23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

US Bank Home Mortgage, paid XXXX XXXX Homeowners insurance twice in year XXXX. Once in XX/XX/XXXX and again in XX/XX/XXXX. The XX/XX/XXXX payment was for the upcoming XXXX homeowners insurance coverage due XX/XX/XXXX. By making these XXXX insurance payments in the same XXXX calendar year, this completely changed the Escrow balance. So, instead of having a {$1600.00} Escrow balance for the year XXXX it is now down to a {$200.00} balance. This creates a domino effect by creating an Escrow shortage for XXXX and an increased monthly mortgage payment, along with US Bank Mortgage requesting additional funds for the XXXX Escrow shortage. This complaint fell on deaf ears with the US Bank Mortgage Dept. and the US Bank Escrow Dept. I feel this is a mistake made by US Bank and I should not be forced to come up with more funds to correct their mistake. If this is not corrected this time it will happen again for XXXX. Thank you for any assistance you could provide. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Subject : Urgent Dispute of Persisting Inaccuracies on My Credit Report - FCRA Request Dear Sir/Madam, I hope this letter finds you well. I am writing to you for the third time with an increasingly heavy heart regarding the unresolved discrepancies in my credit report. Despite my previous attempts to rectify these issues, the inaccuracies persist, causing undue distress and impacting my financial well-being. 

Address Discrepancy : Address : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Explanation : This address, which I have never inhabited, continues to XXXX my credit report, despite my repeated requests for its removal. The Fair Credit Reporting Act ( FCRA ) safeguards my right to an accurate credit history, and I implore you to please eliminate this erroneous entry from my XXXX report. 

Incorrect Employer : Current Employer : XXXX XXXX XXXX Incorrectly Reported : XXXX XXXX, XXXX XXXX  XXXX Explanation : My employment at XXXX XXXX XXXX remains erroneously reported as XXXX XXXX, XXXX XXXX XXXX. This misrepresentation adversely affects my credibility. I beseech you to rectify this discrepancy in compliance with FCRA guidelines across all credit bureaus. 

Late Payment Inaccuracy ( TransUnion ) : Account : XXXX  Account number XXXX Discrepancy : Discrepancy in dates of late payments and account activity among credit bureaus. 
Explanation : The inconsistency in reporting my XXXX XXXX  account undermines the accuracy of my payment history. Despite my assurances of timely payments, these errors persist. Please rectify these discrepancies promptly to ensure the fidelity of my credit report in accordance with FCRA regulations. 

Unauthorized Inquiries : XXXX - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX  - XX/XX/2023 XXXX XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX  - XX/XX/2023 XXXX XXXX  - XX/XX/2023 Explanation : The multiple unauthorized inquiries continue to cast doubts on the integrity of my credit report. I have no recollection of authorizing these inquiries and suspect potential fraudulent activity. It is my right under the FCRA to dispute and request their immediate removal to safeguard the accuracy of my credit profile. 

I earnestly plead with you to investigate these persistent discrepancies diligently and rectify them without further delay. Enclosed once again are documents substantiating my claims, affirming my correct address and employment details. 

Your immediate attention to this matter, acknowledging my rights under the FCRA, would alleviate my deep concerns. I implore you to expedite the resolution of these disputes and provide written confirmation upon their rectification. 

I am truly grateful for your assistance and eagerly anticipate your swift response. 

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

I started the loan in XX/XX/2021 Ive made payments then fell behind. XXXX sent a right to cure letter I then paid what was past due to keep my account active. They have been reporting my account and late then when I disputed it with Experian they changed the lates to charged off. When they charge off months was paid. I asked them numerous times is my account charged off they stated no in their chat on the app. Ive been fixing my credit to notice they still have it as charged off and Im still making payments to the account. The account states Im on track and nothing is past due and account active. I had to make multiple payments instead of one lump sum payments which my bank locked my card for fraud.
Product: Mortgage

1. I am a condominium owner. My mortgage is with Bank of America The mortgagee requested flood insurance information which was provided. In spite of my coverage limit being in excess of the 100 % replacement value, BOA forced placed additional flood insurance
Product: Money transfer, virtual currency, or money service

I purchased an item from a person on XXXX XXXX, via XXXX chat. I sent a payment of {$50.00} to the seller on Venmo in advance of them delivering the item. The person blocked me on XXXX XXXX and XXXX and stopped responding to my messages. I made this payment on XX/XX/year> at XXXX XXXX  XXXX. I reached out to Venmo at XXXX XXXX  XXXX on the same day to report that I had been defrauded while making an electronic payment and requested that they undo the transaction. My dispute case id is XXXX. Venmo responded to me on XX/XX/XXXX, XXXX XXXX  XXXX. They said that they were unable to offer me any assistance. They said : " Unfortunately, based on the information you've provided, it sounds like the person you were transacting with did not fulfill their end of the transaction. For resolution, we XXXX  recommend that you reach out to the recipient of the payment, as we are not able to provide reimbursement or mediation in this instance. '' This entire transaction occurred electronically.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX  XXXX XXXX XXXX : {$790.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX 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

Iam writing to dispute an inaccurate and unverified charge-off on my credit report. The following account is showing as a charge-off on my credit reports with the credit bureau : Duvera billing service, closed on XX/XX/2021 XXXX, XXXX, XXXX This debt is inaccurately reported as a charge-off. I am disputing this under the Fair Credit Reporting Act, 15 U.S.C. 1681a ( f ) which states that a consumer has the right to dispute incomplete or inaccurate information.
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes with XXXX, Equifax, and XXXX regarding incorrect information on my credit report. Despite these efforts, the errors remain unresolved, and no sufficient action has been taken by the credit bureaus.

Dispute Reasons & Violations : Failure to Verify Information ( 15 USC 1681i ( a ) ( 1 ) ) : The credit bureaus have not adequately verified the disputed information within the required XXXX period, leaving inaccurate data on my credit report. 
Failure to Ensure Maximum Accuracy ( 15 USC 1681e ( b ) ) : The information being reported is not the most accurate, and the bureaus have failed to take necessary steps to ensure correctness.

Failure to Remove Outdated Information ( 15 USC 1681c ( a ) ( 5 ) ) : The credit bureaus have failed to remove outdated information from my report, which should have been excluded after the statutory period.
Product: Student loan

My issue is with you as a Protection agency who is suppose to protect people from bad business practices and 11 years later, it seems that you are probably no more than an F with the BBB. Come on, the student loan SCAM has been going on for years and it still persists and the big question is why. The answer ... $ $ $ $ . There is no other way to look at this. People are sited all over the web on different sites explaining their personal stories and how theyve been misled and stalled when trying to address their problems and the shame is that they have to lean on you ... a created government body to help. Imagine that. Another government body that we have to use to get this done. When I used you for another company issue, you sent my complaint to the company and took their response, closed the case and that was your job completed. What a shame. Do something about the student loan scam since that was why you were created in the first place ... to go after businesses that XXXX people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recieved my credit report and I noticed unauthorized inquiries they shouldn't be on my credit report. I never tried to open up any accounts with these companies.
Product: Checking or savings account

I filed a dispute with Key Bank for a XXXX transaction regarding XXXX for {$690.00}, on XX/XX/year>, the bank then advised that no error has occurred and didn't process a refund on the dispute. 

On XX/XX/year>, I purchase four aisle but when I received the tickets the seats were different. I tried to contact the seller-the contact feature was blocked didn't work. I listed the ticket for sale but XXXX XXXX, limited the price to {$140.00} per tickets. XXXX XXXX was sellling tickets for {$80.00} per ticket. I try to transfer the tickets to someone else but the transfer feature was blocked. XXXX XXXX blocked the resellling of the tickets by limiting the price and also block transferring the tickets to another person so the tickets were unable to be used. 

I filed a complaint with the XXXX  also, # XXXX I had to repurchase tickets that I used to see the concert. So there was two transactions. I'm requesting a refund for the tickets that I wasn't able to use or transfer for {$690.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score on XXXX XXXX and more specifically experian is pulling from the wrong SSN. Experian has the last 4 of my SSN as XXXX not what it actually is XXXX. All of my credit reports are being filed under the wrong SSN. I have tried shooting with XXXX XXXX, experian, and even XXXX XXXX  but they all have provided no help. I have been denied car loans, housing applications and now financial aid for schooling. All because it's not pulling the accurate score. Everything is being filed under the wrong SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my XXXX account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. The account XXXX XXXX ( Date Opened : XX/XX/XXXX ; Balance : {$3300.00} ) must be reviewed by you. You are reporting me as late for XX/XX/XXXX. I made my payment on time for this month, see attached account statement from XXXX XXXX for XXXX as proof of my payment. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. In the month of XX/XX/XXXX the payment made on XX/XX/XXXX I thought would be applied to my XX/XX/XXXX payment due on XX/XX/XXXX I was advise this payment was not applied to my XXXX payment after further investigation and speaking to multiple representative, also the payment made for XX/XX/XXXX I thought would be applied to XXXX XXXX since payment was also made in advance. This issue only current happening because of the makeup of making payments early. Once issue was explain and advise to me to avoid any further late payments make sure that bill are paid on time on the exact date due to avoid confusion. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX. Thank you for your consideration, and I hope youll approve my request. Please remove this late payment from credit report due to issue was not explain correctly by multiple agents I also should not be penalized due to payments were made in advice and was not aware not going towards correct bill date. 



Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called all 3 bureaus in XXXX and XXXX informing them that are reporting things on my report that are directly effecting my life in a negative way. I informed them that they have unmailable addresses, incorrect names and multiple accounts I gave them no permission to put on my report ( 15 U.S. Code 1681b ). Multiple violations on the report.15 U.S. Code 1681c - Requirements relating to information contained in consumer report. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid. 5 U.S. Code 552a ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 
Again they need prior written instruction of the individual to whom it relates.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX  XXXXthe financial institution and the Consumer reporting agencies XXXX XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX or XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

Synchrony Bank, which administers the QVC " Q '' Credit Card, payment website is set up to be deliberately misleading to consumers paying a bill. When you get to the payment page the first question is how much do you want to pay ( statement balance, current balance, minimum payment, or other ). I selected current balance. Below that, it asks for the payment posting date. When you select a date, the payment amount automatically reverts to the minimum payment -- despite selecting to pay the statement in full. This is clearly a trick to get people to incur finance charges, which is what happened to me last month and I just saw it happen again today. I had to go back and edit the payment to select the full balance. Unless you check the payment afterwards you would n't know. It is a deceptive practice and cost me a finance charge. This is clearly unfair and deceptive.
Product: Checking or savings account

Victim has never been an account holder with BECU, but her mother, Suspect has an account with BECU. Victim was not listed as a joint account holder with Suspect for that account nor has she had access to that account. 

In XX/XX/2023, XXXX stated in her deposition that she forged Victim 's name to receive payments into her sole BECU account from XXXX XXXX for a joint tenancy in mineral interests. 

In XX/XX/2023, BECU  produced copies of checks in response to a subpoena from Victims attorney. 

Based on the documents produced by BECU to date, BECU allowed Suspect to deposit approximately {$120000.00} with only the endorsement of Suspect, when checks were made out to " 'Suspect ' and XXXX ' XXXX. '' BECU allowed Suspect to deposit XXXX checks totaling {$32000.00} with the forged signature of Victim, including XXXX check that was originally voided by BECU for missing Victim 's endorsement. 

Suspect used a BECU ATM in XXXX, WA and a XXXX XXXX XXXX ATM in XXXX XXXX, WA to deposit these checks. 

Despite multiple requests, BECU has still not provided Victim with copies of XXXX checks totaling {$20000.00}. 

There were also XXXX XXXX payments made totaling {$80000.00} that BECU has not provided the direct deposit authorization form/process for. 

Victim should have received 50 % of the payments for the amount in dispute totaling {$120000.00}. 

For 2 months, Victim and her attorney have been attempting to contact BECU to resolve these issues with the unauthorized payments in the form of single endorsed checks, XXXX payments, and payments accepted with Victim 's forged signature. Victim sent an Affidavit of XXXX to BECU on XX/XX/2023. However, BECU claims the originator of the payments is at fault and has been unwilling to resolve or respond further to Victim 's requests.
Product: Mortgage

We lost our jobs due to plant closing and XXXX.Less money coming in with more medical bills.We could not pay the bills.
we tried motification of house loan and was turned down twice.they said they either did n't get the papers or they were timely or incomplete. the day the forclosure notice was delivered we were on the phone with our case worker.He said he had no record of a forclosure. Sent same papers to the bank and the caseworker. with no help. after they put us in forclosure they called to see if we still wqanted to save the house. Soi they sent us another packet. This has been going on fo9r 10 months or morewithout them giving us any help.If they would have helped with the modification we would n't be having this problem [ interest on loan is 8.2 % ]
Product: Debt collection

Though I was not aware I owed {$35.00} for an x-ray my child had ( never got invoice from facility and usually you are required to pay in full, which I did for another visit but perhaps not the one in question ) I will pay this amount to be done with it as I would assume its legit. However, the CFPB should investigate and take actions against XXXX XXXX XXXX for failing to do the basics of legal collection efforts. In the messages I get, the agent fails to inform that they are attempting to collect a debit. XXXX, the message is : " This is XXXX with XXXX. Please contact me at XXXX extension XXXX. Thank you. '' Outside of her organization no one would know " XXXX '' or what they do or what this was about. Caller ID shows " XXXX XXXX ''. As I understand consumer protection laws, they are required to state their name, their full company name ( and address ), as well as the call is an attempt to collect a debit ''. Instead, I'm expected to call blindly to deal with a hostile collector and have no idea who or why I would call.