23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been overcharged on my escrow account by planet home lending since the beginning of XXXX and continue to be overcharged. I first emailed regarding this issue on XX/XX/XXXX and had phone conversations with them in the following days. I thought everything had been squared away but I began to investigate my escrow account and found that was not correct. I wanted to make sure I would not be short again this year on my escrow and I realized I was still being overcharged. They have three amounts for my taxes when there should only be two. They have listed a town that is 45 minutes away from where I live on my escrow. I do not live anywhere close to this town therefore I can not pay taxes to them. They duplicated the amount of my county taxes and listed it as another town. So not only do I have my county taxes and city taxes but then I have a made up amount to a town I dont live in. I reached out to them again on XX/XX/XXXX in email and never heard anything so I called on XX/XX/XXXX to be informed there investigation was concluded on XX/XX/XXXX and that I was wrong. I began getting proof together to send to them in the form of : my tax records, payment and escrow information, and tax ID number to send to them. Which I have in email on XX/XX/XXXX and have not heard anything back from them. I have all proof and would be glad to send it to you.
Product: Credit reporting or other personal consumer reports

Experian and XXXX have both failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian or XXXX have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I refinanced my home loan with a new company. The title company paid off the payoff amount that Loan Depot said was the payoff amount. This occurred in/around XX/XX/year>. In XXXX I received a late mortgage payment from LoanDepot ( XXXX ). I called and said I had a new loan. They were unable to verify it. I then received approximately XXXX different bills from LD in various amounts from approx {$1000.00} to {$3600.00} dollars. I have called no less than XXXX times trying to find out what is going on. My current loan company called and couldn't get info. In XXXX, LD apparently issued a delinquent or late payment on my credit report. Again I called and was told they would figure it out and get back to me. My current lender doesn't feel that I owe anything, but can't tell me why they are still claiming I owe money. 
I have documents to add from LD and from my new lender. If I owe something, why can't they tell me what is owed and allow me to verify that amount with my new lender?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to remove these accounts that do not belong to me. I have asked for documents to show that these accounts belong to me and I have not received them. I was not notified 5 days prior to these accounts being placed on my credit report. According to the FCRA and FTC, I am supposed to receive a letter about these accounts and I have not received any notifications about the accounts listed below XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card

I, the consumer and natural person, was denied credit by TD BANK, N.A when I applied for an account with XXXX XXXX XXXX XXXX XXXX XXXX 
According to the Equal Credit Opportunity Act adverse action against a consumer is against the law which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k.

Due to the response I received by TD BANK, N.A they are subject to criminal liability for violating 15 USC as I have proof that I was discriminated against due to the response I received ( see attached correspondence from TD BANK, N.A dated XX/XX/2023-Exhibit A ). 
TD BANK, N.A is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Furthermore, because my social security number which according to 15 USC 1602 ( l ) is defined as a credit card was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of TD BANK , N.A . 
I mailed correspondence to TD BANK, N.A via Certified Mail # XXXX XXXX XXXX XXXX XXXX ( see attached ) in an attempt to remedy the situation ; and in return received a frivolous response dated XX/XX/2023 ( see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Hello on XX/XX/2019 I went into Kohl 's XXXX in XXXX, Michigan XXXX and spend {$290.00} on clothes and on XX/XX/2019 I saw that the items that I purchase were on sale for lower amount so I went to Customer Service to ask if they could give me a PRICE ADJUSTMENT and the associate did give me one for {$90.00} which she said that they would credit my CHARGE CARD FOR. And I said fine cause I did not want any cash money back so yes credit my Kohl 's Credit Card. Well I check my statement account and notice that I got a {$19.00} credit back on my card and I don't know where that came from for the date XX/XX/2019 and mine you I did not return anything back or nothing like that. So I called Kohl 's Charge Card on XX/XX/2019 and talked with a XXXX who said that she see that it is pending and that her Manager is looking into it and will call me back within 24 hours and don't I try to handle it myself and go back to the store cause they will get back in touch with me. So I said okay fine, I will wait. I called back on XXXX XXXX and talked with a XXXX who transfer me to a XXXX  who was no help, who transfer me to a XXXX who was talking down to me and I said Ma I am trying to get this matter taken care of I help a receipt which said my card is to be credit {$90.00} and I don't see it and I see a return credit of {$19.00} and I DID NOT RETURN ANYTHING PERIOD BUT I DID BY MORE THINGS WHICH COST ME {$190.00} SO I NEED TO FINE OUT WHAT HAPPEN AND WHERE DID THIS {$19.00} COME FROM? BECAUSE I DID NOT SEE ANYBODY ELSE NOR DID ANYONE SEND ME ANYTHING TO EXPLAIN THIS TO ME. I AM A CUSTOMER, WHAT IS GOING ON?
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the consumer reporting agencies to make sure everything in my report was complete and accurate to 15 USC 1681i ( 5 ). I waited over 30 days and noticed everything was the same. The consumer reporting agencies Equifax XXXX XXXX did not accurately investigate. Dates open is not correct m, dates last active are incorrect on all XXXX reports as well as date of last payment. Which is a violation. This is impacting me from buying a home. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A. I called in to Women Within to place an order B. I was told to get app and make order that way so I did. but I got an error message stating I could not place an order I must call in.

C. So I called Women Within back to tell them, they told me that the would send situation to tech to fix it.

D. They took my order over the phone. I ordered 3 dresses to receive in 3 days so I paid extra for fast shipping. XX/XX/1920 E. I received items in 3 days.

F. I sent back 1 dress.

G. I checked the online credit Barclay/Juniper to see if I got the refund. I did receive the refund. But the bill was high so I looked to see what the problem was and that Women Within had charged me the same amount the following day. 
H. I called my credit card company I told them that I was charged twice. the man at Juniper/Barclay told me he would handle it that I don't have to pay that he removed out of my account, I. Then 3 weeks later I received a package in the mail from Women Within but I hadn't ordered anything else. This was about 3 weeks after I had received the original order and had sent back 1 dress from that order.

J. I called Juniper and reported this but I had not opened the package the man asked me to open it but I didn't I only peeked in through an airhole in the plastic wrapper. He told me to request a label.

K. I received a letter the next day stating that I had been sent to their XXXX XXXX XXXX I called them they told me that was should not have been sent to Collections, to open package to the label out and send it back to write in the invoice duplicate order.

M. I had a witness to this phone call and he wrote a statement about the call and me getting the label and sending package in.

N. I had a witness to delivering package to the XXXX Post Office she write a witness statement too.

O. I have a letter stating they received this information and that I don't have to pay for the other items.

P. In XXXX Barclay wrote to me stating I had to pay and that they have receive nothing from me.

Q. I called them about this they said they have received nothing from me no witness statements or anything. I asked if they through everything I send away no response. 

The reason that I didn't have the receipt print out of the reurn is because when I got in the line at the post office there was too many people in there because of the covid-19 rules. They said that anyone with a printed return label on their packages should place it in the return area because there was to many people in the post office. If we didn't move along the place could be shut down.
Product: Mortgage

My mortgage was settled and discharged in the XXXX XXXX registry of Deeds. Based on a masslandrecords.com search today a " Corporate Assignment of Mortgage '' was filed on XX/XX/2020 by a company named XXXX XXXX XXXX - Ocwen.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 



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 XXXXXXXX
Product: Checking or savings account

Received letter from TD bank that there was insufficient funds in my checking account. I do not have a checking account at TD bank. They say last XXXX of acct. no. is XXXX. 
XX/XX/22. I called their fraud section.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Assistance Needed : Violation of Consumer Rights under Section 807 of the FDCPA Dear Consumer Financial Protection Bureau, I am writing to formally dispute the reporting of my accounts with Subject : Urgent Assistance Needed : Violation of Consumer Rights under Section 807 of the FDCPA Dear Consumer Financial Protection Bureau, I am writing to formally dispute the reporting of my accounts with XXXX XXXXXXXX XXXX XXXX XXXX XXXX Despite my repeated disputes, the furnishers continue to assert that these accounts meet the Fair Credit Reporting Act ( FCRA ) standards, which they clearly do not. 

Section 807 of the Fair Debt Collection Practices Act ( FDCPA ) prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt12 The furnishers actions are in direct violation of this section as they have failed to accurately report the status of my accounts, thereby misleading the credit reporting agencies and causing significant harm to my creditworthiness.

I am in urgent need of your assistance as these inaccuracies are severely impacting my financial stability. The furnishers refusal to correct these errors is a blatant violation of my consumer rights under the FCRA.

I respectfully request that the CFPB intervene to ensure that these furnishers comply with the legal standards and correct the misinformation on my credit report.

Thank you for your prompt attention to this matter.

Despite my repeated disputes, the furnishers continue to assert that these accounts meet the Fair Credit Reporting Act ( FCRA ) standards, which they clearly do not.

Section 807 of the Fair Debt Collection Practices Act ( FDCPA ) prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt12 The furnishers actions are in direct violation of this section as they have failed to accurately report the status of my accounts, thereby misleading the credit reporting agencies and causing significant harm to my creditworthiness.

I am in urgent need of your assistance as these inaccuracies are severely impacting my financial stability. The furnishers refusal to correct these errors is a blatant violation of my consumer rights under the FCRA.

I respectfully request that the CFPB intervene to ensure that these furnishers comply with the legal standards and correct the misinformation on my credit report.

Thank you for your prompt attention to this matter.
Product: Student loan

I filed for bankruptcy 3-4 years ago, which I was recently discharged from. However, during that time they tried to contact me. I directed them to my attorney but then they decided to harass my aunt, who is my co-signer. She 's been receiving vicious calls about putting a lien on her house, garnishing her and my bank account. They never call me or send me letters, they always send them to her and they keep adding interest to my debt, which it was agreed during my XXXX-XXXX chart XXXX period, interest would not increase. My debt was supposed to be down to {$85000.00}, well now they say it 's over {$100000.00}.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX  I looked at my TransUnion credit report on XX/XX/year> and notice some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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, credit repair services, or other personal consumer reports

In accordance With the fair credit reporting act convergent account XXXX XXXX Has violated my rights.

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that 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: Debt collection

I am a XXXX vet my medical bills are covered by the va due to my medical percentage I got notification that Pioneer credit is attempting to collect on a medical debt that i do not owe I never got a bill due to my XXXX percentage my medical bills are completely covered I have never gotten any bills from the va for {$960.00} my medical bills are all covered by my Medicare this is a mistake and this bill needs to be returned back to the va to correct due to their error a XXXX veteran medical  bills and meds are covered by the Va this is an error.
Product: Debt collection

company called me, my mother, and my husband. Threatened that if I did not call in a timely manner I would face charges and that I was being sued for fraud. the contact number given was XXXX with contact XXXX XXXX. after numerous harassing calls to my family ( in which they gave information about me to whoever answered the phone ) I called to see what I could do to make it stop. I was told I owed a debt to XXXX XXXX XXXX for a payday loan back in XX/XX/2008which is inaccurate ( icalled them to check into this and they confirmed I had no debt with them ) I asked the company to take all the numbers out of their system and stop harassing my family about a fraudulent debt. She ( XXXX ) refused to do so and said " I guess you should of thought about that when you put them down as references for your loan '' I told her XXXX XXXX XXXX shows no such debt and she said well it was sold to someone else ... after much coercing she gave the company name of XXXX XXXX  but was unable to give me a contact number. I have never received documentation regarding a debt and I want the calls to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

i need clarification as to why you are reporting certan information on my credit report pleace review the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A collection is buy default ( PAS DUE ) Delete account for inacurate reporting. after you finished my request sen me a copy off my credit report reflecting these changes XXXXXXXX XXXX XXXX
Product: Debt collection

I have been repeatedly harassed by Kinum for years for alleged XXXX repair charges from my children 's school. They call repeatedly, multiple times per day. When I block their number they call me from a different number. I have blocked multiple numbers for years and they just keep calling on other ones. The last time I was harassed by them last week, I told them I would be filing a complaint about the repeated call harassment and the agent threatened my credit. This alleged debt is for a for a child that of mine that is now XXXX XXXX XXXX. They are now trying to say I owe money for my XXXX XXXX XXXX son 's XXXX repair that has just graduated. The school has insurance on the XXXX and the school never made an attempt to collect funds from me. They can and do withhold graduation if there is any outstanding debt and that did not happen in either circumstance. I do not owe this debt and the harassment needs to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the late payments from this account or delete this account as the information is incorrect. I've included the credit report from both Equifax and XXXX and both are reporting different incorrect information. You have incorrect account numbers and also incorrect payment history. Equifax shows 23 months of good payment history and XXXX shows 18. Please delete or removed all late payments. Account name : XXXX XXXX XXXX Account number : XXXX Date opened XX/XX/2013
Product: Mortgage

We were involved with the XXXX  XXXX XXXX XXXX in XXXX  which was the beginning of the problem. During that time XXXX  XXXX XXXX sold my mortgage to XXXX. A loan modification was completed. I was a single parent of young children and had some medical issues which kept me out of work. Mortgage sold again to XXXX. A loan modification was in process and I had already made the first payment. I was involved in a near fatal boat accident and spent 6 weeks in the hospital. Even after XXXX surgeries to save my arm I am permanently XXXX and was forced to medically retire. At the time when I got out of the hospital I immediately called and explained the situation. The mortgage company told me they already canceled the modification, and that they would not help or assist me further.

Mortgage sold again this time to Selene. Now I have a further reduction income due to XXXX and COVID-19. I hired an attorney to handle the modification however due to lack of IRS tax returns the attorney is demanding another {$3500.00} to start the modification process all over again.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Bankruptcy. XX/XX/XXXX Bankruptcy 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.