23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During the XX/XX/2015, we decided to look for a better mortgage loan than our current one. It was an FHA loan with a modification and a first lien of {$150000.00}. After searching and reading we decided on Flagstar Bank. Our monthly payment was {$2300.00}. Two months after we had signed escrow papers and started monthly payments we received notice that escrow had made a mistake. They had included only the first six months of our property taxes. Our monthly payments were going up {$500.00} each month for the life of the loan. I asked if they had any suggestions or could help us and I was told I could sell the house. I was upset that we had paid {$7000.00} in escrow fees just to gain a monthly payment similar to the previous loan. 
I started to look into alternatives such as : " Keep in California '', the State Controller 's Office, XXXX, the XXXX, and HUD counseling. We were told we had too much money ; we were told we needed to go in with another person so we would have enough money ; and they did not like that we had used XXXX services. We did not have any money removed from the accounts, but a few accounts lowered the interest rate. 
At the same time we tried to work with Flagstar. We were assigned a Flagstar representative to help us, but she never called or e-mailed us. I finally asked Flagstaff if they could extend the new payments. They did so for one year. Later, I found out that they could have extended the payments for up to five years. At the same time they sent us a streamlined refinance, but it still had a large monthly loan payment. I currently am waiting for another loan, but have not heard anything about it. 
We also were given a compaints officer from FHA who sent two e-mails and a call saying that she was waiting for Flagstar to finish looking over the escrow papers. So far, this has taken almost three weeks. FHA referred me to our complaints officer 's supervisor who never did call us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/1994 XXXX XXXX XXXX XXXX, CA XXXX XXXX These account have been opened fraudulently without my legal consent or permission. The credit bureaus will not remove. I have filed police reports as well. 
Please have them remove these inaccuracies immediately. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. 
It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. 

ACCOUNTS XXXX XXXX Amount {$1400.00} Open XXXX XXXX XXXX  XXXX Amount XXXX {$900.00} XXXX XXXX  Amount {$990.00} XXXX XXXX XXXXXXXX Amount {$420.00} XXXX XXXX XXXX XXXX Amount {$670.00} XXXX XXXX  XXXX Amount {$190.00} XXXX XXXX Amount {$210.00} XXXX XXXX XXXX XXXX  Amount {$1000.00} XXXXXXXX XXXX XXXX XXXX Amount {$1700.00} XXXX XXXX XXXX Amount {$560.00} XXXX XXXX XXXX Amount {$470.00}
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy and validity of several negative accounts appearing on my credit report. These accounts contain inaccurate, outdated, or unverifiable information, and I have previously attempted to resolve these discrepancies with the credit bureaus and the creditors involved. 


The accounts in question include XXXX and, XXXX XXXX which are credit line accounts. 

The reported balances, dates, or statuses are incorrect and do not reflect accurate or verifiable information. 
Some accounts are past the reporting period allowed under the Fair Credit Reporting Act ( FCRA ). 
I have requested validation from the creditors, but they have failed to provide sufficient documentation proving the accuracy of the debts. 
Actions taken : Previously, I sent dispute letters to the credit bureaus and creditors requesting verification and correction. 
The credit bureaus responded but the negative accounts remain unchanged despite the lack of proper validation. 
I have also attempted to contact the original creditors, but they have not provided adequate proof of the debts or their reporting accuracy. 
Since these accounts contain incorrect or unverifiable information, they should be removed from my credit report under the Fair Credit Reporting Act ( FCRA ). I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the credit bureaus and creditors comply with federal regulations. 

I appreciate your prompt attention to this dispute and look forward to a resolution. 

Thank you.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I keep receiving automated calls from an agency called Credit Protection Association ( so far two that I can tell on XX/XX/XXXX around XXXX XXXX and XXXX XXXX, there might be more calls ). I do n't answer the calls and then they leave a voice message saying that they are this agency, the say my full name and state that I have a debt they want to collect, which I do n't know about but I assume it could be from a recent already paid amount I owed to XXXX XXXX XXXX, paid directly to the cable company on XX/XX/XXXX. I am not sure this is the case. It could be some false debt they are trying to collect. Never paid them a cent and never heard from them before.
Product: Credit reporting or other personal consumer reports

I am wanting these inquiries to be deleted because I did not authorize these companies to run my credit. This is fraudulent. The date was XXXX XXXX and the companies are listed below. 
Jpmcb Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Ordered items on XXXX XXXX. Item was charged, waited for delivery. On day of delivery XXXX tracking shows it is delivered but the photo is of another location that is not my residence. I contact XXXX but they say XXXX. The seller has shipped the item with no ability to file a claim, and that only the seller can make a claim if anything goes wrong. XXXX. They can not give any information due to privacy about who the seller is or where it was delivered, but with my number they could confirm the address shipped, and the name of the person it was shipped to were not mine. Attempted to contact seller and no response. Filed dispute with Chase, uploaded all this information and somehow the institution claims that the charge is valid for goods and services rendered with which I never received.
Product: Mortgage

I am current on the mortgage payments and paid {$300.00} extra to the principal on ( XX/XX/21 ) .Specialized loan servicing applied my payment to the P/Interest for the next month payment due XX/XX/21 Eventhough I noted on the payment is was a additional principal payment.I need them to apply the payment as I directed.
Product: Credit card or prepaid card

On XX/XX/2020, I purchased a XXXX XXXX XXXX XXXX carpet cleaner from XXXX XXXX XXXX for {$190.00}. Payment was made via XXXX with my Goldman Sachs Mastercard as the funding source. 

On XX/XX/XXXX, when I did not receive a shipping confirmation from the vendor, I replied to the order confirmation email inquiring if the carpet cleaner had shipped. 

After waiting 3 weeks for a response, I filed a claim with XXXX on XX/XX/XXXX. The claim was denied on XX/XX/XXXX because, they said, the seller had provided shipping confirmation. 

My XXXX statement shows the charge was made to my account on XX/XX/XXXX, the day the order was placed. However, payment was NOT made to the company, it was made to an entity named XXXX with a seller name of XXXX XXXX XXXX and an email address of XXXX. 

The shipping information indicates it was shipped on XX/XX/2020 via XXXX which, coincidentally is the same date XXXX denied my claim. The XXXX tracking number provided by the seller is XXXX. I went to the XXXX  site and entered this number and it shows the item was NEVER DELIVERED. It also showed the weight of the package at 13.6 lbs. The unit weighs 26.3 lbs per the manufacturer. Per the XXXX website, it seems to have gotten lost somewhere in XXXX, PA It has been more than 120 days, so this information is not readily available on the XXXX website, but I do have a screenshot that I can provide ( see attached ). 

In addition to the suspicious name change and offensive email address, when you try to go to their website now, it seems it has been taken down. My virus protection software cautioned me not to proceed beyond the warning window. 

I have made 1 failed attempt with XXXX and 3 attempts to resolve this issue with Goldman Sachs and provided proof of all statements made above. They continue to refer it to their " disputes team '' who have rejected it twice based on the same doctored pdf document provided by the vendor showing that XXXX delivered the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE CARD XXXX XX/XX/XXXX {$0.00} XX/XX/XXXXCHARGE-OFF {$8700.00} This account was reported back on XX/XX/XXXX, yet it still shows as a negative on my credit report. Also, when I worked this out with this company they advised me that there would be NO negative credit reporting as I paid a portion of the balance. This negative entry should be removed immediately ( see attached letter dated XX/XX/XXXX ). I previously filed a Complaint in connection with this ( Complaint No. XXXX ), and the company responded. However, I just received the attached correspondence and settlement check for a lawsuit against the settling agent dated XX/XX/XXXX. Clearly I was the victim of a fraudulent scheme by this company and I would ask that Chase correct my credit report to state that I settled this debt, as it was my understanding that I had done so. This is a negative item on my report through no fault of my own. Thank you.
Product: Debt collection

I received a call from a company id'ing themselves as legal services who stated they refused to give me there address, stated they dont provide addresses and then they stated they will be revieiwin my address, employment address, notify pending matter which would be reviewed for delivery for proper documentation to send to me however when i asked them the name of business they stated legal services, when i gave my name they refused me my right to know what it was pertaining to then they hung up on me several times and then stated it is NO longer in there office when i asked them what the name of the firm was and informed them i knew my legal rights.. XXXX stated then you know its against the law to NOT pay your debt but they wont tell me anything else she said its been transferred out of our office and hung up in my face
Product: Vehicle loan or lease

I went to XXXX XXXX in search of a car lease within a week of my bests friend going to the same company and getting a lease. We had similar credit and a similar situation when we applied for our loans. We both had co signers. Our credit was actually better than there 's. We walked away with a XXXX XXXX XXXX with a {$290.00} payment for 36 months with a XXXX mileage cap. My cousin walked away in a XXXX XXXX XXXX XXXX with a {$270.00} payment for 36 months with a XXXX  mileage cap. I have asked the company how it is that we both were there within a week and managed to have such a difference in our mileage caps. No explanation. In my opinion this is unfair and unjust. They should be required to offer the same lease terms to borrowers in similar situations.
Product: Prepaid card

Card.com Block my account with out telling me i call them few months ago they so call say wrong date of birth that cant not be true i offer to mail my ssn number and ID then they told me it would take up to XXXX hours after i callback still no help my prepaid card is block for no reason and they about the fees also because they are charging me {$9.00} ever month and my card it block i cant use it i also verify ssn number and ID i ask just close my account and send my balance in mail they said no
Product: Credit card or prepaid card

Paypal pre paid credit card i lost it and had only my handwritten notes on card numbers and i homeless and i could not get them to send me a replacement card even if i paid them for it.i even purchased a another card from same store and same card as previously purchase and they refuse to transfer my life savings at the time was the {$670.00} they had and was all i had and i was sent to prison and that was 5 years ago and they won't even try to help me. Lots of people have story like me they pray on the very poor people and they don't have anyone who cares about hurting and sometimes inadvertently causing people to die in some cases I don't have the old card number anymore because of how long this has taken but I did get another card from them with same information to try and resolve this they take your social security number both times they can not tell me they can't find that they don't want to I gave you my new card number that's what I supplied you with please help me.
Product: Credit reporting or other personal consumer reports

Dear cfpb can you please have XXXX & transunion to provide me with written documentation of how they verified XXXX XXXX XXXX on my credit profile Ive already called numerous of times and sent letters if they can not provide me with this information please have them to remove this account from my credit profile.
Product: Credit card or prepaid card

I disputed this alleged account and requested through the credit reporting agencies that the accuracy of this account be verified and that documents on file be mailed to me to show detailed billing and contractual obligation to pay the alleged debt. The following letters were sent to XXXX, XXXX and XXXX which did not deny liability, but requested 100 % accuracy in reporting and verification of the alleged debt and documents used to verify the debt to be sent to my address for review : Letter 1 sent on XX/XX/21 Letter 2 sent on XX/XX/21 Letter 3 sent on XX/XX/21 Letter 4 sent on XX/XX/21 As of the date of this complaint, I have not received documents to satisfy my request. Please note that I never denied the ownership of the account, I requested the account be reported 100 % accurate. I do not recall spending XXXX. I believe I have a right to review the charges on the account before agreeing to pay the amount you allege, I owe. 
Since I never received billing statements, I am requesting all statements to show how the alleged balance was calculated. Please send them to my address above. I want to see all charges on the account to arrive at the sum of XXXX. 
Send me all statements from when the account was opened along with any applications and contracts completed to open the account bearing my signature and opening dates, where the account was opened ( if opened at a branch, provide the location ), and any other information that was supplied to open and use this account. Since you are reporting the account as charged-off, send me a notarized statement that the debt was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable.
Product: Mortgage

The mortgage servicer on my home loan, Select Portfolio Servicing ( SPS ) informed me the company issued a refund check for {$130.00} in XX/XX/XXXX for a refund of escrow overpayment. Since then we have spoken with CSRs and supervisors on more than 10 separate occasions and written multiple times notifying the company that we never received the check and to request a replacement. 

Each time we speak with representatives, we receive conflicting, inaccurate, and outright misleading answers, including : 1 ) The check was cashed XXXX XXXX XXXX 2 ) In response to my request to provide a copy of the cleared check for my review of the signature, SPS said they could not send me a copy of the check 3 ) After submitting a written request as a QWR, SpS responds every 30 days stating they require 30 more days to research the matter 4 ) In a phone conversation on XX/XX/XXXX a rep told me the check was being prepared for mailing that week and verified the mailing address 5 ) Today, a supervisor told me the Advocacy Unit is still researching the matter and she could not give an expected completion date. I told her I will file a complaint with the CFPB today.
Product: Credit reporting, credit repair services, or other personal consumer reports

My self credit card has been reporting my balance incorrectly and I've paid it off on time each month. I've reached out to self and the credit bureaus and disputed the issue and nothing has been corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

My Account with XXXX XXXX should not be reporting any negative information. PENDING LEGAL LITIGATION!
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Late Payment Reporting. 
To Whom It May Concern : I am filing a formal complaint against Experian for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This ongoing inaction constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of erroneous late payments on my account by Experian directly breaches this legal requirement. Furthermore, 15 U.S. Code 1666b mandates creditors to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this statutory requirement. 
TILA Violations The Truth in Lending Act emphasizes the necessity of accurate and timely disclosures to consumers. The misreporting of late payments on my account has directly harmed my creditworthiness, which TILA aims to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act highlights creditors ' responsibility to provide timely statements, preventing unfair penalties to consumers. The continued inaccurate reporting violates this protection, unjustly affecting my financial stability.

Payment History and Errors Across Credit Bureaus Experian is reporting similar discrepancies that do not reflect the accounts actual history : XXXX : Incorrectly listed as 30 days late despite being paid in full. 
XXXX : Inaccurately reported as 60 days late. 
Days Late - 7 Year History : Experian lists two 30-day late entries and one 60-day late entry, all of which are incorrect. 
Lack of Resolution Since Previous Dispute Despite submitting multiple disputes, each bureau has continued to report these errors without change, damaging my creditworthiness and violating my rights under the FCRA and TILA. The inaction on these inaccuracies has resulted in ongoing harm to my credit profile and financial stability. 
Desired Resolution Immediate Removal : I am formally requesting the immediate removal of all inaccurate late payment notations from my credit report, including assurances of corrected and accurate reporting across all three bureaus. 
Written Confirmation : Please provide written confirmation of these corrections once the inaccuracies are removed. 
If this issue is not resolved promptly, I will escalate my complaint, potentially involving legal action and further complaints with appropriate consumer protection agencies. 
Thank you for your attention to this matter. I look forward to a swift and accurate resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An incorrect account is reporting on my credit reports XXXX XXXX XXXX
Product: Credit reporting

Good afternoon : Equifax erroneously has a " bankruptcy '' reported on my credit report. At no time have I EVER declared bankruptcy. I called the XXXX Bankruptcy XXXX of the XXXX XXXX and they affirmed that they have absolutely no record of a bankruptcy under my name or social security number. Please help me get this off of my record as I am unable to obtain the insurances necessary to purchase a home until this is remedied. Please advise how I should best proceed as the bureaus refuse to remove this mistake from my records despite my requests to do so. Should the bureaus not have to verify such an egregious error with the XXXX Bankruptcy Courts before they continue to disparage my reputation and credit score? 
Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, Equifax is reporting a inaccurate account from XXXX XXXX. Equifax state that I was late 2 times in the months of XX/XX/2021, XX/XX/2021, and XX/XX/2021. A consumer can not be late twice in one month let alone three months in a row. That is clearly inaccurate report. I have disputed this twices. Equifax is violate the consumer law of the FCRA 15 U.S code 1681. Delete the XXXX XXXX account immediately. I have attach my most recent consumer credit report as proof of the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened with XXXX XXXX for lease in XX/XX/2020. It was a joint account, and we requested COVID-19 relief that was granted for XXXX and XX/XX/2020. Unfortunately, XXXX XXXX took time to process the relief as they lost in the mail contract agreement and check. Finally, I solved the issue by paying the relief fee on the phone, and XXXX XXXX asked me to continue paying my monthly lease from XX/XX/2020. I paid this amount on time. However, XXXX XXXX reported that I did not pay for XXXX and XXXX, which was reported to all three credit bureau. I submitted this inaccurate reporting complaint to Experian, XXXX, and XXXX XXXX  updated the file to remove the delinquency. However, Experian failed to update and shows that I am delinquent for 30 days in XXXX. This is not true. I am filing a complaint against Experian for not updating the results.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have discovered several fraudulent accounts on my credit report, which are not mine and are preventing me from securing credit. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I urgently request their immediate removal. Please expedite the investigation and correct my credit file. Thank you for your prompt attention to this serious matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX Tel : XXXX Alleged Balance Owed : {$1300.00} Original Creditor : XXXX