23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have an 800 - 804 Credit Score and in the process of refinancing my home starting XX/XX/2020. In XX/XX/2020 my license which was set to expire in XX/XX/2020 was extended an additional 60 days per the State. Each State across the board extended licenses expiring XXXX and XXXX because of the Nationwide Shutdown of all government offices. I explained this to the finance company of Flagstar, sent them the Government link showing .gov in the website and still they refused. Their own state had 90 day extensions etc because of the same situation. 

When government office opened back up on XX/XX/2020 the first available appointment was for XXXX XXXX traveling to a different city in the same County. Flagstar bank has sat on my refinance for what will soon be going on 4 months. They gave me each run around possible as to why my refinance was taking XXXX-4 months to close blaming the title company etc but will not disclose the name of the Title Company. I provided all documents early XXXX in a single business day, pay stubs, employer information W2 's in early XXXX. 

I pleaded with Flagstar in XXXX to please complete my refinance by XX/XX/2020 as this is when my license will expire and yet they did nothing. Flagstar holds my loan currently and I thought would be easier to refinance with the same company. I have never heard of a refinance taking 4 months when there is no issue outside of them not wanting to accept my license then agreeing to take It and what seems to me them intentionally waiting for it to expire to then allow that to be the issue. I will have made 4 payments at a higher rate with PMI by now all because no one is held accountable and does not impact them directly yet impacts the consumer on the other end. 

During the course of the refinance I would ask if rates have changed and they refused to run rates until the process was near completion. Now here we are 4 payments and going on 4 months later. I have cc 'd XXXX XXXX, XXXX XXXX XXXX, my loan officer XXXX and Processor XXXX XXXX each time. 

This company is dishonest and biased on there own terms with no standing ground or explanation. I hope no one else has to go through the process I went through where things are not explained, extreme lack of communication and taking 4 months for a very easy refinance, not a complex case at all what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report has inaccurate info on it i complained a few times about this and no change capital one i have no card from them bor did i apply for one from them consumer finavial also and 2 of 4 listed from citibank shouldnt be on there
Product: Checking or savings account

I opened an account with chime XXXX in XXXX I received and activated my chime card i then transferred XXXX XXXX  in chime from my cash app but when I went to retrieve it I was told my account was closed and because it was closed they couldn't give information or refund my money I've been hung up on put on hold for hours over these XXXX years and I always ask this phone call is being monitored right? cause this was just plain out robbery now in XXXX  chime allows me to open back up the account but my XXXX dollars was stolen but the chime uses adjusted I was robbed i never received my money it's been XXXX years i would like to be added to the class action lawsuit going on
Product: Student loan

My account was over charged by {$800.00} I have included a copy of an email I sent to the company. I have pictures as proof. Besides the XXXX they also charged interest of about {$300.00} that may not have accumulated if the money was added to the correct accounts. 

Hello, I must clarify a few things, the loans are n't very clearly laid out. but here is exactly where I think the problem is. I have 4 loans :  XXXX - {$3500.00} XXXX - {$2000.00} XXXX - {$2000.00} XXXX - {$1500.00} XXXX - {$9000.00} It appears to be errors within loan XXXX. 
I paid {$1700.00} for this loan before I left school and another {$1400.00} after I left I do understand that the interest must be added and paid for but the bill was at {$2800.00} in XXXX which does n't make sense because the loan is for {$2000.00} and made in XXXX, the interest rate is at ~6.8 % I do n't understand how it can accumulate so fast. 
please take a look. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did authorize the charges that appear on my credit report. I ask that the items be deleted to correct my credit report at the earliest convenience. 

Thank you very much, XXXX XXXX B.A, B.S
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting

Dear CFPB, On XXXX, I disputed inaccurate information on my Equifax Credit Report. 
The results came back within 24 hours, so Equifax DID NOT investigate my dispute. 
This is completely unacceptable, and indicatative of Equifax failure to PROPERLY investigate inaccurate Credit Reportng. 

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

Equifax still has this account listed after this has already been removed from XXXX and XXXX. As this account was not mines and have been resolved im requesting immediate removal as it is already passed XXXX year mark and they are still reporting it
Product: Credit reporting or other personal consumer reports

Toyota Financial Reported a Late payment for my car lease to the 3 credit bureaus on XX/XX/year>, without warning me they falsely stated i was late on my payments but in the credit report from XXXX, XXXX and XXXX we all can see unmistakably that every single month all the pays were done accordingly, even there is proof from my bank and from their website itself. i sent them a letter with proof of my payments and spoke with representatives over this matter but they did not give me a clear explanation and they sent me a letter back stating they dont think there is any error, i have never had a late payment in my entire life for the past 20 years, i have had a previous lease account with toyota financial in the past and never had an issue, im disappointed that they ruined my credit score and worthiness when i had a XXXX score and dropped to XXXX, i am a hard working person with a reputable credit history, upon looking into forums about people having similar issues with them i found its a common practice by that company. 
the monthly payments are {$360.00} a month for 36 month for the term of the lease. 
I file a dispute with Toyota financial but neither that made them change their mind, i went ahead and filed a dispute with the 3 credit bureaus and the outcome was the same.

i feel defeated mentally and abused of my rights as a citizen of good moral character and Toyota Financial has lost my trust and credibility as a company doing this to Cosumers unethically. 
Looking forward to find a solution to this matter Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have disputed an account XXXX XXXX XXXX with Equifax as the account information is incorrect. I have requested multiple times for a verification and validation of the actual debt and I have received NOTHING from Either Equifax or XXXX. XXXX XXXX yet this inaccurate account is still reporting negatively on my credit report. As this has violated my federal rights, this account is to be deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my profile report, I found that there were unauthorized accounts that were unlawful. The fact that you've included the information below in my credit report and omitted to use reasonable means to ensure the highest possible accuracy in the credit reports you distribute bothers me. Credit reporting requirements ensure that only the most accurate information is made public. Each step in the progression should be followed to ensure the accuracy of the data presented. It's important to go deeper into the supporting data in this manner. Despite carefully reviewing my credit record from your service, I've been unable to locate any erroneous or invalidated accounts. As a result of the Equifax data breach, which may or may not have exposed my personal information, I am unaware of any items or erroneous information of this kind. You're not following the FRCA 's reporting requirements since you're filing your reports carelessly and erroneously. I understand that as a federally protected consumer, you are unable to hire a counsel to defend yourself against me.

Under TILA 1640, I'll sue the company for at least 1 percent of its stock value, or any other amount of damages up to and including $ XXXX, and seek a default judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

In XXXX, XXXX I had a credit card balance with Bank of America ( " BoA '' ) of {$1300.00}. I paid the balance in full with a representative over the phone. Please see attachment XXXX When I told the representative I wanted to pay the balance in full, I was not warned that I would incur interest or other charges from BoA again at a later date -- I assumed that paying the balance in full meant that the balance was being paid in full and I did not use the card again after that. Unfortunately, in XXXX, XXXX BoA charged me interest on that the prior balance -- I have since learned that it was incurred before it was paid over the phone but had not yet been charged to me at the time I paid the account in full. Because I thought I had paid the card in full in XXXX, XXXX it never occurred to me to log into my BoA credit card account and check for an existing balance on the card again. The interest charged was a very small amount of {$5.00}. Because I was not contacted again by BoA to be made aware of that interest, I was not aware of the balance and it went unpaid until XXXX, XXXX when BoA charged it off and set my account balance to {$0.00}. Please see attachment " B ''. 

Attachment B shows that since XXXX XXXX -- for almost two full years -- my account with BoA has had a balance of zero dollars. Despite this, I have recently learned that for the last ( nearly ) two years, BoA has been reporting my account as negative and " failure to pay ''. In the 21 months since BoA charged off the account, the account has continued to reflect a balance of zero every single month. For those 21 months, I never received any statements or other correspondence from BoA to alert me that the company has been damaging my credit by reporting each and every month that I have not paid on the account but that is indeed what has been happening. Please see Attachment " C ''. 

The account was closed in XXXX. The entire ( albeit, small ) balance was charged off in XXXX, XXXX. The statement from XXXX, XXXX reflects {$0.00} due. From XXXX, XXXX through today, XXXX, XXXX, BoA had been reporting the account unpaid to each credit bureau. BoA 's actions are unfair, abusive, and in conflict with the Fair Credit Reporting Act. Accordingly, I respectfully request that BoA contact each of the credit bureaus to which it has been negatively and incorrectly reporting my account as unpaid and that BoA promptly erase the negative and erroneous reports from the last 21 months. I further request that BoA send me written correspondence confirming that said actions have been taken. Thank you.
Product: Debt collection

XXXX/XXXX/17 -- Called Bank of America ( after receiving MANY calls -- -at least 3x per day and a letter in the mail ) to negotiate the debt I owed. Told the customer service agent that I only wanted to be contacted via written communication and no more calls. They wanted to negotiate MY debt based on my fiance 's income which I said no. They pushed for me to provide information on his social security number as well as income. I still said no. They sent my call to an agency that works to negotiate debts down and I had to speak to them even though I did n't want to. I declined their offer also. Since that call I have received COUNTLESS calls per day from Bank of America including voicemails. The two most recent have been XXXX XXXX at XXXX ( voicemail left ) as well as XXXX XXXX at XXXX ( voicemail left ). They also call at inconvenient hours which are disruptive to my life.
Product: Credit reporting or other personal consumer reports

I contacted Equifax dispute department on XX/XX/XXXX to ask about an account status that was reporting inaccurately, it is reporting as an open account when it should of been removed from my credit report XX/XX/XXXX. Equifax proceeded to tell me to contact the creditor of that account, which I did and they stated they do not see any account active under my name, date of birth, or social security. I called Equifax back again that same day XX/XX/XXXX and the representative told me there was nothing that could be done. I simply can not accept that, this account is becoming detrimental to my credit health and I am trying to prepare myself to purchase a home when i return home from my next military XXXX. I would like this inaccurate reporting to be fixed as soon as possible so that my life can get back on track. I have included here a copy of my credit reports from XXXX and Equifax. My XXXX  credit report is reflecting the true status of this account which is removed from my credit report as of XX/XX/XXXX. If Equifax is stating otherwise i would like to request sufficient proof of this because as I mentioned the creditor which is XXXX XXXX was not able to give me anything nor were they able to pull up any account in my name. I understand there are laws in place that ensure that bureaus only report 100 % accurate information on consumer reports I would like that to be that case with my report too. I am submitting this complaint in hopes that something can be done to correct this error because I find it to be very unfair that I have not been able to recieve any help with this issue thru other methods of communication. Please help me!
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and the letter from an advocacy group helping me due to Debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) -5 -- 1002. 142 ( b ) ( 7 ). Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX victim and would like all listed accounts to be blocked and deleted company information Transunion. Please delete the following accountsXXXX XXXX bal. {$460.00}.
Product: Credit reporting

I 'm making a complaint against Experian because they are reporting information that is inaccurate, incomplete and does not belong on my credit report. I am including in part, my dispute with them and I need to see the actual petition that they are using the verify this bankruptcy or it needs to be removed. XXXX states that they must have the petition in their possession to legally verify and that is the only form of legal verification. Anything else is hear-say. The court states that they do not verify with the credit bureaus which means that they have not verified this. I am getting XXXX responses from them : # XXXX this will stay on my credit report for XXXX years and # XXXX this will not be investigated. That is a violation of section XXXX and they violated XXXX by not sending my all docs in my files that they are using to verify. 

My dispute : XXXX BKPT CT CA XXXX AN XXXX There is no such court named : XXXX BKPT CT CA XXXX - all courts must be listed accurately and completely and the name of the bankruptcy court is not what you have listed! You MUST list this as a bankruptcy court with city and state and can not be abbreviated for convenience and space! 
Date : XX/XX/2010 - this filing date is not at all correct and I would like to see the actual petition that you clearly have in your hands as you have " verified '' this information each month Plaintiff : I can see that you have no plaintiff listed which means that I do n't owe anyone money and never did - a plaintiff must be listed on a public record Docket # : You have XXXX listed - send me the petition that shows this EXACT docket # - I know this to be untrue and inaccurate : there is no " XXXX '' listed in the docket # My requests are listed below : # 1 Produce the petition that you used to " verify '' this bankruptcy - the court has notified me that they do no such verifications with any of the credit bureaus # 2 Produce the petition that shows the exact information that you are reporting on the credit report that I am attaching to this letter - please do not send me a letter stating that public records stay on a credit file for XXXX years - this is not an acceptable response and is not legally variable without the physical petition ; bankruptcies can not be verified without this information # 3 Remove this inaccurate account from my credit report right away - the proof is in my letter
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this concern.

Back on XX/XX/2010 I found a house at XXXX XXXX XXXX XXXX XXXX  with a for rent sign in the window. I called the number XXXX and a guy answered by the name of XXXX XXXX and advised me he was with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that I could obtain the property if I could fix the home to suitable to live in and pay XXXX down and XXXX a month until I reach XXXX for the deed to be transfer in my name or I could opt to rent the home. Well it sound like a great idea at the time due to my living situation. So he forward me an application I completed it and he sent a notary to me to sign a contract then I sent him XXXX  and I paid XXXX for a few months then I went to call the number to ask some questions it was disconnected. Then I started receiving letters from different loan servicing companies. So I started to do some research online and found out it was a scam the taxes were not being paid and the contract was never filed with the state of XXXX as a land contract or anything. I started to read online reviews and it said to just follow the lender so as I am getting letters from different loan servicing companies which was about five I believe telling me to pay. I just started to pay seeing as if I just spent XXXX to fix up the home. Then the amount change when it went to XXXX XXXX XXXX XXXX aka XXXX XXXX so I stop making payments and been trying to fight my way out of the home with my good name in tack. Out of all the loan servicing companies who were collecting for whoever this lender is only one has reported to my credit bureau which is XXXX XXXX XXXX aka XXXX XXXX they had reported this is a conventional loan mortgage, and it is close due to transfer with a XXXX balance. I am in the market to try to obtain a rightful loan with a bank and I can not get any assistant from the XXXX HOUSING FINANCE AGENCY. Because its reported on my bureau I have a mortgage. Theres no deed with my name on it from the state of XXXX, I have no rights to obtain anything. This is fraudulent I have contacted an attorney who told me to move and walk away. But how can me when its reported to my credit report as if I had a mortgage. I been in contact with XXXX XXXX  and they will not remove this from my report they just keep giving a explanation its close as transfer to another lender who has not reported and told me to walk away. I keep disputing this with the credit bureau and only XXXX has removed the remark. XXXX  and Experian will not remove this remark. Please advised