23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My ex husband XXXX XXXX XXXX mortgaged his home on XXXX with Chemical Bank. On XX/XX/year> he quit claimed the property to me. He passed away on XX/XX/scrub>XXXX XXXX  I spoke with Chemical Bank at that time. I was told that as long as the payments were made, the mortgage would stay as is. On XXXXXXXX  received letter requesting proof of insurance. Had insurance FAXed to bank by agent. Another letter dated XXXX Spoke with XXXX. Another proof sent. Went to local bank several times to take copy of insurance. XXXXXXXX  another letter. Insurance agent sent another copy of insurance ( FAX ) XXXX. XXXX Hazard insurance added by bank. THis was not necessary as house was insured. 
Increased payment {$430.00} to XXXX. I spoke with several people at XXXX, MI branch. Each time I was told insurance issue was taken care of. I spoke with the attorney that had written deed transfer. She suggested that I write a letter and send copies of Insurance again plus tax receipt and deed which I did. Now a Notice of Intention to Accelerate and Foreclosure. Every time I call the Bank, I am told they can not speak to me. I am trying to get a payoff. XXXX payment returned in ex husband 's name.
Product: Debt collection

Please see Complaint ID XXXX. 

Amount owed was paid in full on XX/XX/XXXX. I submitted a CFPB complaint for other matters, which have been resolved as of XX/XX/year>2024. However, the law firm still filed a lien against my property on XXXX XXXX, 2024, after the balance was settled and after my prior CFPB complaint was resolved. 

Rickel refunded {$730.00}, which was satisfactory to me, and I considered the issue resolved. However, I just found out that they still filed the lien after my CFPB complaint.
Product: Checking or savings account

in XXXX XXXX XXXX I filed a claimed with Chime ( CLAIM ID # XXXX ) because a purchase of {$3400.00} was made with Debit Card that I didn't make or authorized. Not only was I not giving a procredit of my funds during the investigation, but my claimed denied, account closed without any explanation, also the {$2200.00} that i had in my savings accounts were taking as well and never giving to me. I were also told by one of the there customer service agent that my account wouldn't be closed and that it was a mistake but then given different answers and told by other agents it would be closed so I was never sure about what to ever believe. So as i awaited a answer, my account was closed and all my money kept and was unable to pay any of my bills and had no bank account to deposit my employment checks into. Also my Credit Report was negatively effected due to the fact I had a Chime Credit Builder Account and that was closed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Past Due {$160.00} Ive contacted the company about reporting these late payments. This is fraudulent and ILLEGAL. 

XXXX ; Past Due Collections account, I have reported this inaccuarte account. This is ILLEGAL to report per US Codes listed below XXXX ; Past Due {$730.00} Collections account. I hace reported this FRAUDULENT account. This is ILLEGAL to report per US Codes listed below, XXXX ; Past Due {$2900.00} Collections account. I have reported this account and it is FRAUDLENT and being reported ILLEGALLY per US CODES listed below XXXX XXXX ; Past Due {$250.00} Collections account. I have contacted them and this account is fraudulent and being reported illegally per US Code listed below XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Past Due {$1400.00} Collections account. This is a fraudulent account XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) Fraudulent
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a inorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Nationstar Mortgage refuses to send me a monthly billing statement or any other notification my payment is due. How can I make my mortgage payment if the mortgage servicing company refuses to provide a service.
Product: Credit card or prepaid card

Discover card sent a demand letter for me to use my credit card or they would close my account. I had no need to use this card before the time period demanded by Discover, so they forcibly closed my account while submitting this disparaging process to the credit reporting bureaus XXXX, XXXX, and XXXX where they reacted by penalizing me by deducting XXXX points from my credit score. When I called them to dispute this process they simply sent me a form letter supporting their purposeful retaliatory process. I believe they know they have the potential to destroy an individual 's credit history and they use this as a negotiable factor to demand use of their credit card which should be considered a criminal act. The attached file shows my credit score before Discover disparaged my score by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX I've sent a letter about those accounts were used without my permission. but It's almost 2 months now don't have any response yet. I was so stressed, I got a low credit score. I need Help to resolve this issue. I already contacted credit bureaus and furnishers.
Product: Credit reporting, credit repair services, or other personal consumer reports

New to using cedit, went to buy a car multiple places and they ran my credit at so many different places that i did not authorize trying to get me financed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My husband and I are trying to refinance our mortgage with XXXX XXXX XXXX XXXX. Beneficial who now holds the mortgage is refusing to send XXXX XXXX a 12 month payment history even though I 've never missed a payment. I think they are doing this on purpose so they can keep collecting the 8.2 % interest I am currently paying them. For 6 weeks they kept telling us they were doing it, then they said because we filed bankruptcy ( of which they were not a part of ) 5 years ago that they ca n't send the request of 12 month payment history to XXXX. This is not the first time I have had problems with Beneficial. I tried to file a complaint with the XXXX last year or year before last because they were not taking the tax payments I was making to them and applying it towards the taxes. That was never resolved.
Product: Debt collection

This debt buyer is reporting inaccurate information on my report. They have never sent me a notice of the account information, nor have they validated/verified the debt before placing it on my credit report. This account was paid directly to the creditor. I 've asked XXXX to remove it & they claim I need to contact the debt buyer directly. I 've called them on the phone to remove & they said I owe it & I have to pay, but yet they 've never sent me anything ... .this is strict violation of the FDCPA & FCRA. I 'd like it removed immediately.
Product: Credit reporting or other personal consumer reports

My credit card bill with XXXX XXXX XXXX is showing beyond 30 days late. I am never late with my payment. All my payment history has been XXXX XXXX for the past XXXX years.
Product: Debt collection

XXXX XXXX | XXXX  XXXX  XXXX  and XXXX  - XXXX  Purchase a old debt that belongs to my father. I believe this was some kind of business loan from 2005. XXXX XXXX | XXXX XXXX XXXX and XXXX - XXXX Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, OH XXXX I can't find any information on XXXX XXXX | XXXX XXXX XXXX and XXXX - XXXX I was never provided a account number I was never notified of any debt in my name. 

Threatened with fraud Threatened with lawsuit if I did not pay for debt that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act AD XXXX XXXX XXXX  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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX & 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

To Whom It May Concern : XXXX XXXX  XXXX was called to bring my daughter XXXX XXXX to the hospital for a XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX : 1. Invoiced me directly {$2500.00} in addition to the insurance in XXXX, which had PAID XXXX XXXX per XXXX below dates and payment IDs. 
2. Recklessly and criminally, passed {$510.00} to collections to Nationwide Recovery Systems who consequently have been reporting this erroneous bill on my credit negatively since XXXX! 

XXXX paid XXXX XXXX the ENTIRE invoice of {$2500.00}. 

XXXX CONFIRMED ELECTRONIC PAYMENT PER BELOW : XX/XX/XXXX - {$460.00} payment ID XXXX XX/XX/XXXX - {$2100.00} payment ID XXXX They illegally passed a paid debt to collections and now this continues to be on my report damaging my credit when i am trying to refinance due to financial problems with COVID
Product: Credit card or prepaid card

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I purchased bathroom ceiling fans and pendant lights from XXXX online store as they were running 20 % designer sales along with Free gift with qualifying {$500.00} purchase promotion. 

I completed the three orders ( XXXX, XXXX, and XXXX ) and received email confirmation with the order totals clearly indicating the discounted price and free gifts, but the merchant charged the full amount including the free gift item retail price. I've contacted XXXX for the billing errors, but they were not responsive. 

On XX/XX/XXXX, I opened the dispute cases on the 5 charges ( XXXX merchant individually charged when they shipped the items ) for the price differences as they should've not charged the full amount for the 20 % discount and free gifts. 

On XX/XX/XXXX, I received a letter from Chase indicating that merchant 's original charges were valid and closing the case because they thought the charges were valid. Please see the enclosed the letter from Chase. 

On XX/XX/XXXX, I responded with the original order confirmation emails from the Merchant clearly indicating the 20 % discounted prices along with free gifts and listed detail explanation to show there were clear billing errors. Please see the enclosed letter I submitted to Chase. 

Today XX/XX/XXXX, I received a notification from Chase that they closed my disputes because the original charges were valid and there were no billing errors. Please see the enclosed letter from Chase dated XX/XX/XXXX.
Product: Checking or savings account

According to the email messages received, since I no longer have access to this account, I have opened a XXXX XXXX personnal checking account with Huntington bank on XX/XX/XXXXXXXX XXXX XXXX XXXX. Their website advertizes a {$600.00} promotion after {$25000.00} deposits within 90 days. This checking account was opened in branch with a banking associate that failed to assist with the promotional opportunity even upon trying to sell other banking services. 
After completing the required deposits for the {$600.00} promotion have never received it. I have opened an inquiry with the bank regarding this case and was told it will take weeks. However I have never heard from Huntington again.

I have called their costumer support line again and asked them to change the checking account to their no monthly fee type and also inquired again regarding the missing promotion. 
I have called them one last time today and was told the promotion was not honored since the bank failed to process a " bonus code ''. And now this account is already closed and it is no way to process anything. 
Highly disappointing there is yet another banking institution that fails to honor their advertized terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found a problem on my existing credit report dated XX/XX/2022. Conf. XXXX, mailed to me. 

Under soft inquiries on page 8 of 14, I found derogatory information inserted between street address and city of an soft inquiry. The derogatory information reads " LOSS MITIGATION '' between XXXX  XXXX XXXX LOSS MITIGRATION XXXX XXXX TX. 
and dated XX/XX/2022. 

NOT a proper entry. There is no bad information anywhere else on the whole report. 
Called the Credit Union, and they deny any such entry of 'LOSS MITIGATION '' put in between street address and city names. 

Asked Equifax to investigate - confirmation number XXXX. - I can't find this number ever being filed 24 hours later.

During the process, I asked the agents name- he refused to give it to me. I asked for his supervisor and he put me on hold for over 45 minutes and then hung up on me.

During this process, I asked for a corrected Credit Report- he said it was impossible to mail it to me at my current address, even though the original credit report was mailed to me at my correct address.

My ideas and assessment of the problem : 1. A mixing of two credit files which inserted bad data on page 8 under Company Information. The credit union denies this derogatory information.

2. Equifax states this is an improper method of reporting.

3. Equifax failed to identify the agent name and ID number or allow me to speak to his supervisor.

4. Exquifax said they can NOT mail a corrected credit file to my address under original credit file number XXXX at the same address. 
5. I am looking for employment and this derogatory information may hurt my chances.
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. 
XXXX XXXX XXXX XXXX, XXXX XXXX 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am receiving a mail from a company called National Credit Adjusters about a debt that is unfamiliar, however they are violating FCRA, These malpractices need to stop as soon as possible. 
Thank you.
Product: Debt collection

Missing FDIC personal checking account funds from XXXX XXXX ( from multiple bank of america accounts since XXXX ) and mine ( from separate bank of america account ) that are FDIC insured to pay the failed bank countrywidde, bankof america and XXXX for the real estate contract that pays off the mortgage on our personal residence of 14 years at XXXX XXXX XXXX XXXX XXXX NM XXXX Those funds are misplaced, embezzled or misapplied to someone else 's account or incorrectly. 

The loan was not an interest only we were told neither a reverse mortgage or had any other loan than the original countrywide loan. we were told is the same loan that got transferred to bank of america and sold or pennies to the dollar to nationstar, as servicers. 
We paid ( see attachments ) but those FDIC insured checking account funds from our personal checking accounts at bank of america are missing between the fiduciary and bank of america and nationstar. 

We request to collect on them under the FDIC insurance because the payents were for house payments and not to be stolen. There is a papertrail i am sure you can investigate. 

Where it is or can you please see the FDIC claim we did on the money, that was in bank of america for bank of america mortgage through the fiduciary XXXX trust. 
We bought a home in XXXX XXXX for the amount listed in the HUD and the XXXX XXXX XXXX XXXX purchase contract. where XXXX XXXX used their vendor XXXX XXXX to collect on a seller financing wrap dollar per dollar contract per mls financing advertising of the XXXX XXXX XXXX XXXX XXXX The mls listing was cancelled because we were told " the buyers did not qualify '' and later on, the appraisal came after closing about XXXX less than the sales price/mortgage value wrapped of XXXX We already bought so it was a done deal. The roof or part of it fell and leaked we did not get the invoice of the " wholesale roofing ' company and did not exist. The pool had problems with water connection and we looked and no survey was done. 
We started paying and the payment went up and one month in XXXX went up by XXXX XXXX We never got a note or amortization table and the hud statement did not show but the sales price that we were told was the mortgage balance. 
We made the monthly payments and we were told in XXXX that if we want to keep the house we need to deposit extra cash. We did we want to keep our home. The payments are attached here. In XXXX my mother got interest and title from the XXXX 's and myself. WE found out that the property was in foreclosure in XXXX by chance as I was looking for a case in relation to my XXXX son ( guardianship ). We were never served with the original note and to this date we do not have a copy or full history how the loan numbers kept on changing and there were always behind. I put downpayment too and two extra payments as you can see from the hud statement We never got XXXX those were going to the escrow company and those funds got lost too.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQURIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company Enhanced Recovery Company has fraudulently and illegally placed their information against my social security number and it's causing great harm to my report. This account is not mine as I have not signed a contract with them or any company they affiliate with. This account is fraudulent and was made without my consent. They have no validation of the debt belonging to me. This is the only thing on my credit profile that's holding me up and it's not my responsibility. Enhanced Recovery Company is a scam and does not care about consumer rights. I am not obligated to pay this account as it's not mine. I will take legal action if this account does not stop reporting against my social security and is removed immediately from my credit report.