23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We closed on our home on XX/XX/XXXX. This mortgage has been paid in full. Freedom Mortgage remitted our escrow refund for accrued taxes in a fairly timely manner. Because our homeowners insurance was escrowed as well, XXXX ( our homeowners insurance policy holder ) refunded the overpayment of our policy back to Freedom Mortgage in the amount of {$870.00}. This was received by Freedom Mortgage on XX/XX/XXXX. They admit they need to issue a second escrow refund but they can not seem to figure out how to do it in the system and get the overpayment remitted back to us. I have called multiple times, they have put notes in the system, I have asked to speak to a manager, which they deny. They said a manager will return my call, which they do not and it has been six weeks and they still have possession of my funds.
Product: Debt collection

I 've been contacted by Midland funding collection agency on behalf of XXXX in amount of {$1700.00}. This debt is from 2011. I remarried cancelled contract with XXXX to transfer over to husbands phone carrier. Midland funding nor corporate XXXX will provide contract and itemized bill. Will only provide a brief summary of what is supposedly owed. I have contacted an attorney and have them on retainer. I 've been going back and forth with the collection agency and they stated they do not have these documents from the creditor. It 's my legal right to see the contract and itemized bill not a summary of which looks like my XXXX old could have drafted. Please help as I want this removed from my credit report all XXXX bureaus!
Product: Credit card

Fifth Third issued me a credit card account, unbeknownst to me until I saw my credit report today. The credit card account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. This has resulted in damaging information on my credit reports. I called Fifth Third today to report this matter, and ask that the derogatory information be removed from my account and the Credit Reporting Agencies, but the response I got from XXXX different departments at Fifth Third was lackadaisical at best. I was told that I must have signed papers acknowledging the acceptance of the credit card account, which if true, was completely unknown to me at the time. At the time, all I had realized I was applying for was a credit score monitoring / improvement " program ''. Ironically, the report made to the XXXX Credit Reporting Agencies for accrued fees and interest for this unbeknownst credit card account is the single most damaging blot on my credit report! NOT a fan of Fifth Third and their business tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to American First Finance due to inaccuracies on my credit report. I gave American First Finance more than 2 months to respond back before I sent off a second letter on XX/XX/XXXX. Today is XX/XX/XXXX and I still have yet to receive a response back to the dispute that was originally placed on XXXX XXXX. According to the FCRA, they have 30 days to respond back and it's been over 5 months. American First Finance has been in direct violation with the FCRA for 4 months now!
Product: Debt collection

Midland Financial shows on my credit report that I owe XXXX {$1300.00} as of XXXX/XXXX/12. Per the Federal Trade Commission Fair Debt Collection Practices Act Section 809 Validation of Debts that the Consumer should be notified within 30 days of any debt. I am unaware of this debt.
Product: Debt collection

Hello, I have disputed this collections account through the 3 credit bureaus and have requested a sign copy of the original contract to verify this debt in the amount of {$1100.00}. It has come back as verified several times with no physical evidence as requested.
Product: Mortgage

We had a loan with us bank on an apartment building in XXXX XXXX. 
There was only one of the partner on the loan at the time of purchase. 
We notified us bank that we would like to add the 2 more partner on the loan so instead of having one person they will have 3 partners on the loan docs. 
US Bank ask from all 3 partners lots of documents which we provided. 
the one partner whom his name was on the original loan, provided his tax returns and profit and lost as he was asked. He didn't send docs related to his business as he said I am already on the loan. How ever I discussed with us bank Representative who was handling the process XXXX XXXX XXXX who assured me that he has all the info needed .i would like to note that this loan was never even 1 day late. 
and the home has a huge equity. 2 weeks later we get a letter of default from us bank. 
Saying they are defaulting the loan and we need to pay it of with another bank. 
they increased the interest rate and will not give us a chance to provide the document needed .pay or we will foreclose the property. we had no choice but to get hard money loan with hi interest and points in order to pay off the building .I feel that they are treating us wrong and cause us to loose a lot of money with out the right reason .I would like to be compensated by the us bank
Product: Debt collection

Again today I received a call concerning a debt owed by an individiual not known to me. I have already contacted this company to report this but they continue to call.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX number : XXXX XXXX number : XXXXXXXX XXXX XXXX number : XXXXXXXX XXXX XXXX number : XXXX XXXXXXXX XXXX  number : XXXX
Product: Credit reporting or other personal consumer reports

Transunion has not closed and changed my XXXX or XXXX XXXX XXXX Loan as paid. XXXX reopened it accidentally and it was already removed from my XXXX report. Please have them remove it from Transunion now. They have not responded to Transunion in the past week. The loan was already paid and closed through the XXXX program in 2022.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments posting to my report that was in fact paid on time. The Consumer reporting agencies shall report all information with complete accuracy. 

Pursuant to 15 U.S. Code 1681e Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

In fact according to the consumer these accounts have not been reported late on payments. I have attached a copy of my report to this complaint on the following dates. 

Transunion : XXXX XXXX XXXX XXXXXXXX Acct : XXXX Reported Late : XX/XX/XXXX 30 days late Status : Paid/Closed 60 days late XXXX : XXXX XXXX XXXX XXXX XXXX Reported Late : XX/XX/XXXX, 30 days late Status : Paid/Closed XXXX : XXXX XXXX Acct. XXXX Reported Late : XX/XX/XXXX 60 days late Status : Paid/Closed
Product: Credit card or prepaid card

Please help me uncover what may be happening at American Express. I was just issued a replacement credit card ( previous card canceled ) with absolutely no notification, information or authorization. 
According to American Express, my personal information was " intercepted '' ( no  fraudulent charges made ) by a 3rd party so they issued me a new card. The problem is that they did this without telling me and are now refusing to tell me anything about what happened or who " intercepted '' my information. 
They are telling me that they can not disclose anything to me because it is an ongoing investigation. EVEN THOUGH IT IS MY INFORMATION THAT HAS BEEN COMPROMISED. 
It sounds like they are covering up something and I am hoping you can help me find out what is happening. Thank you for any assistance!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. Additionally, some of these accounts are more than 10 years old and has to be removed per the FCRA laws.
Product: Mortgage

I applied for a home equity line of credit with Figure.com and this ONLY an online system and you have no contact with their representatives. 

Upon approval they send out documents for you to sign but never go into detail on how much origination is or the terms of the loan. 

They do send out a notary and notarizes the paperwork but never explains what you are signing. 

Upon funding the fee i paid for a heloq was XXXX for only XXXX, Im disappointed at the fact that i could've refinanced my home and still pay less in fees than getting this heloq. 

I urge this company to do better in explaining the terms and conditions to their clients before getting into any type of transaction with them.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to express my deep frustration and concern regarding inaccurate information on my credit report, which has caused significant hardship and emotional distress. Despite my best efforts to address these errors with the credit bureaus and the creditor ( s ) involved, the situation remains unresolved, leaving me in a difficult financial position. 
I recently reviewed my credit report and discovered that theres at least 18 INACCURATE These errors are both unjust and harmful. I immediately contacted the credit bureaus to dispute the inaccuracies and provided supporting documentation, but the errors persist. 
These inaccuracies have caused the following harm : Financial Setbacks : My credit score has been unfairly impacted, causing denials of credit applications and increased financial strain.

Emotional Distress : The inability to resolve this matter has been overwhelming and has undermined my confidence in the credit reporting process. 
Higher Costs : I have faced higher interest rates and unfavorable terms on financial products as a result of the errors. 

The FOLLOWING reporting derogatory allegations of are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or NOTCOMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated IMMEDIATELY.

My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to accurate, complete, and verifiable information on my credit report. The ongoing presence of these inaccuracies demonstrates a failure by both the credit bureaus and the creditor ( s ) to comply with these legal requirements. 

Actions Taken : MUTIPLE DISPUTES WITH CRAs, Requested the creditors to investigate & provide VALIDATION OF DEBT. I haven't received any validation of these negative remarks that's on my credit report. 

PLEASE CHECK ALL THE ATTACHMENTS BELOW
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Transunion I disputed Three items on my credit report. Yet they have not responded with the results. Transunion will state the information was validated yet not provide proof. Futhermore I have contacted the collectors reporting the info and did not get validation per FCRA. The most recent letter I mailed to Transunion was XX/XX/2018 yet I have not recieved a response. I also included a letter for one collector stating they no longer have the debt yet the still report to Transunion. I have yet since XX/XX/2018 to recieve a response from Transunion with my follow up letters and info on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates and years when the account was closed are incorrect. 

I voluntarily surrender the car due to XXXX and not working. XX/XX/XXXX Originally The creditor listed 30 days late in the year XXXX as a loss charge off. When I filed a dispute the credit went in and changed the date and listed the closed account as of XX/XX/XXXX and filed a charge-off. This car was surrendered on XX/XX/XXXX.
Product: Mortgage

To : Nation Star Mortgage Company Attn : Customer Relations XXXX XXXX XXXX XXXX, TX XXXX DA : XXXX XXXX, XXXX RE XXXX  Request a Copy of My Full Mortgage Payment Account History/File from ( XXXX XXXX to XXXX, XXXX ) This letter comes to request a copy of my entire mortgage account payment history/file from the inception of my mortgage loan which was XXXX XXXX to XXXX, XXXX ( the present. ) As my present mortgage holder, I was informed that my present mortgage holder should have my entire mortgage history. You obtained or my loan was transferred to you from XXXX XXXXXXXX XXXX. All documents were transferred when you became the new mortgage holder of my loan. I must reiterate, that you ( NationStar ) sent a document entitled Full Account Payment History which included only my mortgage payment history from XXXX to XXXX. I must state that 2 or 3 years is not my entire mortgage history or file. Once again, Im kindly requesting my entire mortgage history/file, which should included signed documents and an explanation of how one obtained my present balance. Nevertheless, if you cant provide the  requested information or documentation, it leads me to believe that my present balance could have been fictitiously created? I must inform you that I have never heard of anyone taking 60 years to paying a 30 year mortgage. This is simply ludicrous and unacceptable in my opinion. I must inform you that my mortgage loan did not start in the year of XXXX. However, it did start in XXXX XXXX, which includes a total of 27 years + 3 additional years of mortgage payment history. According to the last documents I received, one would believe that my mortgage loan was ignited in XXXX, which is definitely not true! My Resolution, Concerns and Request Are As Follow : *Please provide a copy and proof for the follow request below* My present mortgage balance is more than I paid for my house back in XXXX, after paying 27 years of payments. You have not sent me a copy of my entire mortgage history file, as I have requested on 2 different occasions. ( see attachments dated : XXXX XXXX, XXXX, XXXX XXXX, XXXX My mortgage loan was for 30 years and not 60years. According to my present balance, ( {$65000.00} as of XXXX ) it would take 30 more years to pay-off my loan, according to the present balance! I paid an additional 3 years in advance and above my premium monthly payment to pay my mortgage off I advance/prior to 30 years. My files may possibly have been mixed in or construed with someone else mortgage files or payment history etc. Please provide a written explanation of how my present mortgage balance is higher than what I purchase my house for in XXXX. I financed {$61000.00} in XXXX, Approximately 27 years later, I presently owe {$63000.00} +. Please explain and provide a written document within 15 days.. How much interest was paid toward my mortgage loan from ( XXXX XXXX, XXXX ). According to my records Ive paid a total of {$32000.00} in mortgage payments thus far.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I applied for a Federal job. During XXXX back ground check they came across some medical debt. XXXX gave me originally 30 days to resolve. That was on XXXX XXXX, 2015. Today I called BERLIN-WHEELER INC-MO at XXXX on a break. They are located at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. By the way I found out today that they had changed their Company nameto WAKEFIELD ASSOCIATES. I was showing the original name for six times on my credit that XXXX is asking me explain. The was for {$490.00}. When I called I talked with XXXX, He had several of my name in his database. He even tried to check under my security # and nothing. I asked for something stated in a letter that this debt was not mine. He outright refused me and said his company did not send out any paper. He stated that he could not help me at all. That because he did not have me in his database there was nothing that he could do. Their phone number that I called was XXXX XXXX XXXX XXXX. So that is why I came to you for help. I need to get this off my record so I can get a decent paying job. Thank you.
Product: Debt collection

XXXX, XXXX XXXX XXXX, XXXX. 
Additional Locations Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX View Additional Phone Numbers XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Williams, Alexander & Associates , Inc. any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Williams , Alexander & Associates, Inc. 
any company associate with this account # XXXX the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX