23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We close on our loan in XXXX of XXXX. This was a new construction home where the XXXX was responsible for paying XXXX taxes. In XXXX of XXXX we received a delinquent tax notice for our school taxes due in XXXX of XXXX. I called citizens to pay the delinquent tax bill However they charged us for the school taxes even though they were not our responsibility. Also at this time our tax lines were updated to XXXX tax amounts which were for land only and not including the home. We received an average escrow check for {$2600.00} some change in error. I called citizens again to let them know they needed to reimburse our escrow for the school base amount that was not our responsibility and to correct the tax lines because we did not have an overage. I have reached out to citizens on multiple occasions since XXXX trying to resolve and fix their error however it has not been fixed and I am still out the money for the school taxes that they took from our account in error. My last contact I emailed them the estimated amounts that I received from our county and school for them to update the tax lines and the response was that they were in the process of looking at something else and that they didn't need to look at the new request. This has been a very frustrating ordeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my items on my credit report this is identity theft please remove this immediately
Product: Credit reporting or other personal consumer reports

I was stunned to see inaccurate accounts pop up on my credit report this morning, with no explanation for how they got there. I check my credit report regularly, but today, there were errors that seemed to appear out of thin air. I even refreshed my browser, hoping it was just a technical issue, but the wrong accounts didnt disappear. This situation is deeply troubling, so Im asking for a thorough review of the documents I've sent to ensure this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX is a service that offers payment loans for purchases to allow for making smaller payments over a timeframe. I had previously used their service for a purchase and successfully paid it off. On XX/XX/XXXX, I applied for a payment loan for a new purchase, and was denied. According to 12 CFR Part 1002 1002.9, a potential creditor must provide an explanation for a credit denial within 30 days. I finally received the denial explanation today, XX/XX/XXXX, over 6 months later.
Product: Credit reporting or other personal consumer reports

Fair Debt Collection Practices Act 15 U.S.C. 1692c is part of the Fair Debt Collection Practices Act ( FDCPA ), a federal law that regulates how debt collectors can contact consumers. The purpose of the FDCPA is to stop debt collectors from using abusive. Therefore having this on my reporting is another way of contact and I would like it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and had some concerns about the information in my consumer credit file. Experian was first notified on XX/XX/2018 ( Attachment A ). On XX/XX/2018, I received report which stated on page three that the company that reported the information has certified ( Attachment B ) to Experian that the information is accurate. 

Additionally, I sent a second letter ( Attachment C ) on XX/XX/2018, regarding account # not properly being verified, and received Experians XX/XX/2018, report # XXXX ( Attachment D ). This unverified report displayed Experians policies for handling disputes and nothing else. Page two of the report indicated that the page was intentionally left blank. 

In good faith, I decided to send a third letter ( Attachment E ) on XX/XX/2018, reiterating the same points made in letters one and two, and to provide proof to support the statements made in letter three. Despite sending these letters, Experian will not properly investigate my concerns regarding account number # ( adhering to FCRA ) and the other items disputed in letters one through three. A XXXX dollar fine for each violation means nothing to a company that makes billions per year. Lastly, their total disregard for the law is arrogant and insensitive. See additional support ( Attachment F ). 

Please hold Experian accountable. I am in the process of purchasing a home within the next nine months.
Product: Mortgage

My attorneys and I have been trying to complete the sale of my home. We have been unable since 2015 due to the fact Specialized Loan Service refused and stated to us that Intervening/Mortgage assignment documents does n't exist leaving us with no option but to sit and continue to accumulate unfair fees and SLS lawyer and other fees. When my attorney asked XXXX and her supervisor for SLS attorney information they stated that they could not provide that to him. I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and several other agents. My information continues to be passed and ignored. Today, instead of the mortgage assignment documents being sent to me. I received the mortgage assistance documents not what I asked for. I am a recently divorced mother of XXXX kids with no income due to a medical illness. I need to sell in order to care for my family, bills and my XXXX.
Product: Debt collection

I received a email on XX/XX/XXXX from Westlake Portfolio Management about a car I got on XX/XX/XXXX, I asked Westlake if they had any of the orignal documents from Us Auto Sales also known as USASF and if they had the amount they sold the car for at auction but they said they didn't have either of the documents. I explained to them that I voluntarily repossession for the car and never recived anything from Us Auto Sales about how much they sold the car for. I was told to call them or go by there office but all of the Us Auto Sales are closed down so no one is in the offices at all and when you call the number to Us Auto Sales it redirects there number back to Westlake Portfolio Management. They were wanting me to get receipts on where I paid but because Us Auto isn't open anymore there website don't allow you to login to get them. The person at Westlake Portfolio Management was acting like they were wanting me to pay, because the lady said if I didn't pay they were going to put it on my credit, and I advised them that USASF had a law suite . Us Auto Sales never done what they were suppose to because when I and my Husband signed the paper work we were told that we would be paying a little more to have a warranty on my car. From day one we had issues and lots more after that, the shops they have you go to didnt even look like they are certified to be doing work on cars, and we had aproblem with the car where it was a hazard to be drove on the road and I advised Us Auto about this but they didn't want to send the info they were supose to in order for you to go to a shop to get it fixed. So due to me having medical issues my husband called the toll free number for Us Auto but it went to the company that was taking payments and my husband had to call them for over a week for some one to come and get the car because it wasn't doing us no good, and Us Auto never gave I or my husband a paper for us to sign because we voluntary gave the car back because from what I was told was they were closed already. The amount Westlake Portfolio Managementare saying I owe is {$14000.00} but would take {$2800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT, this Creditor has violated my rights. Under 15 USC 1681 Section 602, it states that I have the right to privacy. 15 USC 1681 Section 604 A - Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, FILE # XXXX I am writing to formally dispute the inaccurate information on my TransUnion credit report and to demand immediate compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681. 

1. Address Correction You have failed to update my address correctly despite my prior requests. My correct address is as follows : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SC XXXX I demand that you update my credit file immediately with the correct information and remove any outdated or incorrect addresses that are no longer valid. Failure to do so constitutes a violation of my consumer rights under the FCRA. 

2. Dispute of Negative Accounts & Failure to Properly Investigate Additionally, I am disputing the following negative accounts on my credit report as they are inaccurate and unverifiable : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Despite previous disputes, TransUnion has failed to conduct a reasonable reinvestigation as required under 15 U.S. Code 1681i. If you can not verify these accounts with proper documentation, they must be deleted from my report immediately. Your failure to comply with this law is an ongoing violation of federal regulations. 

You have also stated that my idenity theft dates dont match to the negative tradeline, how could this possibly be true? You are not investigating properly and breaking federal alw under FCRA.The dates are 100 % vaild to these negative fraudelent tradeline. In fact, the distrubter has no dates to match this tradeline but I have provided that aswell! All attachments are below.XXXX  is in violation of FCRA 15 U.S. Code 1692e and 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) & ( B ). XXXX XXXX has a 90 day late payment in 1 month after they claim I paid the month before, how is this accurate? Its not, If a creditor claims a debt is forgiven or canceled but does not issue a 1099-C, they may be misrepresenting the status of the debt under 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ). Never received anything from XXXX, another violation.
Product: Credit card or prepaid card

I had a package stolen off my porch and tried to resolve this with the company I ordered from, XXXX XXXX XXXX. I have video evidence of the theft. Despite this, XXXX refused to refund me and so I filed a chargeback on my credit card. XXXX then emailed me saying they had refunded the purchase. In reality, they had not and had filed a rebuttal to my chargeback and I never received this rebuttal. I did not receive a letter in the mail nor was there ever a notification on the Chase app, which I check regularly. I called customer service and Chase said there was nothing they could do because 30 days had passed since XXXX submitted the rebuttal. Upon hearing this, I went searching for this letter, and it is buried so deep within several menus and is nearly impossible to locate. It is clear that Chase did not want me to find the letter. Furthermore, their customer service telephone hours are only during weekdays when I am at work, and have a long hold time so it is difficult to reach them if you work full time ( I work long hours in an operating room and can not make phone calls during the day ). After finally finding the letter, I found that the item that was stolen from me ( a formal dress ) was returned in the XXXX store the same day it was stolen, and was exchanged for a bunch of mens ware. Despite having evidence of this crime that I filed with the police, and evidence that XXXX knew the merchandise was stolen and still filed the chargeback rebuttal, Chase refuses to refund these charges. XXXX XXXX # XXXX
Product: Credit card

I applied and got the Citi card for XXXX XXXX XXXX. The promotion promised {$400.00} off my flight. The payment is due soon so I made the full payment. But I tried calling their XXXX number over 6 times. Everytime the automated system didnt recognize my social security number somehow. The one time I was barely able to get through their XXXX awful automated system to a human, they also couldnt pull up my account and gave up. I have XXXX ability to see why I am not getting the {$400.00} off. And since theres probably interest next month, they must apparently mail me a check for the {$400.00} off, and close account as I do not trust them anymore since they cant even verify my account, yet I can log in easy enough
Product: Credit card

I am writing to formally lodge a complaint regarding an unresolved chargeback issue involving my Citi credit card. Despite following the appropriate steps and contacting the merchant, who has confirmed that the refund has been processed on their end, I have yet to receive the credited funds from Citi. 

Here are the details of my situation : Merchant Interaction : I contacted the merchant directly regarding the transaction dispute. The merchant assured me that the chargeback had been completed successfully, and the funds had been withdrawn from their account as part of this process. 

Citis Inaction : Despite the merchants confirmation and my multiple attempts to resolve this matter with Citi, the funds have not been returned to my account. Citi continues to hold these funds without providing a legitimate explanation for the delay. 

This situation has caused me significant inconvenience and financial strain. I believe that Citis failure to process the refund promptly is unacceptable and warrants your immediate attention. 

I am requesting the Consumer Financial Protection Bureaus intervention to resolve this matter expediently. If my claim is not resolved promptly, I will have no choice but to consider legal action to recover the funds that are rightfully mine. 

Please find attached all relevant documentation, including correspondence with the merchant and Citi, as well as any other pertinent information to support my claim. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Debt collection

This account appeared on my credit report for an {$830.00} balance owed to someone. I have never been contacted by this company regarding any debt they purchased on behalf of anyone and since all my bills have been paid off, I do not owe anyone anything past due. This company failed to contact me with regard to any debt affording me the ability to dispute any invalid information.
Product: Mortgage

I lost a job in XXXX and had to enter a forbearance plan with my mortgage company. I XX/XX/XXXX, I was ready to come out of the forbearance and reassume monthly payments. I have now been trying to close out the forbearance for 8 months and my monthly statement shows Im over a year behind on my mortgage, even though I have made a monthly payment every month since XXXX. Since then, I have had XX/XX/XXXX XXXX and been out of work for 2 months. I need to refinance and cash out some equity to get my financing back under control and my mortgage company is causing me distress by not closing my forbearance out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX Washington, XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Dear Sir/Madam, Re : Dispute of Inaccurate Information and Late Payments on OPEN Account I am writing to dispute the inaccurate information reported on my credit report for the following OPEN account : - Account Name : XXXX XXXX Account Number XXXX XXXX - Original Creditor : XXXX XXXXXXXX reports the account was paid as agreed, with a 100 % on-time payment history. However, Experian and XXXX report 1 late payments, which is inaccurate. Despite multiple disputes ( over 1 time ), the error persists.

I request your assistance in resolving this matter. The FCRA requires accurate reporting, and I demand correction. 

Please investigate and take appropriate action to correct this error. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX XXXX balance {$0.00} account # XXXX 30 days late in XXXX XXXX, 60 days late in XX/XX/2021, and 30 days late in XX/XX/2021.
Product: Debt collection

They said I opened an account in 2015. I was XXXX  in 2015 in the Texas Department XXXX XXXX XXXX XXXX in the XXXX XXXX. The dept was paid off but they said I was late with payments. It is not my account.There are several XXXX XXXX. This one is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report and need to update from reporting. 
XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

There was a hard inquiry made on XX/XX/2022 from cap1 Saks fifth. This was not me. I am not sure if they were able to open a card for not. I tried to call capital one and they are closed this morning. I will be making another call later today also.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft I contact your experience. I asked what was necessary to delete fraudulent credit report then I then created a police report. FTC report showed proof of residency and identity and steel no change. 
Experian gives me a hard time argues with me hangs up on me keeps me on hold for two hours at a time. I only have {$140.00} negative on my profile and they still have an issue with deleting fraudulent activity.
Product: Mortgage

My refinanced mortgage loan is a non-escrowed account, per the loan documents. 

Freedom Mortgage began escrowing the account for property taxes in XXXX 2017, because it claimed that I had unpaid taxes. I had no unpaid taxes. My taxes were paid on time and I sent the proof to Freedom Mortgage. 

Over the past 12 months, I have attempted to delete the escrow account and revert the account back to have borrower paid property tax. Freedom Mortgage has refused to honor my request. 

Freedom Mortgage has also underpaid the property taxes, which caused fees and interest to accrue and the home to go into tax title. Then, Freedom Mortgage added the fees and interest to the escrow account.
Product: Mortgage

My mortgage was sold to Loancare LLC in XX/XX/XXXX. We registered on their website to make the monthly payments via the web. When I tried to make my current payment, although I have fifteen day grace, I realized the company added a {$10.00} fee to my payment. As I read down the page, they started to charge their customers : On or 1-4 days after due date - No Fee 5-9 days after due date - {$5.00} 10-15 days after due date - {$10.00} Our due date is the first of the month and we paid it on XX/XX/XXXX. We have email & receipt confirmation of such, but they did not process/post the payment until XX/XX/XXXX. 

This was the first time we had to pay any such fee since our mortgage was sold. Ive made multiple calls to them and have had reps tell me it was a late fee or a service fee. When I would tell them this was a VA loan, they would change it to a processing fee. When I asked why we never had this until this month, they said the info was posted on their site a few months ago. I told them I never received this change in writing, as we have all of our monthly statements from them, the reps said again, it was posted online. 

I also asked how they could just change my terms and charge this fee, they would say if its paid before due date, there is no fee. So this is a late fee disguised as a service fee, where they fiddled with the dates to increase the fee to their benefit. The fee was listed as a One Time Draft Fee under a separate section. 

When I asked why my payment was not credited as being paid on the eighth, I was told its credited as the day its processed, not when its paid. This is clear violation of the Board of Governors of the Federal Reserve Systems XX/XX/XXXX final rule, that added 226.36 ( c ) to Regulation Z concerning mortgage loan servicing practices. Section 226.36 ( c ) requires loan servicers to credit a payment to a consumer 's loan account as of the date it is received, provided the consumer is not penalized by the delay in posting. 

I asked to speak to a manager and was told to submit my complaint in writing.
Product: Credit card

I signed up for XXXX Costco card. Around XXXX XXXX, 2016 I received a bill from Citi informing me I was late on a payment. I never signed any customer agreement with Citi, and now they are charging me late fees for a renewal charge I never authorized.