23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2022, I was contacted by a company named Veterans United. The representative stated they would help me qualify for a VA loan and requested my SSN, driver 's license and current Leave and Earnings Statement ( LES ). I supplied my SSN but began to question their legitimacy and declined to continue the process. After checking my credit report on XX/XX/2022, I see they placed a hard inquiry on my credit report. I froze my reports but want to ensure no further damages to my credit report occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out in regards to my my payment history. I would like to update it with late payments removed. The reason being is because these reports on my consumer report are causing me extreme stress. I am stressed because its not supposed to be there also making it hard for me to network. I seriously dont appreciate this. This is literally causing me hardship, these illegal practices being done! Late payments are literally illegal, Billing Error 15 U.S code 1666b. I would like to demand these be removed. Please help me out.
Product: Credit reporting or other personal consumer reports

I have three unauthorized hard inquiries on my credit report from the following companies. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> )
Product: Payday loan

I have made a few attempts to make a different arrangement to pay back this payday loan, I can not afford the XXXX withdraws The Cash Store debits my bank account any longer, I have spoken with XXXX the store manager at the Cash Store XXXX XXXX XXXX XXXX XXXX Texas XXXX, she informed me that I made an agreement with the store and signed a contract, which I did, she said she could not help me with any other type of arrangement and refered me to Cottonwood Financial, when I spoke with XXXX from Cottonwood he informed me that he did not have any of my information beacuse I had not defaulted on my loan at that point and I would have to wait XXXX weeks after I defaulted, before he could even talk to me, I explained to him I want to pay my loan I just can not afford the XXXX withdraws of {$240.00} bi-weekly, he was extremely rude and ridiculed me saying he could not help me with anything until my account made it his way. The Cash Store and Cottonwood are incabale and unwilling to help me make different payment arrangments, I am stuck, I can not afford this, my finaces are spinning out of control because of this payday loan, and no one on their end can help me resolve this loan, Its simple I want to make less payments per month. I wish I had not been so confused with all the paper work and understood more of what I was getting myself into. Bottom line is I do not know where to go from here.
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. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

Subject : Discrepancies in Reported Information Consumer Complaint I am writing to dispute inaccuracies in the credit reporting from Duvera Billing Services , LLC on my XXXX report. The investigation began on XXXX, and it concluded on XXXX. While XXXX correctly reported information, there are discrepancies in balances compared to XXXX. This inconsistency violates consumer protection laws, and I am requesting an immediate correction. I will submit proof of discrepancies for your review. 

Thank you for prompt attention.
Product: Mortgage

Have been under economic hardship since my divorce in XXXX. I was laid off from work as well in XXXX of XXXX. I am a single mom of XXXX children living at home with me. I have since found odd end work from home jobs and currently have stable and reliable full time employment. I have experienced filings for loan modifications with XXXX XXXX XXXX ( my prior lender ) with the same issues that I now have with the new lender, Bayview Loan Servicing. With XXXX, after ALL of the trial payments were made, I was sent to a notary about XXXX times to have the same new loan modification documents signed, each time saying it was not notarized correctly. Now with Bayview Loan Servicing, my first XXXX trial payments went through and Bayview kicked back my last payment, therefore making me late on the XXXX payment when they had accepted it on XXXX/XXXX/XXXX and then kicked it back XXXX/XXXX/XXXX ( a XXXX later ). So they did receive my payment but want it to appear as though I missed a trial payment so that they could not give me the loan modification. I can see now that mortgage companies would do something like that since XXXX so far have done that to me. I even made a payment after I filed taxes in XX/XX/XXXX this year in an attempt to pay what I could on the mortgage and the Loan Officer XXXX XXXX said that payment could not count towards the trial payment and would only go towards the balance on the loan. I just do n't want to lose my home. I would just like to get the Loan Modification I have been trying to apply for several times in the past XXXX or so years.
Product: Debt collection

Hello I have had this Lady named XXXX call me repeated amount of times and also contacting my job looking for me on multiple times throughout XXXX and XXXX of 2017 trying to collect for a student loan, Harassment is what its turning out to be collecting Debt. She works for XXXX XXXX XXXX calling from phone number XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy. 

Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

While on vacation my wallet was stollen, so i informed suntrust of this and canceled cards to my personal account. My estate/business account opened with suntrust bank had a large amount of money missing. I went in to make a withdrawal, once the withdrawal was made i had the teller ( which happened to be the manager ) print off my balance which read {$1800.00}. I asked her to relook at my account because that was inaccurate. She informed me to call the fraud prevention and start a claim. she printed off all of my withdrawal slips since the account had no debit cards to it. The fraud team investigated my account and informed me that they had found $ XXXX. They emailed over the affidavits and i promptly got them notarized and returned. Upon recieving them they told me in 15 days my money would be returned. The XXXX day i called to request that they do not put any money in that account due to what previously happened and they were quick to inform me that they denied it. and refused to give me a reason why they decision was changed. i am a local business owner and i want justice. i work hard for my money not for it to be taken. I have to now try to rebuild my credit which was in great standing prior. I have documents proving this is fraud! the withdrawal forms, some have missing dates, wrong signatures, dublicated withdrawals, and the id used was my TN id which was stollen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, According to 15 U.S. Code 1681b ( 2 ), I didn't expressly give Equifax written permission to furnish a consumer report about me, nor specific entries contained within a consumer report. As a consumer, pursuant to 15 U.S. Code 1681b ( 2 ), it's my right to have a say so as to what appears on my consumer report and I'm demanding that Equifax remove two accounts from my credit profile ASAP. 

Account 1 : XXXX XXXX XXXX Alleged late payment that is still displaying open but last updated XX/XX/2019 Account 2 : XXXXXXXX XXXX  A closed charge-off account that was last updated XX/XX/2019 My next move will be to file a lawsuit against Equifax if these accounts aren't removed from my credit profile ASAP. 
Thank you, XXXX
Product: Mortgage

In late 2015, I received a mortgage modification from Chase Mortgage. At that time the mortgage payment was set at {$850.00} and a special Chase bank account linked to the mortgage was set up for direct payroll deposit so the mortgage could never fall into arrears. Since that time, Chase Mortgage has consistently failed to debit mortgage payments from this linked account per the terms of the modification, thus causing the mortgage to fall into arrears. Now Chase is threatening to foreclose due to their own failure to comply with the terms. 

After being notified in writing about this accounting error with a NOTICE OR ERROR followed by a QUALIFIED WRITTEN REQUEST, Chase has failed to remedy the problem, and has merely responded with form letters. I even hired an attorney to send Chase a letter demanding that they fix their accounting errors, and Chase once again responded with a form letter. 

To resolve this matter to my satisfaction Chase must : *Cease and desist all foreclosure actions and threats. 
*Timely post FROM the linked bank account TO the mortgage a sum of {$850.00} on or about the due date in compliance with the terms of the modification. 
*Move any and all alleged missed payments to the end of the mortgage without the need for a full mortgage modification. 
*Notify all credit bureaus that my mortgage has been " current '' since XXXX of 2015 and remains so.
Product: Bank account or service

My CD matured on XXXX/XXXX/2016. Prior to the due date I contacted Ally Bank to arrange for a partial redemption on the CD on the maturity date. I have spent literally hours on the phone and on hold trying to get a portion of my maturing CD funds transferred to my checking account. As of XXXX XXXX I am still on hold trying to get my funds sent that were supposed to be sent on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there is an outstanding collections from city of XXXX utilities stating that I owed {$500.00}. It was then transferred to XXXX XXXX XXXX. i paid the remaining balance in cash and closed out the utilities account in person at a service center when I moved from XXXX in XXXX of XXXX. I did this because I had roommates and we combined our cash to close out the account. I then received a call from XXXX XXXX XXXX a few months later saying a balance was in collections. There was no remaining balance. I have attempted to dispute it with them over the years with no success. This is the only negative mark on my credit at all. I was never even notified there was an issue from the city of XXXX, and when I tried to call them directly they told me the account was at a XXXX balance and closed out.
Product: Vehicle loan or lease

Bank of America Paid {$1500.00} online XX/XX/24 for car payment due XX/XX/24. 
Account document received XX/XX/24 reflects payment. 
Charged late fee of {$27.00} for late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All of the unauthorized hard inquiries on my credit report along with the dates they were made. Transunion did not assist me in removing these off my credit report as when I explained to them these inquiries weren't mine, I was simply told there is nothing that Transunion can do about this and that it is out of their hands.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} - Late/Closed XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Open XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$9.00} Late/Open
Product: Debt collection

In XX/XX/XXXX I attempted to have XXXX XXXX installed at my home. The company ran into problems connecting and after several attempts I said forget. The equipment didn't work on all of my systems so there was no use. I spoke to several people there and was told to take the equipment to XXXX and they would pack it up and send it back to them. I than purchase the system from XXXX XXXX. I was told that XXXX would pay for any disconnect fees. WRONG In XX/XX/XXXX my credit took a dip and after checking it out I found that XXXX XXXX  had sent the fees into collection. I have no idea what game is being payed
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with two forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet Metro 2 standards. 

I can tell that a proper investigation has not been conducted by Transunion. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account # 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 Secton 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 
{$78.00} payment to XXXX  that shows a XXXX balance but hasn't been removed from the credit report. 
I would like this immediately wiped from my credit report. And if there is a fee for that I will pay it. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX and Equifax has Violated my rights by Having Late payments on my Credit report and a charge off account. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC Section 1681a- Definitions ; rules of constructions- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

15 USC Section 1681- congressional findings and statement of purpose ( A ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

15 U.S. Code 1681n. Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Mortgage

On XXXX I received notice that my mortage was being transferred to Carrington Mortgage company On XXXX I received a letter that an escrow analysis had been completed and due to the projected taxes, our mortgage would increase by over {$600.00} a month. 
On XX/XX/XXXX XXXXI contacted Carrington and advised them that my taxes had not been increased and the analysis was wrong. I spoke to XXXX in the tax department, and she advised me to send them the letter from my tax assessor. I uploaded my tax document and was told it will take XXXX days to research. 
On XX/XX/XXXX - I called my municipal tax assessor to confirm that there was not a tax increase and she informed that there had not been and the amount I had for my taxes was correct. 
On XX/XX/XXXX - I called Carrington Mortgage to find out the status of the escrow analysis and spoke to XXXX who indicated they received my tax document with the correct taxes, and she would request a new escrow analysis, On XXXX I called Carrington Mortgage and spoke to XXXX and she said she could see the new request for the correct taxes and a new escrow analysis would take XXXX  days. 
On XXXX I received the exact same escrow analysis letter as the XXXX on XX/XX/XXXX and nothing was changed. 
On XXXX I called Carrington Mortgage and spoke with XXXX again and she was frustrated because the XXXX Department didn't look at her notes the first time with the correct quarterly taxes. I was assured again that it would be taken care of. The mortgage payment for XXXX was not sent because the mortgage payment amount was incorrect. I informed this company that I did not want to be charge a late fee and have my credit affected because of their error. Was told that they could waived the late once everything was corrected. 
On XX/XX/XXXX - I called Carrington Mortgage and spoke to XXXX and he said he saw the escrow request and it would be updated in the system no later than XX/XX/XXXX and I would have the correction in my account so I could pay the correct XXXX payment. 
On XXXX I checked my Carrington Mortgage account again there had not been correction. So, I called again and spoke to XXXX, and then XXXX in the XXXX Department that said they had made the changes to the taxes on their end, and she transferred me XXXX in customer service, and he transferred me to XXXX who said she will contact the XXXX Department and get back to me. 

This process has been extremely stressful and time consuming. I have never had this kind of problem with any escrow analysis on another house I own for over 30 years. This company has projected an outrageous tax increase without checking the facts and expected us to pay this significant increase in our mortgage payment. Carrington Mortgage has not done its due diligent and has not properly assess my taxes based off facts not projections. I find this to be an unfair practice and predatory and they should be investigated immediately.
Product: Debt collection

On XX/XX/2019 an account from IC Systems showed up on my credit report and I do not have any debt. I am a victim of identity theft.