23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr. Cooper held the mortgage on my prior home. I sold my prior home, and Mr. Cooper provided the banking information to the title agency to which the house sale proceeds should be wired to, in order to settle my home loan. Mr. Cooper failed to tell the title agency that it had transferred the loan to XXXXXXXX XXXX prior to closing, and fraudulent accepted the money, when it should have gone to XXXX XXXX instead. Now, I am stuck in the middle trying to get the money from Mr. Cooper to XXXXXXXX XXXX so this mortgage can be settled. I would like Mr. Cooper not only investigated for fraud, but to resolve this issue on their own as it is completely their fault.
Product: Credit card

We have a USBank credit card and received the 'free ' interest rate checks. The offer was 18 months no interest. We paid a dental bill with XXXX check and interest to start XXXX XXXX if not paid in full. 
Later in the year they sent checks again offering 18 months with no interest. We used XXXX check to pay for a hot water heater repair interest to start XXXX XXXX. 
Finally had to use the offer of 18 months with not interest. We used XXXX check again to pay a dental bill. 
Now we have XXXX outstanding amounts XXXX is due to expire XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. We sent in a large payment expecting it to go the XXXX XXXX charge [ note as of last month no outstanding balance other than the checks on the card ] Checking my statement found USBank applied the payment to the XXXX XXXX balance and only applied the minimum to the XXXX XXXX balance. 
When I called and finally talked with a supervisor asking for documentation that I should have received regarding this practice she stated the payments all GO to the HIGEST interest rate. Interesting all my XXXX checks have the same interest rate. So I will be paying off the oldest amount first and will be charged interest on the others as they become due unless I borrow money to pay off the full amount before XXXX. 
The supervisor stated they get a lot of complaints and they are looking into changing the rules. She did advise to make the minimum payment until XXXX. Once I am charge interest on the XXXX XXXX invoice pay it in full. Then continue to make minimum payments until the XXXX XXXX invoice is due then pay in full or make higher payments and the payments will all go against the XXXX invoice. 
XXXX last thing we do have a small recurring charge for newspaper delivery. Now we have to also pay minimum interest of {$2.00} due to the free interest total amount. Just removed that recurring charge to another card. 
I have only used a XXXX XXXX card with XXXX finance for 18 months. Have had more than XXXX purchase and they always apply to the oldest charge first. Never an issue. 
I will never use USBank card again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Equifax Information Services Dear CFPB and FTC, I am writing to formally file a complaint against Equifax Information Services for multiple violations of the Fair Credit Reporting Act and for infringing upon my privacy rights. My specific concern involves inaccurate information that Equifax has furnished regarding my account with XXXXXXXX XXXX XXXX XXXX, which ends in XXXX. 

Despite disputing this inaccurate account for over four years, Equifax continues to assert that this account is verified, which is untrue. I have confirmed with XXXX XXXX XXXX that my information has been opted out of sharing with non-affiliated third-party companies. This means that Equifax should not have any basis to verify this account as accurate. For your reference, you may contact XXXXXXXX XXXX XXXX at XXXX to confirm this information. 

In addition, I am including a transcript of my conversation with XXXX XXXX XXXX regarding this matter, as well as all correspondence from Equifax that demonstrates their stall tactics and claims of being unable to locate my credit file. 

The violations I am reporting include, but are not limited to : 1. Furnishing inaccurate information.

2. Failing to conduct a reasonable investigation into my disputes.

3. Infringing on my privacy rights under the Fair Credit Reporting Act.

Given the severity of these violations, I request that this inaccurate account be removed from my credit report immediately. Thank you for your attention to this matter, and I look forward to your prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am actively serving in the United States XXXX XXXX and am looking to use my VA benefits this year to purchase my first home with my husband. Upon review of my credit report, I noticed a 60 to 90-day late payment on my student loan ending in XXXX in XX/XX/2018. However, per review of my XXXX account : I made a forbearance payment XX/XX/2018. If forbearance covers me for 30 days, why is it that I was reported 60 to 90 days late on my credit report in XX/XX/2018? Please see attached. 

I monitor my account closely so based on this information, my account was current.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an error in the payment history of one of my accounts. The report falsely indicates that I made a XXXX late payment to XXXX XXXX XXXX XX/XX/year> XXXX when in fact the payment was made on time. It is imperative that all consumer credit agencies adhere to the Fair Credit Reporting Act ( FCRA ) and accurately report information. I have attached a copy of my report to support this complaint. I request your prompt investigation into this matter and the correction of the payment history for this account. Thank you for your attention and swift action regarding this issue.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX Freedom mortgage went into my loan without my knowledge and unprovoked added a note to my file stating disaster relief and then changed my payments that were listed correctly as on time from XX/XX/XXXX through XX/XX/XXXX to no information available and my credit score plummeted. Freedom mortgage then went in unprovoked and removed the disaster note but did not fix there reporting error and re report my XXXX through XX/XX/XXXX back to on time payments so my credit could be corrected and go back up. I have had ( 5 ) phone calls over the past XXXX months with them where each time they escalated the call to management and have confirmed my payments were on time and should be correctly reported as on time and in good standing. Each time I wait several weeks for this to be fixed and it has not been changed then its back to square one with a new representative and new manager who has no clue as to why it happened and i get every excuse in the book. There was NO storm, my payments for those months were ON TIME. My disputes through XXXX XXXX and XXXX said the issue was resolved but freedom still has not reported it correctly.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports-effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing : Please help me delete these illegal accounts from my credit reports. 

List of Items XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It should be updated to positive or removed using 15 U.S. Code 1681b - Permissible purposes of consumer reports it's been updated on my XXXX and XXXX but not my experian and there's not my signature on the contract
Product: Credit reporting or other personal consumer reports

( See attached for complaint ) Subject : Urgent : Unrecognized Collection Account Reporting Dear CFCB, I am writing to formally address the ongoing issue regarding the continued reporting of an unrecognized collection account from XXXX XXXX  on my credit report Account number # XXXX Despite multiple good faith attempts to resolve this matter, including my request for a debt validation letter from XXXX XXXX, they have failed to properly validate the account. The company has supplies a move out statement when I requested documentation showing my signature! 

I have enclosed copies of all relevant correspondence for your reference. Given that the debt has not been properly validated, I am concerned as to why this account continues to be reported each month. 

I respectfully request that you investigate this issue and remove the account from my credit report until proper validation can be provided. 

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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit card

I've consistently made sure that payments on this account are made on time, never allowing them to become overdue. However, I'm unsure why there are reports of late payment remarks on my accounts. According to XX/XX/XXXX Billing Error, this should be rectified.
Product: Credit reporting or other personal consumer reports

I am locked out of my XXXX and XXXX XXXX. I have contacted both of these companies with no results or investigation. I DO suspect fraud, as they are addressing me by " XXXX '' and I am not this person. They are putting things on my credit report as well! This is not my name. This is incorrect! I filled out their secure form with my driver 's license and heard nothing back! 

I received the following : Customer Experience XXXX XXXX, XX/XX/year>, XXXX to me Hi XXXX XXXX I'm sorry your Instacart account is locked. I understand its frustrating to not have access to your account. 

Fill out this secure form to request our specialized team to reactivate your account. A representative will get back to you within XXXX business hours. 

If you cant access the form, clear the cookies on your browser and select the link again. That should resolve the issue, but let me know if it doesnt. 

Please note, if you already filled out the form, no need to do so again! Our team is looking into your issue and will contact you with more information. 

Best, Customer Experience XXXX XXXX, XX/XX/year>, XXXX to me -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : Customer Experience [ XXXX ] Sent : XX/XX/year>, XXXX XXXX  To : XXXX Subject : XXXX XXXX XXXX XXXX I'm sorry your Instacart account is locked. I understand its frustrating to not have access to your account. 

Fill out this secure form to request our specialized team to reactivate your account. A representative will get back to you within XXXX business hours. 

If you cant access the form, clear the cookies on your browser and select the link again. That should resolve the issue, but let me know if it doesnt. 

Please note, if you already filled out the form, no need to do so again! Our team is looking into your issue and will contact you with more information. 

Best, Daily Transcriber XXXX XXXX, XX/XX/year>, XXXX to Customer I still do not have access to my account and you have my driver 's license. I will dispute any charges concerning this account, since I'm locked out of it. 

On XXXX, XX/XX/year> at XXXX Customer Experience XXXX wrote : Hi XXXX XXXX I'm sorry your Instacart account is locked. I understand its frustrating to not have access to your account. 

Fill out this secure form to request our specialized team to reactivate your account. A representative will get back to you within XXXX business hours. 

If you cant access the form, clear the cookies on your browser and select the link again. That should resolve the issue, but let me know if it doesnt. 

Please note, if you already filled out the form, no need to do so again! Our team is looking into your issue and will contact you with more information. 

Best,
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XX/XX/2022 RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.

THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.

My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit-reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. , I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts.

I demand that the following account be removed immediately : DIREC MGMT - XXXX - XXXX I know that as the consumer, I HOLD ALL THE POWER. As a ( MO ) XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. As a consumer and the one with ALL THE POWER, these inaccurate accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative. THESE INQUIRIES & ACCOUNTS ARE Inaccurate across all 3 Bureaus XXXX XXXX and XXXX. also, I certify that this request to block was made NOT in error, and My request to block information was NOT based on material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or money as a result of one or more of the transactions that I am seeking to block. If I received well and services, then please have a senior executive certify under the penalty of perjury that I in fact received goods and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ).

Also, I request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove it. 

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

I received a vehicle loan from XXXX XXXX XXXX XXXX with term of 72 months and scheduled payment of {$470.00}. As of XX/XX/2017 my account has been paid in full, however Equifax as well as XXXX XXXX XXXX XXXX Account Status shows OPEN with a balance of {$18000.00} and last update to this account XXXX XXXX. Ive called XXXX XXXX XXXX XXXX several times regrading this issues and submitted a dispute through Equifax as well.
Product: Debt collection

STATE COLLS is claiming that I owe them {$50.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Bank account or service

This is about Chase Bank. I wrote my roommate a check. We called to see about placing a stop on the check on XXXX/XXXX/2015 because I did not want it to make my account negative. The rep said there would be more fees accrued if the stop was placed on the check, and to have my roommate write a check to counteract it. We called XXXX seperate times before we ever deposited it, making sure it would n't be an issue. We were guaranteed it would go through since the roommate would have a positive balance in the account, but it would be overdrawn after it clears. He received a returned check fee, but the check went through on my end. My account was positive, the deposit was accepted. The rommate called the morning of XXXX/XXXX/15 and talked to a " specialist '' at Chase Bank. Told her that he received a returned check fee, but the check deposited in my account. She never, NOT ONCE, stated that the check was going to come back out of the account. Now they are telling us there is nothing we can do, it does n't matter that we were given wrong information that completely ruined my bank account. All they would do about the reps not giving us correct information is " file a complaint '' How many times do we need to contact a bank prior to depositing a check to make sure this is not going to happen? Is Chase not held liable for their actions and wrong information? Now I have a negative bank account that is going to take my entire paycheck to resolve and Chase will not give me ANY solution to the problem. My livelyhood is a stake. I have no idea how I am supposed to get to work with no funds to even pay for gas.
Product: Credit reporting, credit repair services, or other personal consumer reports

My phone was stolen morning of XX/XX/2022 and the thief downloaded an Apple Card in my name. I have already filed a complaint with Apple Card specialists that the card opened was fraudulent and that the charges incurred ( ~ {$4000.00} ) were also fraudulent. The thief also made fraudulent trades on my XXXX account, but nothing was withdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX recently reported to the 3 credit bureaus that our Home Equity Loan had multiple late payments. This has prevented the automatic underwriting process from being able to qualify us for a new mortgage. We presented evidence from our checking accounts that each and every month during the period where the late payments were claimed were in fact made. We submitted the evidence and the response from XXXX XXXX was a 200 page  document dump that did not relate to the Home Equity account, but a credit account which is closed. XXXX XXXX indicated in their letter and document dump that they had reviewed the account and had made the correct reporting of derogatory information. This response is not factually or legally correct. 

The company we are working with to secure a mortgage have reached out to XXXX, XXXX, Experian/XXXX and they have received the evidence and have refused to make the requested changes as well.
Product: Mortgage

The years since my wife 's XXXX XXXX diagnosis and XXXX in XXXX have seen her lose her career, after which I became her primary caregiver. We declared bankruptcy, discharged the following XXXX, and eventually secured her XXXX federal XXXX benefits this year ( XXXX ). 

As we prepared to sell our home last XXXX ( XXXX ) the head of our church congregation sent a {$700.00} mortgage payment for that month to XXXX of XXXX addresses listed on the bill. He chose the wrong address, and then sent XXXX payments ( {$1400.00} ) on XXXX check the following month ( XX/XX/XXXX ). 

We closed on our home XX/XX/XXXX, paid off the mortage, and moved to XXXX, XXXX  to find more affordable housing, Our latest bid for another home there was accepted last month ( XX/XX/XXXX ). Our closing date was set for XX/XX/XXXX, if I recall correctly. 

On XX/XX/XXXX, our loan XXXX called to inform us that he could not proceed with the purchase of our new home ( now still under contract, by the grace of XXXX ) without resolving what was showing on our three credit reports as a 30-days late payment from our former lender, Shellpoint Mortgaging Services ( formerly NewRez ). 

Shellpoint asked us to send a letter to resolve the problem. We overnighted that letter the same day ( XX/XX/XXXX ). We have had no word on their decision as yet. We have called at least three times. Anything you can do is appreciated. 

XXXX XXXX XXXX ( fomerly XXXX XXXX XXXX until XXXX ).
Product: Student loan

On XX/XX/XXXX I was told NOT ELIGIBLE YET : The number of qualifying payments to be considered for the Co-Signer Release benefit has restarted because a delinquent payment was previously made on your account. You can request a review of the Co-Signer Release benefit after you make 11 additional qualifying payments. 

On XX/XX/XXXX I was told NOT ELIGIBLE YET : The number of qualifying payments to be considered for the Co-Signer Release benefit has restarted because a forbearance was previously used on your account. You can request a review of the Co-Signer Release benefit after you make 6 additional qualifying payments. 

This is inaccurate information and I feel like I have been getting the run around for years.
Product: Credit reporting or other personal consumer reports

Experian is continuing to report a court settled matter on my credit report. XXXX case was dismissed for lack of prosecution because they could not validate or prove their is a debt nor were they ever financially harmed by me, i have mailed the court order of dismissal to Experian and they still are reporting this false information on my credit report, this case was decided in the circuit/county court of the XXXX jurisdiction in and for XXXX XXXX XXXX XXXX, proof will be attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to have the following bogus information removed from my credit file since it has been a struggle. The ID THEFT REPORT I sent to my dispute letters has a list of the items I wanted erased. Due to identity theft, I was not the one who made the charges or opened the accounts. In accordance with Fair Credit Reporting Act Section 605b, I request the deletion of the entries to fix my credit report. I notified the Federal Trade Commission about the identity theft, and copies of the FTC 's Identity Theft Report are also provided. I hereby attest that I have not granted anyone access to my private or confidential records, and most definitely not to the allegedly inaccurate information that appears on my credit report. In accordance with FCRA Section 605b, I thus request that the Credit Bureaus promptly erase these details from my credit report with their company. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$33.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XX/XX/2022