23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan company ( Loan care ) claims that I have shortages in my escrow account that is causing my house payments to go from XXXX a month to XXXX a month. whenever I call and ask them they either transfer me to a different department or they say it is because I have had flood insurance. Loan care is my XXXX mortgage company that I have had and I have owned flood insurance from the time I got the initial loan. my taxes and insurance have stayed the same give XXXX dollars. I am unable to re-finance due to having a late payment and I asked if I could make partial payments but they told me I could not. Before this all happened they sent me notices that they did not have proof of insurance and if I did not send it in they would buy there own policy for me every 1.5-2 months and every time I would send it in. They would also try and send me a refinance offer once a month as well. I would like out of this company but due to my situation I cant go anywhere. I feel something is not right and have read exactly the same cases with other people.
Product: Debt collection

I submitted a cease and desist order to the collection agency and they have not complied with federal laws under FDCPA
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX OF XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by XXXX OF XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Bank Processing Delay : I made my payment on time, but the delay in processing by Bank XXXX XXXX led to the late payment being recorded. Attached is a copy of the bank statement showing the payment date. The delay was on the part of the bank and not due to any action on my side. 
Discrepancy in Due Date Communication : There was an inconsistency in the due date communication, which I raised with Bank XXXX XXXX. The discrepancy between the statements I received and the payment due date caused confusion. I have attached correspondence with the bank that acknowledges this discrepancy. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

The bureaus are reporting an account with XXXX XXXX that I settled last year!!! I have sent in multiple disputes and they continue to report this debt. I have sent several letters to XXXX XXXX saying they are reporting inaccurately and have filed several complaints and no one can get a hold of them. This account is hindering me from being able to buy a home and this needs to be fixed immediatley.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX DEPT OF THE TREASURY Last reported XX/XX/XXXX XXXX Last reportedXX/XX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I disputed a account on my Experian credit report and they came back and informed me that the account was mine and has been verifed. Because this account is so old and outdated the information listed on my Experian credit report ( XXXX XXXX account XXXX ) is not 100 % accurate. This account is charged off going on 6 years.. I was hoping Experian would provide me more information than just saying " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ''
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting act XXXX  Account # XXXX, has violated any rights. 

15 U.S.C 1681 Section 602 A. States that 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 a account without my written instructions.
Product: Bank account or service

I received a letter from a stranger stating that US Bank sent a letter to him that was meant for me. Being a bank they know how important it is to protect an individual 's account and being a recent victim of identity theft this really alarming. Please find that I 've enclosed all necessary documents so you can see how careless this company is. No wonder someone who stole my identity was able to open an account in my name with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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 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 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Wells Fargo has a credit card on my credit report that I never open. It says I open a credit card in XXXX XXXX but I never had a credit card through Wells Fargo. But I have had a auto Loan with them open in XXXX. I reported this to the credit bureau in XXXX but they failed to remove it from my credit report.
Product: Mortgage

over charged escrow for 2024 Recieved escrow statement stating a surplus of XXXX asked for it to be credited to payment owed. after requesting that they told me I had no surplus and denied the credit and never returned my surplus.
Product: Credit reporting or other personal consumer reports

A certified letter was sent to remove all unknown names & Addresses from my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$2500.00} XXXX XXXX XXXX Balance : {$27.00} XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXXXXXX Balance : {$940.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these negative items from unknown companies to show up on my credit report.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I, XXXX XXXX XXXX has never done business with the accounts listed below. These account are being reported to my credit report ( all three ) an i cant even buy a car. I have tried to contact them and i get no where. I have all the details about the account that is being reported to my credit, but again I never done business with any of these account, so I don't have all the details. 

XXXX ) XXXX XXXX XXXX {$3300.00} XXXX ) XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX  {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts/inquiries have not been authorized by me
Product: Credit reporting 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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
List : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX account # XXXX XXXX U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I Received A copy of My Credit Report I saw Accounts That Don't Suppose To Be There Please I Demand these ACCOUNTS and INQUIRIES to be REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. 
THESE ARE THE ACCOUNTS : 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 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 XXXXXXXX XXXX. 
Under FCRA Consumer SECTION : 15 USC 1681B Permissible Purposes, 15 USC 1602 opt-out option, 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, Imprisoned for not more then 2 years.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$910.00}.
Product: Money transfer, virtual currency, or money service

Im here too express my concerns of their handling their disputes particular in the light of them recent CFPB lawsuit highlighting significant issue with the platform. Despite use Zelle multiple times and reporting issues, my financial institution and they refuse to investigate my claim inadequately. They told me recovery in-laws funds was impossible and tracking these transaction is unfeasible. CFPB has shown that Zelle neglect to protect your customers.
Product: Mortgage

My Mother, XXXX XXXX XXXX owned a home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX She died on XXXX XXXX in that home without a will and not telling me, her only surviving heir that she had a reverse mortgage.I have been living in that home since XXXX taking care of her. I found out by one certified letter addressed to her and a second certificate letter addressed to Occupant about the Reverse Mortgage.But because I was not named on the original loan application, she couldnt talk with me. I tried to explain to a representative of PHH the situation and that I was trying, unsuccessfully to find a lawyer ( between XXXX and XXXX ) to file an Affidavit of Heirship in order to sell the house to pay my Mothers outstanding debt. I have just now found a lawyer. We will meet this Tuesday ( XXXX  ) to file an Affidavit of Heirship to be able to move forward with the sell of the house to pay the outstanding loan XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX financed my new XXXX XXXX the company in XXXX aid i had not made any payments which i had and they have continued to tell me i haven't they  have wrongfully repossessed my XXXX by not notifying me that they would be repossessing the vehicle as well they did not give me any option to pay or work out anything.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain hard inquires on my credit report that I did not authorize. Upon reviewing my report, I have noticed that there have been inquiries made by XXXX XXXX Capital One Auto Finance on XX/XX/2023, XXXX ) XXXX XXXXXXXX XXXX  on XX/XX/2023, XXXX ) XXXX XXXX on XX/XX/2023 and XXXX XXXX XXXX on XX/XX/2023. NOTE : There was no space for me to include the address and last four digits of my social security number that this may be sent to XXXX XXXX XXXXXXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX. Last four digits of social security # XXXX. 

I want to clarify that I did not give permission for my credit to be run by these entities, and I am concerned that these inquiries have negatively impacted my credit score. I request your assisatnce in investigating this matter and ensuring that these unauthorized inquiries are removed from my credit report. 

Please let me know what steps I should take next to resolve this issue, and if there are any forms or additional documentation I should provide. 

Thank you for your time and assitance in this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was paying Gordon & Wong a monthly payment of {$50.00} and sent to their address on XXXX XXXX. in XXXX the payment was returned. I tried to submit payment again in XXXX, and XXXX with the same result. I also called the business on XX/XX/XXXX and XX/XX/XXXX, but was unable to leave a message. 

Fast forward to XX/XX/XXXX when I received a 5 day notice to pay a past due amount of {$350.00}. I had never received any written, verbal, or electronic notice from them, despite the fact that I was told they had sent notice of their new address in XXXX and XXXX. 

I couldn't send a payment if I didn't know where to send it. I should not be held responsible for past due, or in the very least, be given some leeway on the past due amount, since I never received any written notice on their change of address, though they insist that they sent it. This is not the first time this has happened with this company, as I had initially found out they had taken over my debt by receiving a wage garnishment notice.
Product: Mortgage

My husband and I had a mortgage through Wells Fargo. We know for a fact that they mismanaged payments and also our escrow resulting in us having to pay alot more money than we should have over and over. By the time we sold our house we ended up paying way more than we should of. We knew this was happening over and over especially every year when we had to pay more payments and extra escrow. We also had issues with our payments for our XXXX loan we had with them!
Product: Debt collection

I have been constantly receiving postal mail from this company called Transworld Systems , Inc with the physical address XXXX XXXX XXXX XXXX, DE XXXX where they are trying to collect a balance that according to them I have pending with the XXXX company, when I receive this letter, let me know with them to understand what it was about because I do not have an account with XXXX to owe them anything and they did not know how to give me an answer, then I contacted XXXX asking for information and they told me that it could be a fraud, in the letter my name appears incorrectly written but they have my address and letters are constantly coming to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon applying for a loan to buy a vehicle, it was discovered that Equifax and XXXX both can not verify my identity. I have called Equifax multiple times to try to fix the situation, and was told I needed to send them supporting documents in order for them to verify my identity. After sending what was required and calling them multiple times, they claimed that they did not receive my information. The last two times I have called them asking to speak to a supervisor, I have been placed on hold for a total of over a hour and a half, eventually leading to them disconnecting the phone call. I have mailed and faxed Equifax multiple times, each time ending in the same result. Ultimately, I have not made any progress into the issue, and I dont even know why the underlying issue was caused. I am unable to receive information about whether my identity was stolen, or it is something along the lines of my name or address being misspelled.
Product: Mortgage

In response to several complaints I have filed against Chase they now are claiming, in a letter dated XX/XX/2019 they did not receive my XXXX payment despite the fact that the payment cleared my account on XX/XX/2019. These people really are XXXX.
Product: Mortgage

My previous mortgage company { XXXX XXXX } since XXXX was recently transfer /sold as of XX/XX/XXXX to a new service provider-Mr.Cooper. 
In these past 3 months, they have been a nuisance and harass me despite numerous phone calls which is very difficult to get a customer service person to assist. I NEVER EVER been late with my mortgage. However with Mr Cooper I received letters and phone calls about my payment due on XXXX of the month.On XX/XX/XXXX at XXXX XXXX I recv I call stated that they didn't received my payment. I called to request to stop making calls to me. I was assured that I was put on a do not call on my account. 
On XX/XX/XXXX - I get a phone and I did not answer it .They left a voice message to contact them stated that they didn't received my payment. 

They are annoying and agitated me with the way they are treating me like I am a deadbeat. I DID not run up credit cards and getting treating as such. At XXXX XXXX I was never read this statement that Mr Cooper uses as that they told to say " This is attempt to collect a debt and any information will be used against you " etc. WHY are they allowed to say this when I am not late with my payment. 

I am considering to seek a lawyer and perhaps start a law suit with Mr. Cooper.