holding me responsible. the fbi was contacted and police report filed. XXXX, Transunion and XXXX are hindering my credit the accounts numbers do not match, date opened, payment amounts, there are a lot of discrepencies.