23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX my loan was closed. The loan was closed for less than the full amount ( bank approved short sale ). Several months ago I applied for a construction loan to build a new home. The bank I was working with ran my credit and discovered incorrect information that was reported by the mortgage company of the closed account. The company reported the loan as a foreclosure or repossession in the max delinquency area of the credit report ( reported incorrectly to all XXXX credit agencies ). As a result of this mistake the bank I was working with would not further process my construction loan. On XXXX/XXXX/XXXX I faxed the mortgage company ( Ditech ) a letter stating the above information, and requested that they fix the information. A few days later I received a letter from them saying that they received my fax and that I would hear a response from them within thirty days. I never received a written response as to a resolution. On XXXX/XXXX/XXXX, I called Ditech and spoke to a representative and they told me they had until XXXX/XXXX/XXXX to correct the issue. On XXXX/XXXX/XXXX, I called Ditech again and spoke to XXXX different representatives. One said I should expect to wait another month for a resolution, and the other said I should have something back within three to four days. I never heard anything from Ditech. On XXXX/XXXX/XXXX, I received an almost identical letter saying they were still investigating the matter. On XXXX/XXXX/XXXX, I called Ditech again and asked to speak with a supervisor. I spoke with XXXX ( ext. XXXX ) she said she would reach out to the department who handles this type of matter and call me back. I have never heard anything back from Ditech. My bank has since provided me with an exception and approved my construction loan, but said I needed to fix my credit report before I would be able to refinance my construction loan into a conventional loan at the conclusion of construction. Ditech has been absolutely unreasonable in fixing this issue. They are in violation of the fair correct reporting act which specifically says they have thirty days to correct their mistake. They have not. Please assist me in fixing the incorrect information on my credit report that was incorrectly reported by Ditech.
Product: Credit reporting or other personal consumer reports

My credit score has been drastically impacted by a fraudulent account that has appeared on my report. This account was opened without my knowledge.
Product: Consumer Loan

Freedom Furniture and Electronics closed all of it 's stores. I had XXXX line of credit with this company and when I added a computer and refinanced, they reported XXXX separate accounts for me to credit bureaus. They agreed over email and the phone to remove the 60 day late reporting in XXXX and XXXX of 2015 and they have not.
Product: Credit card or prepaid card

on XX/XX/XXXX I called capital 1 regarding XXXX and I was advised they would be removed all but XXXX which was acceptable as I have had terrible problems with capital one and their sleazy banking so I deducted XXXX from my balance and sent a ck for XXXX. I received my new statement and found I had a balance of XXXX this looks like interest on top of interest.I thought that was illegal! Called to have the interest removed to XXXX out the balance and was told it could not be done .Called again today and was told the same thing system would not allow. XXXX can only be removed 3 times in a year!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I get an alert from XXXX XXXX there a collection in my credit report from XXXX XXXX  XXXX XXXX. I have NEVER been contacted by them nor know anything about this. I call XX/XX/20 XXXX And get XXXX which asked me was my social 3 different times 4 different last digits on a social I said NO. He said hold on came back and said idk dispute it with the credit agency its my job. Very unprofessional and weird. I asked for a manager and XXXX got on the phone said the same and that my name was similar but they had a couple numbers close to mine???? First, no debt validation, signed contract, proof of debt, what the debt is has ever been provided! This is beyond crazy. I explained I will contact CFPB and they said you could t do anything and hung up!!!
Product: Mortgage

My mortgage was transferred from XXXX XXXX to Select Portfolio Servicing. I was unable to initiate any online account with the account number I was provided by Select. Select 's customer service was horrible. I initiated an immediate refinancing of my mortgage back to XXXX XXXX. My mortgage loan funded on XX/XX/2019. On or around XX/XX/2019, I began receiving harassing phone calls from Select Serving demanding on " get on the same page in regards to my late XXXX mortgage payment. I demanded a supervisor and informed Select Serving the only page I needed to get on was when I was going to receive not only the my first mortgage payment of approx. {$1200.00} but my escrow account of over {$6900.00}. Not only was I told a check would be cut within a week but my mortgage broker has been in touch with the department responsible for sending these types of refund checks and told the same. My mortgage broker has called Select Serving everyday and everyday we are told the check is going to be cut. To date they continue to hold my money hostage and refuse to send the check. Select Serving did not have full control of my mortgage loan when the refinance went through therefore, they are not entitled to utilize my escrow monies. My mortgage broker provided his credit card so the check could be sent overnight to me. Please help me get my money from the company. They should not be allowed to do this to anyone. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023, i received letters from bank of america announcing they have closed my personal credit card and 2 other business credit card due to the XXXX credit reporting saying unsatisfactory performance on my credit card! 
I called, no one could explain more than XXXX reported that to them ... no investigation if this was true or anything .. this is PURE violation of my rights! my credit score is at XXXX! never been late, missed a payment, over used my card more than 10 %! 

and XXXX marked the closed account as : canceled by credit grantor!! it is absolutely FALSE! 

They closed my account associated with my social security number without my permission nor providing reasonable proof! 
I demand they reinstate my credit card and give me damages for this! it is against the law to provide false information on my report and they caused my businesses a lot of issues as their false information terminated my accounts too. I am not letting this pass, i know my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX did a XXXX  credit check on XX/XX/XXXX Sears/cbna did a XXXX and XXXX credit check on XX/XX/XXXX Sears/cbna did a XXXX and XXXX  credit check on XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX did a XXXX  credit check on XX/XX/XXXX XXXX XXXX did a XXXX  credit check on XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2014  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

-- - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, XXXX  XXXX **Subject : Request for Removal of Incorrect Phone Number from Credit Report** Dear Sir/Madam, I am writing to formally request the removal of invalid phone numbers that appears on my credit report. The details of my request are as follows : Name : XXXX XXXX XXXX Social Security Number ( last 4 digits ) : XXXX Date of Birth : XX/XX/XXXX Phone Number ( s ) to be Removed : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction or removal of inaccurate information on my credit report. The phone number mentioned above is incorrect and should not be associated with my credit profile. 

I kindly ask that you investigate this matter and update my credit file accordingly. Please remove the erroneous phone number from my report and send me a corrected copy once the changes have been made. 

I have attached a copy of my identification ( State ID ) and a bank statement to verify my identity and address. 

Thank you for your prompt attention to this matter. I expect that the inaccurate information will be investigated and corrected within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX **Attachments : ** - Copy of ID - Proof of Address -- -
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX inaccurately reports card balances to CRAs to be viewed as revolving credit without a credit limit. This practice has led to higher balances being reported than what is due and furthermore has resulted in multiple decreases in my credit scores across the bureaus due to the credit utilization algorithm. 

XXXXnfo on reporting and payments with XXXX : 1. Card statement is from the XXXX to the following month on the XXXX. 
2. The XXXX credit card payment due date is the XXXX of each month. 
3. The XXXX payment date is the XXXX of every month. 
4. I add funds to my XXXX credit card and XXXX will put aside payments for the card and pay automatically on the XXXX of every month. 

Issues : 1. The payment date occurs on the XXXX of every month even though the statement cycle is XXXX to XXXX. This means the amount due is always based on the month prior balances. 
2. Since balances are based on the month prior, a balance carries over into the next billing cycle. Thus a constant balance is reported to CRAs. XXXX adds account notes saying the account was paid in full, but this is inaccurate based on the balances reported. 
3. Due to the misleading/inaccurate XXXX reporting, this has affected my credit utilization and resulted in my credit score dropping two to three times significantly. 
4. XXXX acknowledged twice that the reporting date does not align with the statement date nor the payment date, yet they continue to falsely report that I have a balance when I do not. 

Specifically : On XX/XX/2021, my credit score dropped an average of 23pts across all bureaus. 
Reason : XXXX updated the bureas that I had a balance increase of {$140.00}. Bringing the total balance to {$430.00}. On XX/XX/2021, XXXX sent the XXXX XXXX statement showing that {$290.00} had been paid on XX/XX/2021. This means that XXXX should have updated the balance on XX/XX/2021 to only be {$140.00}.
Product: Mortgage

Carrington Mortgage Services sent me a notice of intent of foreclosure. I am up to date on all of my payments, they have no reason to foreclose on my house. I have all my bank statements to prove every payment has been withdrawn from my account. Even on their website my account shows every payment made. I first had issues in XX/XX/XXXX, they told me they never received my payment even though the funds had already been withdrawn from my account. They finally applied the XX/XX/XXXX payment I made on XX/XX/XXXX to my account on XX/XX/XXXX. I then made my XX/XX/XXXX payment on XX/XX/XXXX and they are telling me that was for my XX/XX/XXXX Payment. I have proof of every payment for the entire time my loan has been through them. They also increased my escrow account due to a " deficit ''. I did the math, there was no deficit and they are charging me double for my escrow. My property taxes and homeowners insurance do not add up to amount of escrow they are charging me.
Product: Money transfers

Complaint Details I was looking on XXXX for an apartment. Someone named XXXX had her own place for rent while she was 'out of town ' and 'sick. ' She was also telling me she 's in XXXX XXXX. So I never met her or took a tour of the place. She put it up for rent on XXXX and they said they would mail me the key once I transferred the security deposit ( {$800.00} ) and the first month of rent ( {$1000.00} ) to the bank in XXXX. I never got the key. Their email is XXXXXXXXXXXX. I think maybe XXXX stole my money too, her number is ( XXXX ) XXXX. Her email is XXXXXXXXXXXX. The address to this apartment is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX asked me for more money to pay her ER bill, I just said no I do n't want the apartment, so they said they would refund me and never did. I went to Wells Fargo to send them a request to give me back the money, and it turns out XXXX closed the account and have stolen the {$1800.00}. I 've contacted XXXX customer service, the police, XXXX, my bank, XXXX, XXXX and noone can help me. I did file a business dispute with them but I do n't know if that 'll work either
Product: Mortgage

The property address is XXXX XXXX XXXX XXXX Ga XXXX XXXX. My loan was included in a Chapter XXXX bankruptcy, whereby the court ordered Bankruptcy petition Plan ( the Plan ) included set payment amounts ( {$140.00} monthly ). 
2. I began making the payments to the mortgage company exactly as specified. 
3. The servicer was changed ( or loan sold ) and I re-directed my payments to the new company ( BSI ). 
4. After a few months, the new company began rejecting my payments, stating that they had no knowledge of the Plan, and started the foreclosure process. BSI states that they are refusing the payments because the loan is in foreclosure. 
5. After much calling, faxing and emailing, I was able to get the company to recognize the Plan, which had been made an amendment to the original Security Deed and recorded with the State of Georgia. They adjusted their records, including loan balance, payment amount, interest rate, etc. They continue to refuse to accept the payment. They continue to charge fees for taxes and insurance ( via an escrow account ) even though the Plan specifically states that I am to pay the taxes and insurance directly : NO ESCROW ACCOUNT. The payments I've been sending ( {$140.00} ) are, of course, less than the amount they are requesting since the escrow amount is INVALID. 
6. I have sent the company emails demonstrating that I've made each payment for the past 5 years and have sent proof of the insurance policies established and tax payments made.

7. I requested but have not received via email a Statement of all of my Post Petition Payments and fees. 
8. The company has sent the last mortgage statement, indicating that the amount due is over {$4000.00}. This amount includes fees, property inspection charges, and grass cutting fees of over {$1900.00} each. Note that BSI NEVER CUT the grass ; I had the grass cut and paid the lawn contractor directly. I have requested a summary of all fees that have accrued on the account. None of these fees are valid since no payments have ever been missed. If BSI can indicate any payment of {$140.00} that I have missed, or any tax/insurance payment that I failed to make, I will send them the corresponding funds asap. The late fees and charges should be removed asap, as they stem from a balance that should never have accrued. 

I have and will be including all of my records : notification demonstrating each of the payments mentioned, a copy of the Statement, the Foreclosure Notification from BSI, my Bankruptcy Plan documents, the email thread between myself and the servicer, the names and email addresses of each of the supervisors to whom I've spoken, etc.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit files from XXXX XXXX XXXX. ( Account number XXXX XXXX The collection was being handled by XXXX XXXX. I settled the debt with XXXX XXXX with the agreement that the balance would be removed from my file. 

I then disputed this with all three bureaus. The bureaus did not remove the balance but instead the settlement I made was applied to the existing balance leaving a balance. This is contrary to my arrangement with the agency and a violation of my rights under the Fair Credit Reporting Act. 

I am receiving the exact same score reduction because of this balance that I received prior to the settlement. By law, therefore, XXXX XXXX is continuing to collect on an account that was settled in full. This " collection effort '' is accomplished by holding down my score because of the balance. 

I have attached the XXXX XXXX settlement letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have violated my rights. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

these are the accounts that I have marked accounts inacurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act 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 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 has violated my rights.

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

I do not recognize the inquiries listed below on my Equifax Consumer Report. I have tried to properly dispute the inquiries with Equifax over the phone, and by certified mail. I believe these inquiries are due to Identity theft. I have filed a police report with identitytheft.gov, and attached it to this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax is in violation of the following : 15 USC 1681b- Permissible Purpose of consumer reports- Equifax did not have permissible purpose from myself the consumer to report the inquiries listed above.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 Congressional Findings and Statement of Purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING ( 1 ) ( 2 ) ( 3 ) ( 4 ) requires Consumer Reporting Agencies to practice fair and accurate procedures when assembling a consumers credit report.

Aggravated Identity Theft per 18USC 1028 XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries : 1-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 



2-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

3-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

4-Company named XXXX/XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

5-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

6-Company named XXXX/XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

7-Company named XXXX XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

8-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

9-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

10-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

11-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

12-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

13-Company named XXXX XXXXXXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX.
Product: Mortgage

They are not applying my payments correctly. I contacted them on XX/XX/19 and was told that I'm paying interest in arrears, however according to my payment history that is not true. I was told that it is a fixed interest loan and that means that I will always pay the amount of interest billed, this is not what fixed interest rate means. I believe they were charging all of their customers inflated interest.