23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a first time homeowner. I purchased my home with Freedom Mortgage back in XX/XX/XXXX. I was on-time with my payments until I got a notice in the mail in XX/XX/XXXX stating that I had an escrow shortage and that my payments would almost double if I did not send a check in for the shortage. My taxes were wrongly assessed, as I did not file for legal residence in my county before XX/XX/XXXX. This put me in the 6 % tax bracket for my home instead of the 4 % that I was originally placed in when purchasing my home. On XX/XX/XXXX, I filed the necessary paperwork to claim legal residence and get my property taxes reassessed. I let Freedom Mortgage know that this was the case and stayed in contact with both them and the tax assessment office. On XX/XX/XXXX, I received paperwork from the tax assessor 's office, which contained my updated/corrected taxes for this year. I sent this to Freedom Mortgage and contacted them regarding this issue. 

I contacted Freedom Mortgage this week to check on the status of my escrow and tax issue. The representative let me know that they have an estimated finish date of XX/XX/XXXX to get my escrow account corrected in order to bring my mortgage payment back to its original amount. Freedom Mortgage will not escalate this ongoing issue unless they do not have it corrected by XX/XX/XXXX. I have not been able to make payments since this all started back in XX/XX/XXXX. This, of course, has been an ongoing issue for almost three months with my mortgage company, which is absolutely astronomical. I will NOT go into foreclosure or file bankruptcy because of a mistake that my mortgage lender refuses to fix in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed letters to the credit bureaus XX/XX/23, along with an ftc report as i was a victim identity theft. The credit bureaus Equifax, XXXX, XXXX have ignored my complaints.And i have sent out another set of letters reguarding this inaccurate information. 

*Creditor : XXXXXXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX, Account : XXXX *Creditor : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), Account : XXXX *Creditor : XXXX, Account : XXXX XXXX : DEPTEDXXXX, Account : XXXX *Creditor : DEPTEDXXXX, Account : XXXX
Product: Credit reporting or other personal consumer reports

In light of the CFPB suing Equifax for false investigation inaccuracies on my credit report, please write me an aggressive dispute letter to get all negative items taken off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate and Negative Items on My Credit Report To Whom It May Concern, I am writing to formally dispute several negative items on my Equifax credit report that are either inaccurate, unverifiable, or incomplete. Recent legal actions by the Consumer Financial Protection Bureau ( CFPB ) against Equifax for false investigations highlight a troubling pattern of negligence that calls into question the credibility of your investigative processes. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct thorough and accurate investigations of disputed items. The continued reporting of inaccurate information violates my rights as a consumer and demonstrates a failure to meet your legal obligations. 
: All negative accounts that I disputed numerous times. and I was misled by Equifax. 

I have copies for all of my disputes located on my CFPB account. 

Reason for Dispute : e.g., " Account is not mine, '' " Incorrect balance, '' " Paid in full, '' etc. 

However, as the burden of proof lies with you and the furnishers of this information, I demand immediate removal of these items unless you can provide verifiable evidence proving their accuracy.

Considering the CFPB 's lawsuit, it is evident that Equifaxs previous investigative practices may have been inadequate. If these issues are not resolved within the legally mandated 30-day period, I will have no choice but to escalate my complaints to the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I reserve the right to pursue legal action for violations of the FCRA and any resulting damages caused by inaccurate reporting. 

I expect a timely and thorough response to this dispute, along with a corrected copy of my credit report reflecting the removal of the disputed items. Failure to act promptly will be interpreted as further negligence and bad faith. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 ( see attached statement ), I received my monthly USAA Credit Card statement showing a new balance of {$1800.00}. This total was the combination of the previous balance ( re-assigned to a cash advance status years ago ) of {$1800.00} added to the interest charge of {$17.00}. On XX/XX/2020 the entire balance was paid in full via electronic transfer from a USAA checking account. 
On XX/XX/2020 ( see attached document ) I received another monthly statement showing a balance due of {$6.00}. This had been calculated by using the previous total balance due and applying a daily interest rate based on the number of days before the balance was paid off in full. Those numbers being {$730.00} added to the interest of that sum {$6.00}. As the entire balance had been paid the previous month, I did not read the statement until XX/XX/2020, at which time the new total of the accumulated interest charge was again paid in full. 
On XX/XX/2020 ( see attached statement ) I received another monthly statement showing a zero balance due, but still a balance subject to interest of {$6.00}. This balance shows in the cash advanced balance, even though it is an interest charge. It therefore becomes a new balance that is subject to interest, creating the principle of charging interest on an interest fee. There was no option to pay the balance subject to interest, which as mentioned, accrues daily. The statements are released 1 day after the billing cycle begins, thereby creating an endless loop of interest, becoming a balance subject to interest, but with no way to pay off the balance subject to interest. 
I have spent over 3 hours trying to explain and resolve this issue with the customer service reps at USAA. Most don't understand the math, but those that do insist that there will not be another charge even though I am showing a balance subject to interest. 
I believe that at best this is a critical error on the part of USAA and at worst this is criminally negligent or abusive behavior.
Product: Credit card

15 U.S. Code 1681 ( s ) -2 15 U.S.C S 1681 According to FCRA section 605B, it is illegal to report anything on my credit report without my permission. Please remove this
Product: Credit card or prepaid card

We scheduled and paid for in for a trip to XXXX  XXXX And paid the Full amount of {$5600.00}. 
The trip was scheduled for XX/XX/2020, The trip was never taken and when we went to reschedule our trip we found out book it was out of business they took our money and services were never rendered. 
We sent a letter to the credit card company on XX/XX/2020 requesting a refund And Barclays Visa denied our dispute. 
Please help us rectify this situation and get our money back for a vacation that was never taken
Product: Credit reporting or other personal consumer reports

Attaching ftc report Date : XX/XX/XXXX Dear XXXX, XXXX, and Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] 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. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts please delete ( Equifax ) 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  I don't recognize these lenders and I don't remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify and show permissible use **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 an 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate ..... 

( ( ( NOTE... VALID FTC REPORT ATTACHED ... AS WELL AS SOCIAL SECURITY CARD AN DRIVER LICENSE ) ) ) Thank you for your time and help in this matter. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself. RUSHMORE LMS is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( RUSHMORE LMS XXXX )
Product: Credit card or prepaid card

US Bank changed the Rewards program rules and benefits on their FlexPerks card for XX/XX/2018. The website shows a value of {$.00} per point for travel purchase. In addition to the travel site for purchasing air tickets they offer and instant rewards program. I called several times on XX/XX/XXXX to discuss the various benefits because I couldn't find it online. It was my understanding that the mobile instant rewards program worked the same way for travel. 

Since I didn't receive the point exchange text as I expected for an air ticket I purchased I called again on XX/XX/18 to get the problem corrected. After a considerable time discussing and waiting on hold I was told the instant rewards mobile program was valued at {$.00} for travel as well as everything else. I maintained that the website rules did not state any of that. I was told by the representative that they would find where the site states those rules. Again after a considerable wait I was told that the site doesn't state that but I would just have to take their word for it. 

As far as I am concerned it is false advertising. Although it may not be intentional it is definitely not what I understood. I am out the {$530.00} but still have the points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXfore Inquiry from XX/XX/2019 Bankcard XXXX/fore hard inquiry
Product: Credit card

I opened my first credit card about 6 years ago with Bank of America. I ended up closing my account 2 years after initially opening the account. There was a {$30.00} annual fee with this credit card. Those fees were paid in full with zero balance. Now, I am trying to refinance my house, and I have a {$18.00} balance that is long past due. I was never even notified about this past due balance. This is affecting my credit, and I need this {$18.00} balance removed immediately. I feel this balance is an error, but I am willing to pay the balance. I greatly appreciate any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Mortgage

In XX/XX/2005 purchased home with 20 - 80 loans. Over the years, these mortgage servicers changed from one to another as follows: XXXX XXXX to XXXX XXXX  to XXXX XXXX  to CIT to XXXX  and now XXXX.  In XX/XX/XXXX, $XXXX  (20%) loan was a reduction of principal due to spouse loss of job and HAMP in XX/XX/XXXX.  Currently,on my title search it revealed that the $XXXX  is still showing but is inactive based on XXXX  recording system that CIT Bank NA XXXX, CA is the ID servicer of this loan.  Please see document attached.  Trying to sell this house but cannot close unless the title is cleared up with the $XXXX.  This has cost me damages incurred during the process and now being asked to back back the buyer $XXXX for the title fee, attorney fee, application survey,  etc.,  which I believed is not my responsibility as I placed the house for sale in good faith and did not expect that old records are not updated by the mortgage companies over the years.  Please see MIN: XXXX  is an identical match to the XXXX and the $XXXX agreement, see attached.  Please review my request based on the facts presented and let me know when this could be resolved ASAP.  ThanksBest Regards
Product: Credit reporting or other personal consumer reports

The following inquiries appeared in my report that I dont recognize or am liable for. Please remove fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inaccurate inclusion of a bankruptcy on my credit report. I have obtained an official letter from the court that clearly states this bankruptcy should not be reported to your agency. Despite this, it still appears on my credit file, which is both misleading and unjust. The presence of this erroneous record is causing unnecessary harm to my credit standing and must be corrected immediately.

Moreover, I have reason to believe that an unauthorized third party is involved in this matter, further complicating the situation. The involvement of an unknown entity raises serious concerns about the accuracy and security of my personal financial information. It is unacceptable that such an error has been allowed to persist, and I urge you to take immediate action to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these unauthorized inquiries on my credit report with the lenders and Equifax repeatedly and have not been able to rectify the situation. I ask that you remove these fraudulent inquiries from my credit report : XXXX XX/XX/XXXX Equifax Mortgage Solut XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : XX/XX/2019 I wrote to the credit bureau after the company that I was trying to secure a home loan with notified me that it couldn't be approved. There was no reason for this. Well, I suggested that he send me a copy of the credit report immediately. 

XX/XX/2019 : I received a copy of my credit report and public record search from their company. This is when I saw all the inaccurate information specifically the ( bankruptcy even though the judge dismissed the bankruptcy because of the fraudulent accounts included ) Those accounts are : -XXXX   XXXX XXXX ( note I was involved in the XXXX  and XXXX XXXX data breach which exposed my information to criminals ) -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 I FILLED A CLAIM WITH THE FEDERAL TRADE COMISSION AND LOCAL POLICE ABOUT THE THEFT AND THE MISUSE OF MY NAME. 

I have contacted the XXXX courts and they have stated to me that they did not provide these agencies with this information therefore you have had more than enough time to prove this as accurate information from the courts and they have stated that they have not provided this information. Where are you getting this inaccurate information fro? I believe that this is an error and all Bankruptcy notes and bankruptcy should be blocked immediately. Attached you will see the laws that protect my consumer rights and it will be recorded with the consumer finance if you don't govern your agency by the law. I realize this could be an oversight by one of your agents, maybe they were in a rush but this is not acceptable when it affects me in a negative way, because of the negligence of an agent. Please take the proper steps to make sure this is corrected so that we can discontinue any need for court fillings or law suit. Bottom line, You knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. NO AGENT WAS PROVIDED WITH THIS INFORMATION FROM THE COURTS yet your reporting it as accurate verified information. Someone owes me an apology or money for damages this is causing. 

XXXX XXXX- The bankruptcy notes are still on my file inspite of me notifying you of the inaccurate information. I've done everything correctly as far as notifying you and giving enough time for a response and update stating the corrections being made to my file. I believe according to the fair credit reporting act I have a right to have only accurate information reporting or you violate my consumer rights. and I have already been included in the XXXX  law suit. This information is public and you can type my name in and see if for yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my account. I disputed these through internet as well as phone calls and they are telling me it ca n't be deleted.      XXXX , Equifax and  XXXX  : Credit Plus  XXXX   XXXX  :   XXXX   XXXX     XXXX     Equifax :  XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I have about {$100000.00} in XXXX XXXX XXXX with Citizens they were discharged in their entirety through default judgement when the US bankruptcy court, they are now saying I still owe the money and the credit bureaus are not helping me correct this.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a fraudulent and inaccurate collection account from my credit report. This account appears to have been reported inaccurately by both XXXX and TransUnion, as detailed below : XXXX reported the account as opened on XX/XX/XXXX. 
TransUnion reported the same account as opened on XX/XX/XXXX. 
These discrepancies clearly indicate inaccuracies that violate my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681c-2, credit reporting agencies are required to remove any information from a consumer 's credit file that can not be verified or is inaccurate. 

Furthermore, this collection account is fraudulent. I have never opened or authorized such an account. Enclosed with this letter, you will find proof of a data breach that compromised my personal information, further supporting the claim that this account is fraudulent. 

Given these circumstances, I respectfully request that the Consumer Financial Protection Bureau intervene to ensure the removal of this inaccurate and fraudulent collection account from my credit report. This will help to rectify the undue harm this erroneous information has caused to my creditworthiness. 

Thank you for your attention to this urgent matter. Please inform me of the actions taken to resolve this issue. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Proof of Data Breach, Copies of Credit Reports ]
Product: Checking or savings account

I lost my debit card and found lots of fraud transections on my account. I called the capital one customer service phone number immediately. The capital one customer service automatic phone system said their office is closed and asked me to call back during regular business hours. I contacted them during business hours to set up a fraud claim. The customer service agent mistakenly set up two separate claims for this incident. I got the email confirmation for the claim on XX/XX/2022. Claim numbers were XXXX and XXXX. On XX/XX/2022, I got email from capital one saying that they denied my claim. I called them about the claim on XX/XX/2022, and they told me since it was chip enabled transections, capital one is unable to retrieve funds from the atm. They said they are sorry about this but they are unable to retrieve my funds back for this fraudulent activity on my account. I asked the customer service agent about their 0 fraud liability policy and he said the only thing he can do is to file a compliant. They give me a compliant number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sterling Info Systems and XXXX XXXX have classified me as a Tier 3 on a non conviction when my employer, XXXX XXXX XXXX paid for my background check. This same issue arose in 2013 when I applied at XXXX XXXX. I later was hired after I disputed the wrongful block and adverse action after being hired prior to XXXX involvement.
Product: Mortgage

got my mortgage with united shore financial services XXXX united wholesale mortgage XXXX, paid approx {$26000.00}. 

uwm sold my note to specialized loan servicing co. 

XXXX did not roll over the money paid to them. XXXX tells me starting on XX/XX/2015 they got no money from uwm