23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This started back in XXXX of 2021. We tried to make 3 house payments that month, in order to catch us back up. The first one was made on XX/XX/2021. This was the XXXX payment. ( {$960.00} ) The second payment was made on XX/XX/2021. This was the XXXX house payment. ( {$960.00} ) Late fees were included in the first 2 payments. The third payment made was supposed to be for XXXX. It was paid on XX/XX/2021 ( {$930.00} ) The third payment was applied to our principal instead of being used a house payment. I made several phone calls and finally after 6 months it was resolved and applied to the mortgage. This mortgage lender does not take partial payments. Prior to this fiasco in XXXX, we tried to pay what we could. They are an all or none financial institution. This caused great stress to us, as we were trying our best. I was unemployed for 6 weeks. Their policy is to mail back the amount they received in the form of a check, if it is not the full amount due. It is sent back via the US Postal Service. Therefore, on several occasions, by the time we received the check, cashed it and tried again, we were falling further behind. Our major concern now is that the bank has reported that we had seven late house payments. This is simply not true. I have my online banking statements to back up this reporting. We recently have tried to apply for a mortgage that would involve selling our current home and moving. We were denied due to what Fifth Third Bank reported to the credit bureau.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were added to my credit report without my authorization. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  California sent me a cancelation notice as of a specific date and time and then continue to bill me after the cancelation date? 

I was unable to pay by the cancellation date and my insurance was cancelled and they continue to bill me after the said cancellation date and I never used any insurance service through them because they said I was cancelled
Product: Debt collection

This company calls 6-8 times a day to collect on a debt and when I call and complain that they are changing the terms and conditions of the loan agreement, I am being told the grace period they offered was just a courtesy.
Product: Debt collection

XXXX XXXX XXXX sent a notice back in XX/XX/XXXX in which i called as soon as I got the bill. It was an old bill from XXXX XXXX. I was willing to settle the debt since it had hit collection however the amount on the bill was not the amount I was told my last bill was going to be. After speaking to the representative, I was told if I paid the amount I could today and then call XXXX XXXX to try to get them to lower the bill, they should be able to take the payment I had just made. Unfortunately, that did n't work. After making half the amount owed, this collection company still sent me to collections due to lack of payment. I told them I wanted to settle and I know how agencies work. I have this call recorded, just like they should. I would like for this to be removed from all 3 credit bureaus. I have kept my report clean, and have been working to keep it that way, but his is ridiculous. Dates range from XX/XX/XXXX until XX/XX/XXXX
Product: Debt collection

I received a letter from multiple collection agencies for the same debt. I have explained that I was laid off of my job of 16 years and fell behind in my payments. I established a payment arrangement with one collection agency then I started getting demands and letters from another collection agency ( Pittenger Law ). I advised that I would like to validate that there is not dual collections happening they were nice and said they would check with the original creditor XXXX. I called XXXX and they advised the correct collection agency was XXXX XXXX. I now don't know who to trust or who to pay I really would like to just pay XXXX XXXX back directly but everytime I call they say they no longer have access to my account. How is that possible that the owner of the debt no longer has access to the account I was never advised that my accounts have been sold. I'm just looking for help to resolve this nightmare now I am afraid the payments made have been lost.
Product: Vehicle loan or lease

I got an auto loan with XXXX XXXX XXXX back in XXXX, my original loan was nearly XXXX  the amount of the vehicle. My car was repossessed back in XXXX of XXXX XXXX but I don't feel as though I should still be held responsible for XXXX and the car was XXXX  the amount with interest and all other fees attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint #. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
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 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 XXXXXXXX XX/XX/XXXX
Product: Mortgage

Flagstar continually harasses my XXXX brother and has refused to fix the system errors that cause the issues. He had to switch banks a few months ago and we set up online to make auto payments from the new account. We were told Flagstar system kicked it out due to it not matching their previous information for him. He asked to speak to a supervisor to get it cleared up and was told they could not do that. I did file a complaint with Flagstar concerning that issue as well. He asked me to help after becoming so distraught by the actions of this company. I started advocating on his behalf XXXX. Since then I have conference called with my brother on XXXX, XXXX, XXXX, and XXXX. I have sent in proof of payment twice now to 2 separate emails provided to me by Flagstar. I finally got to speak to a supervisor ( XXXX ) XXXX and he was not helpful other than to say we needed to send in proof of payment, being a copy of an endorsed check cashed by Flagstar. I did explain several times, the payment was made over the phone due to previous issues out of our control. I even gave him the confirmation numbers we were given at time of payment. He said his supervisor ( XXXX  ) was on leave without an ETA on when we could speak to her. I contacted his bank and they told me to send bank statements with other personal information blacked out and they were happy to conference call with them to verify payments deducted from his account. As soon as we get issues cleared up for one month, they start all over again and employees insist he hasn't made his payments and trying to talk him into filling out forbearance paperwork due to Covid. He does not need forbearance. He can pay his payments and does pay his payments. He is told each time he tries to make a payment that he can not for the month because the system says he is past due, and as soon it's cleared up and he makes a payment over the phone, he is told he can not set up for auto pay due to having just made a payment. I am at a point I am reaching out to get assistance from anyone who can force this company to quit preying on my brother. We will transfer his loan to VA asap and hope to never deal with this again and to never see or hear of anyone having to go through this again.
Product: Student loan

I have paid above the required amount for my student loan in total of {$1500.00} just over the last four months and my loan balance is {$1000.00} higher than the original amount I borrowed! At this rate, I will never satisfy the loan.
Product: Mortgage

My mortgage company changed my account number and bill address. I followed their instructions and changed the account number and bill address. 5 weeks later I received a missed payment letter because the new account number apparently didn't link to my account. The missed payment notification had a different account number on it than either the new account number or the old account number. My bank verified that the check had been cashed before the due date by the mortgage company. I tried to access my account on-line but couldn't because the account numbers have been changed. The mortgage company is refusing to cooperate with either my bank or I in our attempts to prove payment, instead insisting on copies of the cashed check, which don't exist because it was an EFT. The missed due date was XX/XX/XXXX, the check was cashed on XX/XX/XXXX, the next check sent to the same address with the same account number is due today. I believe the Mortgage Company is dragging this out to get more penalty fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 parties reporting false information
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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 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 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 or other personal consumer reports

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX  XXXX XXXX Balance : {$830.00} ( Original Creditor : XXXX XXXX IN ) XXXX Balance : {$670.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance XXXX {$1200.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect address that appears on my XXXX credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and XXXX lead to potential confusion or misrepresentation of my credit information. 

Incorrect Address : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report XXXX affect the accuracy of my credit file. 

As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

Sincerely, XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on I C SYSTEM ( XXXX XXXX ) XXXX Balance {$660.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billinge Fair Credit Billing Act of 1975 ( FCBA. I have tried to fix this problem but transunion ignored my request for proof Pursuant to 15 USC section 611 ( i ) ( 7 ) and section ( 6 ) ( 1 ) ( iii ). I want valid proof attached to this complaint that these  account belong to me and how they verified i was late on these accounts under Fair Credit Reporting Act.
Product: Credit card

I have disputed a purchase in the amount of {$1800.00} two times already. I have sent police reports of my car being broken into and my wallet being stolen same day that purchase was made. I also made a police report for the fraudulent charge with XXXX XXXX. I have sent All information they have requested. They are holding me liable due to my driver license being present at the time of purchase. My whole wallet was stolen so of course the thief had my driver license as well. The company will not accept another dispute and is making me pay for the fraudulent charge!
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX  that an account apparently owned by MOUNTAIN RUN SOLUTIONS LLC corresponds to an account that was over 10 years old which should no longer appear on my credit report. They claim to have investigated the dispute but they claim to have verified that it was accurate despite the account being over 10 years old. Since the account is over 10 years old they can not have any valid proof that I entered into any agreement that corresponds to a valid and current debt. I have previously notified MOUNTAIN RUN SOLUTIONS LLC in writing that I believe this debt is too old to be reported on my credit report and asking them to provide documentation showing that it is a valid/current debt but they have ignored my requests for information and are instead fraudulently reporting this on my credit report.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am formally disputing the reported late payment on my credit report, as I believe this information is inaccurate. The FCRA mandates that all information reported to credit bureaus must be not only accurate but also verifiable. The law requires that creditors, data furnishers, and credit bureaus ensure the data they report is based on correct and substantiated information. 

In light of this, I am requesting that the creditor or data furnisher thoroughly investigate the accuracy of the reported late payment. Specifically, I ask that they provide clear and verifiable documentation or evidence that supports the claim of the late payment. This may include payment records, correspondence, or any other relevant proof of the late payment being reported. 

If the creditor or data furnisher is unable to provide such verifiable evidence, I respectfully request that the disputed late payment be either corrected or completely removed from my credit report, in full compliance with the requirements outlined under the FCRA. If they fail to adequately investigate or provide proper verification, the information in question must be removed, as stipulated by the law.
Product: Mortgage

BSI Financial was sold my mortgage by XXXX XXXX loans in XX/XX/2021. As part of this, BSI took over paying my home insurance policy from my escrow. They failed to do so. 

When it came time to pay the home insurance, BSI mailed the check to an address ( XXXX XXXX XXXX, XXXX Florida, XXXX ) that is not associated with the home insurance company that provides my home insurance. I received no explanation why or how this happened. When I discovered this, right as my home insurance was about to be cancelled for non-payment, I had to spend 6 hours across 4 different days trying to get BSI to cancel the original check, issue a new one, and then contact my home insurance provider with the new information to resolve. 

Upon being escalated to management ( XXXX ) on the day prior to having my insurance cancelled, management confirmed to me that they will personally contact my home insurance company with the check information upon it being issues to stop the insurance policy from being cancelled. XXXX called me the next day to confirm that this happened, however, my home insurance was STILL cancelled, and when I called them to understand what happened, the Home Insurance company has NO record of any call from BSI financial around this topic. I had to once again work directly with XXXX XXXX XXXX to address this situation, and had to work to have it renew. 

tl XXXX XXXX XXXX When it comes time for BSI to pay for your home insurance, please call them to verify what address they sent it too, as it may not be the address of your home insurance company. Also, please do not trust their support/management around any actions they claim they will do on your behalf.
Product: Mortgage

I researched refinancing my loan in XX/XX/XXXX. I had already gone through most of the process with a different company when I got word of Capital One Home Loans, who was offering a special discount on the origination fee, which made their product worth my time. I closed the new loan with them and made my first payment XX/XX/XXXX. It is currently XX/XX/XXXX and I just received an email from a new loan servicer that states they now have my loan in their possession. 

1. I never received a letter of transfer from Capital One - they said they sent it, it never got to me- I called as soon as their office opened XX/XX/XXXX - the day I received an email from the new loan company. 

2. I have written documentation from the loan officer that my loan would not be sold, which was the reason I stayed with this company for my refinance - he lied to me so he could make money off me. 

3. My loan estimate states on it that the intent is for Capital One to service my loan, not sell it. 

I need to know how to resolve this issue or if I need to take alternate avenues.
Product: Credit reporting or other personal consumer reports

Experian has failed to remove fraudulent collection account from my credit report, despite not providing any concrete proof that these accounts belong to me. I have undeniable evidence that Im a victim of the 2017 Equifax data breach, where my personal information was stolen. Since then, Ive been fighting for years to have these fraudulent accounts cleared from my report. Im requesting concrete proof that I, XXXX XXXX, was involved in any transactionvisual proof, not just a transaction linked to my name. No scammer would use a stolen credit card in their real name without also obtaining fake identification. Fake IDs and passports are unfortunately prevalent in todays world. Moreover, as a victim of the 2017 Equifax breach, which affected over XXXX XXXX people, its entirely plausible that scammers gained access to my stolen identity and created fake documents in my name. If one of the largest credit bureaus was breached, its reasonable to assume that these stolen identities were exploited. I need more than assumptions ; I need definitive proof of my involvement with this fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there is 1 inaccurate account on my credit report ACCOUNT NAME : XXXX XXXX XXXX # XXXX Date account opened - XXXX XXXX XXXX Month that was reported late. XX/XX/XXXX XXXX There was never a late payment, I have always paid on time Consumer Reporting Agencies- ( in this case Experian ) have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted Experian and asked for them to investigate & remove the inaccurate account ( ACCOUNT NAME : XXXX XXXX XXXX # XXXX ) from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.