23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

This debt is a business debt associated with a company I sold many years ago. I am no longer part of it and haven't been for a long time. Both my son and I personally signed for the line of credit many years ago but neither of us have the ability to continue paying almost $ XXXX. I am XXXX XXXX XXXX and this bill is more than my social security income by itself. We have brought this to the attention of Chase many times to try and get some relief from this exhorbitant payment to no avail. They won't modify, change or alter the terms at all and it is absolutely going to force me into bankruptcy. We can afford to make payments but almost {$2200.00} is more than 50 % of my household income ( my wife gets SS as well ) but we have a house and live modestly ( no car pmts or anything ). This is going to cause us to lose our home soon because we can't keep up with these payments. We're writing to ask for some consideration to alter the payment schedule or the terms to allow us to not go into financial ruin because of it. We've not missed a payment but that only is because we are honest, trustworthy people. You can see our tax return and see exactly how much we make- it's a nominal social security living - we've already burned through all of our savings trying to keep up with this payment. Please help.
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF YOU NEED MY AUTHORIZATION TO PROCEED, YOU HAVE MY AUTHORIZATION TO PROCEED. 

I, XXXX XXXX, consumer and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX Mail # : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage obligation to Shellpoint Mortgaging Servicing was paid in full on XX/XX/XXXX. In spite of my written requests to Shellpoint dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Shellpoint has failed to my requests for a reconciliation of my loan payoff demand compared with the correct mortgage balance as determined from my books and records. I believe that I am owed additional refund amounts, and can not get Shellpoint to substantively respond to my requests, other than to send a form letter acknowledging the existence of my requests. 


I attach copies of the final escrow settlement statement dated XX/XX/XXXX, showing an escrow demand amount of {$570000.00}, and copies of XXXX checks from Shellpoint Mortgaging Servicing in the amounts of {$630.00} ( dated XX/XX/XXXX ) and {$2.00} ( dated XX/XX/XXXX ), respectively, for a combined amount of {$6600.00}, issued to me as escrow refund and unapplied disbursement. 


In addition, Shellpoint has filed to issue XXXX XXXX, Mortgage XXXX Statement, for XXXX, required to be delivered to me not later than XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been repairing my credit for the last two years and I constantly check my credit reports. I noticed that if you go over the limit or have a high credit usage on my credit cards, Experian will throw that on my report quickly costing me lots of points. A few credit cards reported earlier in the month and they still reported again in the same month because I went over the limit on my credit card. Experian will put it on your report fast with no problem. Now since the beginning of XXXX, I have control of my finances and I paid every credit card down, which I would hope will be reported quickly like the negative things are reported. No, I currently have cards that have not reported since the beginning of XXXX and we are almost in the month of XXXX. A few days ago, XXXX account was not reported since XXXX, months ago. I check credit karma daily also and they would get the reports a little bit after experian, but now, they are reporting way faster than experian. Come on, I worked hard on my credit and I would like my points, THAT I EARNED!!
Product: Mortgage

Ditech mortgage has recently ( XX/XX/XXXX XXXX ) placed a " Charge Off '' on my and my wife 's credit report for an account we never had with them. They took over Greentree, who had taken over the account we had with XXXX XXXX XXXX back in XX/XX/XXXX which is when we filed for and went thru CH XXXX Bankruptcy. That account was in our Bankruptcy, which was issued a Final Decree on XX/XX/XXXX, which is over 1 1/2 years ago and prior to Ditech servicing of Greentree accounts ( which began 2 months ago ). Therefore, we never had an account with Ditech and they should not be reporting our account as a charge off with them. They simply have never had any claim on us as the account with Greentree was closed and covered under the bankruptcy 1 1/2 years before they took it over from Greentree. Please have them remove this immediately. 

I have made several calls to have them correct their errors, but like all other mortgage companies, they do n't return calls. 

Ditech ( XXXX ) XXXX MINNESOTA XXXX XXXX XXXX, XXXX XXXX, MN XXXX they claim charged off $ XXXX was with 1 ) XXXX # XXXX, then 2 ) Greentree XXXX XXXX and now suposedly 3 ) Ditech XXXX XXXX ( full account number not reported by Ditec ) Thank you for your assistance. 

XXXX and XXXX XXXX
Product: Debt collection

Dear Bureau, After I moved out from My previous apartment few month ago they sent me the XXXX moved out bill with unfair fee and fee not even suppose to charge on the XXXX moved out bill but the some transaction they owed me they never refund. After I received this billed i sent email attached the letter to explained and hope they will correct the amount in the bill then send me the correctly final bill while I am still waiting this collection company flag the collection this incorrect bill on my credit report. to correct the bill I filed the complaint with HUD already as the complaint attached I would like Bureau to help me dispute the incorrect bill from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I submitted a complaint about Transunion investigation into XXXX XXXX XXXX reporting on my credit report. After I sent Transunion a dispute letter I received a letter from XXXX this letter was not validation of the debt with my wet signature it was instead a letter asking to call. I requested validation of this debt via signed contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel these are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 60 days, so they should be erased immediately.
Product: Credit reporting or other personal consumer reports

Today, I saw that there are incorrect accounts listed on my credit report, and I'm baffled as to why. My usual check revealed discrepancies that weren't there before. I tried refreshing my browser, thinking it might be a tech issue, but the inaccuracies persisted. Because of this, I am requesting a detailed review of the documents I've sent so I won't have to worry about this again.
Product: Mortgage

I am currently a victim of a tornado. A tree fell on my house. My insurance company issued a check to me and my mortgage company. My mortgage company has only given me {$25000.00} first installment to complete the roofing part. For the past eight months they have asked me to submit several types of paperwork to get the second round of checks for {$26000.00}. To fix to fix bathroom. I have given them itemized bills from my contractor. My contractor and I have been keeping in touch with Mid mortgage about starting the second phase of my house. Its now going on five months and they are still refusing to issue me the second part of the check. As a result black mold has grown. Other problems are existing because they are not keeping up with the end of the contract now they are talking about for closure and keeping my money. The insurance money thats left over. The initial check was for XXXX. Plus extra if I ran into it. I did run into extra but my insurance company said that I took too long and that money expired. So now Im only working with XXXX instead of XXXX. I was just Thought they were not going to fix the new problems because they arent on the original list. What can I do and who can I talk to so I dont lose my house and I can get my home repaired
Product: Debt collection

On XX/XX/XXXX I was furloughed from my full-time job due to the Covid-19 and I wrote my part-time job to informed that I would not return to work as well. I applied for unemployment on XX/XX/XXXX, because I received a letter from my full-time that I would be furlough till XX/XX/XXXX. I got approved for unemployment on Effective XXXX XXXX - XX/XX/XXXX but no longer receive due to returning to work at the part-time job. However, due to Covid-19 my full -time position was no longer needed per CFO. I decided to return to my part-time job on XX/XX/XXXX. Well on XX/XX/XXXX, I received a letter that my pay check will be garnish on XX/XX/XXXX and I was never at work to received the Process of Garnishment letter because I was out on leave and I was unable to respond in the 30 days time frame to the Debt collector. Now I am being garnish for {$6000.00} and not able to reduce the percentage. I feel that this is unlawful and I never even sign any court documents in the first place to even get my wages garnished or to know that my wages will be garnish. I feel that both parties should be held responsible.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on our ongoing efforts to correct the late open accounts on my record. Despite our previous attempts, I regret to inform you that these issues still persist. As we enter this attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying these discrepancies promptly. The presence of late open accounts not only affects my credit score but also raises concerns about the accuracy and integrity of my credit information. 

I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. XXXX XXXX XXXX Balance : {$550.00} ; XXXX  XXXX XXXX Balance : {$37.00} ; XXXX  XXXX XXXX Balance : {$700.00}.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$370.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$280.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$1800.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX Balance {$820.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$200.00} Open Date XX/XX/XXXX Inquiries XXXX XXXXXXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  online system was hacked in approximately XX/XX/2018. My login information was changed, then my mailing address was changed and a new card requested in a different state. Subsequent charges were made by a thief. As soon as I became aware I notified XXXX XXXX. For the last two years I have fought XXXX XXXX XXXX, and the collection agency they turned me over to ( XXXX XXXX ) to correct this fraud requested copies of transactions and signatures, and disputed the reporting to my credit report. Now I am being sued for these charges. 
The hacking of their online systems has resulted in 2 years of identity theft issues where this same individual continues to take out accounts that I have to dispute using my personal information.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had judgement in XXXX against me with Discover Card. The collection agency XXXX XXXX XXXX is handing it. I was paying {$50.00} a month volunterily since XXXX. Now I have paid over {$2000.00}. 
On XX/XX/XXXX my checking account was frozen with XXXX balance from a notice from XXXX XXXX   XXXX. I called XXXX to asked them why couldn't I receive a notice that XXXX was going to do this since I have been paying them since XXXX I feel this wrong for the company to do this without given me ANY warning and taking ALL the money in my checking account. I have {$35.00} in wallet as I am writing this to you all.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing this complaint against Experian for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under the following sections : 15 USC 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of information.

15 USC 1681s-2 : Failure to promptly correct and update inaccurate information.

15 USC 1681i ( 5 ) : Failure to properly investigate disputed information and provide resolution.

15 USC 1681c ( c ) : Reporting information beyond permissible time frames. 


I have made multiple attempts to resolve inaccuracies on my credit report directly with Experian. I submitted disputes in writing. However, Experian has failed to properly investigate my disputes or correct the inaccuracies. 

This behavior mirrors the issues outlined in the recent CFPB enforcement order titled " CFPB Orders Experian to Pay {$15.00} XXXX for Improper Investigations of Credit Report Errors. '' The CFPBs findings highlight systemic failures in Experian dispute resolution process, which are consistent with my experience. 

The inaccuracies on my credit report are causing significant harm, including [ higher interest rates, denial of credit, etc. ]. I am requesting that the CFPB intervene and ensure Experian complies with its legal obligations under the FCRA. 

inaccuracies on my credit report : 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 Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Mortgage

Absolutely the most incompetent company dealing with mortgage loans on the face of the Earth. What they are doing and the fact that they are allowed to handle mortgage loans should be investigated by Congress to say the least. First off they called me inquiring about refinancing my VA home loan they had bought from ** ****** ***** & XXXX ; into a lower interest rate. I was pleasantly surprised that a company seemed like they were out to help the little guy ... .. That was the last time I would be pleasantly surprised .... All be it not the last time I would be surprised, horrified might be a better word when dealing with Freedom mortgage. First off, they already own my original home loan so documentation and numbers shouldn't be that hard, however it is and the new loans escrow was over {$200.00} short of where it needed to be in order to cover property taxes. Did I mention those are public information through XXXX County wedsites?? Well, I caught the error and had to send the form THREE TIMES WITH THE CORRECT NUMBERS to their closing department to have the numbers corrected. THEN I sat around my house on three separate occasions waiting for them to show up to close on my refinance ( this after noon being the third time ) AND NO ONE SHOWED UP! I called them everyday this week to insure everything was in place to close today, even called them yesterday afternoon and they reassured me everything was ready to go! Nope! Once again they didn't show up. I have taken 5 days off of work just to close on this loan!!!!!!!!!! And no one in management has even attempted to contact me! Absolutely disgraceful.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$36000.00} ; XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$6700.00}.
Product: Mortgage

My husband and I bought a home with a typical loan with BB & T. We planned to renovate and a few months later ( after getting architectural drawings done and hiring a general contractor ) we worked with BB & T to replace that mortgage and close on a construction loan that will convert to a regular mortgage upon construction completion. Our closing statement ( which I will attach to this complaint ) stated we would pay interest only for year 1 in the amount of {$950.00} and then our payment would convert to a typical principal and interest payment in year 2 and continue for the duration of the loan. We received our first bill with a different interest payment ( {$1500.00} ) that accounts for the amount of construction that has been completed to date. While this is logically fine, this is not what the paperwork stated at closing. We feel BB & T did not adequately articulate how our payments in the first year would work. 
In addition, I tried to make a payment both online and by phone for our first mortgage payment and was told that for the first payment I must go into the bank to make the payment OR send a check. No where on the bill does it state this restriction ( I will enclose the statement/bill as well ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue 1 : I tried submitting both a credit report request and submit a dispute with equifax. Both were impossible due to a mismatch in address information and or a system error.

Issue 2 : Equifax website itself is non-functional/inaccessible most of the time. It may load a single webpage in about 25 to 45 minutes. It would appear that it is receiving a denial-of-service attack.

Issue 3 : Upon discovering that i can not sign up for an account on equifax website, and being refered to a 1800 number to call them, I decided to give Equifax a call to dispute an item on my credit record. However, they were not able to identify me over the phone. I faxed Equifax identity documents, which was reportedly lost, so i re-faxed them again, and then re-re-faxed them.

Issue 4 : I keep receiving USMail from Equifax indicating that they have made a decision and that i must send them identifying documents. I have already done so 3 times.

Issue 5 : Nobody is reading my complaints properly. If you reviewed my complaints, you'd realize that ive uploaded my identity documents directly to this form. They are available to anyone reviewing my complaint.

Issue 6 : To this date, there has been no solution offered. My information has not been updated and i have not been contacted for a resolution. My credit report has not been provided. My credit score went to zero. I have no access to dispute anything.