23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX 2015, XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services. When my loan left XXXX XXXX XXXX, everything was perfectly fine with my escrow account and my monthly mortgage payments. In fact, the month before it sold, I sent them a check for an escrow shortage. On XXXX XXXX, 2015, Carrington did an Escrow Analysis and somehow came up with a shortage in the amount of {$1100.00}, however, no one can explain to me where this shortage is coming from. It does n't really take a genius to figure it out. They are paying my taxes on the wrong dates. I have faxed them a XXXX page letter on XXXX XXXX explaining my discrepancies with my mortgage XXXX a copy of which is attached for reference ). Whenever I call Carrington, no matter who I get, their response is always " I do n't know '' No one there knows how to do their job. My property taxes are due in XXXX and XXXX each year. They are trying to pay my property taxes in XXXX and XXXX and so now that is where the shortage is coming from. They are paying taxes before they should. The XXXX County Auditors office has gotten numerous complaints about Carrington doing this and they are getting extremely irritated because it is creating more work for them. They do n't even know what our taxes are going to be each XXXX until the XXXX ballet passes. Tax bills do not go out until XXXX and are due in XXXX. So Carrington is sending wrong amounts to them! In addition, Carrington is paying too much for property taxes. My taxes are {$1300.00} a half and Carrington is paying {$1300.00}. They are trying to tell me that my mortgage is going up {$98.00} due to this shortage, yet they ca n't even explain the shortage. Again, no one at this company knows how to do their job. I know more than they do. I never had any problems with XXXX XXXX XXXX. Carrington has been a COMPLETE nightmare and action needs to be taken against them. I have sent them all the documentation they need, and XXXX again, I am attaching all that documentation to this Complaint. They better get it figured out soon or I plan to take further action against their company! This company is a FRAUD!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 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. 
I am fully aware of my protection and what these laws mean fully. The accounts are listed below as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : States that a consumer reporting agency can not furnish an account without my written instruction, which I have not given XXXX ANY written consent to furnish anything about myself on my consumer report. 

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 reports by more than seven years. 

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

Throughout my history with this account, I've consistently maintained timely payments, avoiding any instances of overdue payments. I find myself puzzled by the presence of late payment remarks on my accounts, and I believe they should be rectified according to the guidelines outlined in 15 USC 1666b regarding billing errors.
Product: Credit reporting or other personal consumer reports

ChimeFin/XXXX XXXXXXXX Account XXXX This account is on my credit report as paid as agreed but the balance amount is {$0.00}
Product: Credit card or prepaid card

Sometime between XX/XX/2019 and XX/XX/2019 I got a credit limit of XXXX at the dentist place it came to XXXX and when I left on a computer at the front desk it asked if I was going to make payments or pay it off in 6 months I choose payment I was making payments and it was not going down now it is up to XXXX this is totally messed up I was making payments just like that computer asked me and it was not even changing I want this fixed I am not a millionaire I live off ssi and sad XXXX dollars a month that is it what you guys are doing is not right fix what someone XXXX up on their end not me
Product: Mortgage

My FHA mortgage loan is currently serviced by Wells Fargo. Wells Fargo has refused to process my loan modification, refusing to issue any written statements, approvals or denials. Wells Fargo is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have applied for a loan modification on numerous occasions and Wells Fargo has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Wells Fargo is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency.

Wells Fargo also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of 2012 ( NMS ). Per the NMS, Wells Fargo is obligated to process the loan modification with transparency. Wells Fargo has refused to cooperate and is threatening foreclosure action, as they have set a foreclosure sale date of XX/XX/XXXX. 

Based on the violations listed herein, I am seeking your assistance on this matter. Wells Fargo has set a foreclosure sale date of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Notice To Sue Subjet : Final Request To Remove Or Delete disputed accounts and Resolution.

To whom it may concern, I am writing regarding the continued over the accounts detailed below, for which I have received yet another generic response, the same response from Transunion Credit Bureau, indicating a previous verification. 
XXXX XXXXXXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX ( XXXX ) These accounts are not listed on my other XXXX credit reports that I have continually send not only my other XXXX credit reports and substantial documents that Transunion has asked me to provide to them for the removal of disputed accounts. This letter marks another attempt in a series of communications aimed at resolving the issue. The lack of a thorough investigation in this matter by Transunion is not only frustrating but also suggests a disregard for the CFPB laws designed to safeguard individuals like myself. Given the history of these disputes and the documentation of all related correspondence, I am seriously the involvement of my consumer rights attorney to asses potential violation of my rights. This is a final appeal for Transunion Credit Bureau to correct or remove the inaccurate information from my credit report. Failure to address this issue satisfactory, will compel me to pursue all available avenues including filing complaints with the Justice Department Office of the Comptroller of Currency, XXXX XXXX, XXXX XXXX XXXX XXXX, Division of Credit Practices, XXXX XXXX XXXX XXXX XXXX, as well as engaging my State Senator, Congress, the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX. The resolution of this matter now rest with Transunion Credit Bureau. I urge Transunion to take appropriate and immediate action. My attorney is closely monitoring everything to ensure a fair resolution in this matter. I hope to receive a response in within 15 days of receiving this letter Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX ; drops my credit all the time, but he always offers me loans and credit cards ; Experian recommended paying the loans and opening a XXXX balance complaint ; but they destroy my credit it's lower than ever, and I've never been late on payments or filed for bankruptcy, they said my credit is low because I have personal loans, there were only XXXX, and XXXX credit card, a very small amount, I paid those loans with effort more than 30 days ago ; Now they say that my credit has gone down more because I closed the accounts, I did not close the accounts, I reported XXXX balances, they told me to do it, that's how I do it, I request to update ; my credit I have XXXX open credit card and XXXX store credit card because I don't need more for now ; all the payments I made was because I am refinancing my house and I needed some more urgent points, but it did not help me, it hurt me ; that was the only reason I paid the personal loans in advance and when they are paid they close automatically. 
They reported inquiries from companies all the time I never request any from them. 
I need you to help me to be fair with my record ; I do not owe much, on my house and my vehicle loan.
Product: Debt collection

This company has added several medical collections to my credit file, I have disputed and requested validation. I feel this is inaccurate data and request validation
Product: Credit card or prepaid card

Bank issues scam credit cards with foreign customer service agents who can not speak English. One scam issue I have incurred as follows : Scammers pose as Capital One or a legitimate company and ask you to provide personal information or transfer money by phone, text or email. They use a fake caller ID that could show up as Capital One and/ or request remote access to my device. 

Capital One reports inaccurate card payment status to Credit Bureaus. Also they can not make a Change of Address to my account without submitting a Driver License Photo across the Internet. Been scammed by their Customer Service Department at least 4 times and my personal information was compromised. 

Bank Information : Capital One Bank Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the reporting of child support on my credit report, which I believe is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i. 

According to the FCRA, credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 U.S. Code 1681e ( b ) ). I believe that the child support reporting on my credit report is inaccurate and in violation of this provision.

Furthermore, under 15 U.S. Code 1681i, when a consumer disputes the accuracy of the information in their credit report, the credit reporting agency is required to conduct a reasonable investigation into the disputed information. I am requesting that you investigate the accuracy of the child support reporting on my credit report in accordance with this provision. 

I have attached documentation that shows that the child support reporting on my credit report is inaccurate. I request that you promptly investigate this matter and correct any errors or inaccuracies that you find. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.
Product: Debt collection

XX/XX/2019 - XXXX XXXX  performed by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. 
XX/XX/2019 - Received the FIRST and ONLY bill from XXXX XXXX XXXX XXXX for {$230.00} XX/XX/2019 - Paid bill online with Visa Credit Card XX/XX/2019 - Received Voice Mail from Quantified Management Services about collecting an unpaid debt. 
XX/XX/2019 - Received second Voice Mail from Quantified Management Services about collecting an unpaid debt. 

XX/XX/2019 - Returned call to Quantified Management Services and inquired about the debt they are trying to collect on, and who the company was that I owed the debt to. 
They informed me it was for XXXX XXXX XXXX XXXX. I attempted to inform them I had no outstanding debts with XXXX XXXX XXXX XXXX but the individual on the other end would hear none of it and disconnected the call. 

XX/XX/2019 - Called the Billing Dept at XXXX XXXX XXXX XXXX. Spoke with  XXXX. She informed me that the bill showed " paid '' as of XX/XX/XXXX. I informed her that I paid online with a credit card on XX/XX/2019, and also that I checked my Visa Credit Card Statement and it shows a posted date of XX/XX/2019. She informed me that the bill was 90-days over due and that was why it was sent to the Collection Service agency hired by XXXX XXXX XXXX XXXX. I informed her that I received the bill on " XX/XX/2019 '' and that the statement date shown on the bill is " XX/XX/2019. '' Therefore, how could this bill be 90-days overdue, especially when I paid it within 10 days of receiving it? She surmised it was because their billing dept was waiting for my insurance to pay their share of the bill and it went past the 90-days and thus triggered the collection agency into collecting a debt past 90 days. So why am I being penalized for their shortcomings in their billing dept.? XXXX XXXX XXXX XXXX obviously has internal problems with the procedures they follow for their billing protocols. XXXX said she would notify Quantified Mgmt Services that the bill was paid and I should not be getting any more calls from their collection dept. 

XX/XX/2019 - Received yet another follow up correspondence via usps from Quantified Mgmt Services dated XX/XX/2019 attempting to collect on this same debt of {$230.00}. 

XX/XX/2019 - Wrote a complaint letter to XXXX XXXX, the Administrator for XXXX XXXX XXXX detailing the harassment I have been receiving from Quantified Mgmt Services.
Product: Credit reporting or other personal consumer reports

These inquiries and creditors are not related to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOME FRAUDULENT ACCOUNTS WERE ON MY CREDIT REPORT BUT INQUIRES NEVER GOT REMOVED. XXXX BANK XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/XXXX US SM BUS ADMIN ODA
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX XXXX XXXX opened on XXXX XXXX XXXXXX/XX/XXXX, a credit card account with XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX opened on XX/XX/XXXX, an auto loan with XXXX XXXX XXXX opened on  XX/XX/XXXX, an installment loan with XXXX  XXXX opened on XX/XX/XXXX, an installment loan with XXXX  XXXX XXXX XXXX XX/XX/XXXX, an installment loan with XXXX  XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Debt collection

Never gave my Employer Number to Contact. Not allowed to receive these calls at my place of business Called and Claimed to be from XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I am being charged {$29.00} by an Internet Hosting company called Just Host. This service was cancelled XX/XX/18, but they keep charging my card. I complained to the credit card bank Capital One and they have taken all my supporting documents but are still re-billing my credit card. I called Capital One again today and they said they did not receive any supporting documents. This is false. I uploaded all the supporting documents to a special document link they provided me.
Product: Checking or savings account

I reviewed my credit report and reached out to Pentagon about my account status being in the negative and reporting bad information. This account has been paid but they have refused to take the negative history and reporting off and not have put in back in good standing. They stated to me that they negative will still report because it has to report for 7 years and they it will eventually come off. This has been affecting my credit report and I am trying to fix the negative accounts so that I can get approvals and rebuild.
Product: Credit card or prepaid card

Applied U.S. Bank Platinum Visa Card on XXXX after receiving a pre-approval in the mail. Received mixed messages online after submitting my application about whether I was approved. On one hand I got the auto-confirmation that line of credit was granted and that I'd be receiving my card in 4 business days. On the other hand I got an email saying their decision will be mailed to me in 10 business days. I called twice on XXXX to ask for an expedited card, clarification whether my application was accepted or not, and a credit limit increase since the initial amount was low. I didn't receive clarification from either phone call and was verbally rejected for an expediated card and limit increase. I didn't receive card for 3 weeks with no explanation. I called their number on XXXX twice, first time to request an expedited card, second time a few hours later to make sure the the first call rep did anything because at this point the bank and this credit card process has been incompetent. If I hadn't heard of U.S. Bank before I thought I was in the middle of a identify-theft scam. 3 reps over 2 calls on XXXX assure me I'll be receiving the card on XXXX and that I may call on XXXX for the tracking number. I call twice on XXXX for the tracking number and both reps don't have a tracking number for me and inform me that the replacement card hasn't been shipped yet. I called again on XXXX and there's still no tracking number or indication that a card has been sent. My conclusion is that the bank is giving me the run-around and refusing to provide the card so that I may not use their service. It's hard to believe this is just incompetence.
Product: Credit reporting or other personal consumer reports

I am writing to cfpb to address concerns that my credit report is being falsely reported. Your failure to verify these accounts has hurt my ability to obtain credit. Under FCRA rules failure to remove these accounts is violating my consumer rights. 

Under 15 US Code 1681b Permissible purposes of consumer reports I never gave permission for these collection accounts : XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$240.00} Delete these accounts immediately! 

Furthermore, I am a victim of identity theft. Can you delete these accounts and send me an update? 

Lastly, late payments or derogatory statuses is a direct violation of FCRA 605B I am requesting the deletions of the late payments for : XXXXDEPT OF ED XXXXDEPT OF ED XXXX late payments which have been deferred. 

Respectfully, XXXX XXXX
Product: Payday loan, title loan, or personal loan

PENTAGON FEDERAL CREDIT UNION had denied me an extension of credit
Product: Credit reporting or other personal consumer reports

Subject : Immediate Action Required : Dispute of Incorrectly Reinserted Collection Account To Whom It May Concern, I am writing to demand an immediate reinvestigation of the collection account identified as XXXX XXXX XXXX XXXXXXXX. This account was previously removed from my credit report, and I find it unacceptable that it has been reinserted without proper verification. 

I want to be crystal clear : I do not owe this debt. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy of the information on my credit report. I expect you to uphold this responsibility without delay. 

I require the following information immediately : 1. Verification of the Debt : Provide documented proof that this account is mine, including details of the verification process used for its reinstatement.

2. Original Creditor Information : Confirm the original creditor and their validation of this debt.

3. Explanation of Reinstatement : A detailed account of why this entry was reinserted after being removed. 
If you can not provide verifiable evidence supporting this account, it must be removed from my credit report immediately. I will not tolerate any inaccuracies that could damage my credit standing. 

Failure to comply with this request will compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider all available legal options to protect my rights. 

I expect your prompt attention to this matter, with a response within the 30-day timeframe required by the FCRA. 

Thank you for your immediate action. 

Sincerely, XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX