23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX, I logged into my Cross Country account to verify that the payment from the Department of Economics had been sent to Cross Country Mortgage it was at that time I noticed the payments hadn't been posted. I then contacted DEO and was advised the payments had been sent. I waited and then contacted Cross Country multiple times during this time I was going back and forth with DEO and Cross Country Mortage at that time we received our bill which stated we were past due for XXXX and XXXX and we were at that point in XXXX and Cross Country said that they has still have not received the payments, but DEO said all payments had gone out, on XXXX I spoke with XXXX with Cross Country she advised me they were still waiting on the payment my husband and I called Cross Country two or three times a day we were still being told they didn't receive any payments. Then on XX/XX/XXXX, I spoke with XXXX from Cross Country and DEO on the same call DEO advised XXXX that on XXXX payments were reissued to Cross Country. Cross Country stated they returned the payments back to DEO as they were now going under the name XXXX XXXX, as consumers we never received any information about a name change nor that our Escrow was short and Insurance was going up. 
On XX/XX/XXXX I spoke with XXXX from C.C.XXXX XXXX XXXX she stated don't worry they will locate the payments and she doesn't understand why payments were returned back to DEO, ( ) but DEO hasn't seen any returned payments. She did verify that XXXX XXXX is also C.C. she then informed me that a payment to Cross Country came in and will be posted in 24 to 48 hours. I called CC and spoke with XXXX to see if they had located any other payments she stated no and it could take up to 30 days for the payment to appear on the online service. On XX/XX/XXXX we spoke with XXXX from C.C. She advised me she would send an email to XXXX. department to contact me she also said no payments were received. On XX/XX/XXXX I called C.C. and spoke with XXXX put a note in to have XXXX. contact me and that the company would generally send a letter about changes and I advised her they hadn't. During this entire time, we had been in contact with DEO sending emails and speaking with representatives. even with the continuous communication between Cross Country and DEO, Cross Country due to this problem has affected our credit reports which have dropped our credit rating by XXXX points.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Citibank 's Best Buy card claimed I was late on paying a bill - they had not sent me a bill and, as a result, I thought the small ( less than {$400.00} ) was paid. I received no notification from the company about a bill or an impending payment, as I do from all other companies. Then the company notified me I was past due by 30 days - throughout that 30 days, I wasn't notified. I immediately made a payment for the entire balance and asked that they remove the derogatory report from my credit bureaus. They complied. They removed the derogatory report from my credit reports and also reversed the late fee. I now have a credit balance on the account. 

They then, for some reason, reversed the changes they made. They reinstated the derogatory report - the only one I have ever had in my life - for no stated reason. They have not reversed the late fee, so I still have a credit balance.
Product: Debt collection

Helvey and AssociatesXXXX XXXX XXXX has an account in collections in the amount of {$150.00} that i did not authorize or initiate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXXXXXX Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent notarized document to have personal information updated and to have closed accounts removed from consumer report Document was sent registered mail Equifax states they didnt receive and says address I say is correct not listed in the system but they mail me a reply to my correct address
Product: Credit reporting or other personal consumer reports

I purchased the vehicle in 2018 Ally Auto hasn't been reporting the payments made to vehicle which will be paid off in XXXX it shows my loan is closed when it isn't. They sent me payment hisin which you can view online. I kept vehicle and didn't include it in a bankruptcy in order to build my credit back up but I'm unable because it's not being reported.
Product: Credit reporting or other personal consumer reports

IM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION.

I WOULD LIKE THIS ITEM IMMEDIATELY RE- INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. 

XXXX  XXXX XXXX XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WHIT WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP.

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd time reporting into this really simple dispute. ACCOUNT HAS BEEN OPEN AND CLOSED 5 or MORE TIMES WITH NO LEGAL EXPLANATION BY CREDITOR OR CREDIT REPORTING AGENCIES XXXX XXXX AND XXXX ALONG WITH THE THIRD PARTY REPORTING CREDIT XXXX AND XXXX XXXX ALSO REPORTING THE OPEN AND CLOSE DATES OVER AND OVER BUT MY AVCOUNT IS IN GOOD STANDING AND NEVER CLOSED BY ME THE CONSUMER. I AM NOT A FAN OF OPENING ACCOUNT PRACTICES THAT XXXX HAS BUT ITS AN ACCOUNT I HAVE FOR NOW. THERE IS NO OTHER RECOURSE BUT TO CONTACT ATTORNEY GENERAL AND AN ATTORNEY FOR DAMAGES. FAIR PRACTICES AND RIGHTS HAVE BEEN IGNORED.
Product: Credit reporting or other personal consumer reports

Attorney general is reporting my payment for XXXX as late, I disputed with proof ( bank statements and payment confirmation emails ) showing that I in fact was not late on my payment, Experian sided with them even though I gave ample proof.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several account that is reporting late payments inaccurately and I want to dispute the inaccuracy of this account. I have contacted the company related with this account, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. Please update the account : XXXX XXXX XXXX XXXX
Product: Mortgage

I was part of a XXXX.settlement : Consent Order AP File No. XXXX ( See attachment ) On XXXX XXXX I called and spoke to a service person at the XXXX number listed on the letter because the email address listed was not working. I was told that I will be receiving a check in the amount of {$490.00} and I I have not received the check. I called today to check the s status and was told that I need to place the status request using the email : XXXXXXXXXXXX. I did that and I received a response stating the email is no longer being monitored and I need to call the number XXXX. 
So I called again and this time I was told I need to contact the CFPB because XXXX does n't have check status info. I called your agency and was told I need to get the info from XXXX. I want to file a complaint and have you research this matter on my behalf because I believe there is fraudulent activity taking place since I have no check and I ca n't get any info from them. Please look into this and respond back to me ASAP with an update. 
Thank you.
Product: Debt collection

Hello, I received my credit report from all 3 credit bureaus after being denied for credit. To my dismay I was quite frankly shocked to see that Care credit with XXXX XXXX had an account on there with my name. I sent them a debt validation letter asking for the signed contract or my signature. What they sent to me was a letter simply stating they verified the debt as accurate and that it's mine. I have no knowledge of this debt at all. They are reporting wrong information on my credit reports. This is not my debt and they have not validated it as mine with any sort of proof or documentation proving it is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I missed a payment to First Progress and just gave up on paying, due to life issues. I got a call from a debt collector in XXXX asking for the payment. I paid the payment, thinking it would go toward the debt. It didnt. First Progress continues to open and close my account every month or so. I paid the {$60.00} through XXXX to First Progress on XX/XX/XXXX. At the time, my account still showed open. They are now trying to say that the {$60.00} has been written off, despite my account being now being open and despite them having accepted my {$60.00} yet again. I have now paid them {$120.00} and am still showing {$60.00} behind.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Vehicle loan or lease

To whom it may concern, On or about XX/XX/XXXX I received a notice from the Massachusetts XXXX that the registration for my XXXX XXXXXXXX XXXX will expire the last day of XX/XX/XXXX and that I could renew it online before that date. I tried Multiple times to complete this process and it kept coming back, unable to renew online. I called My insurance agent and they informed me that the XXXX was aware that my wife XXXX XXXX passed away on XX/XX/XXXX and the only way to renew the registration was to have my wife removed from the title. I called Fifth Third Bank out of XXXX, OH as they are financial institution that has the loan and lien on the title multiple times, including the title department and probate department to inform them that I needed my Wife XXXX XXXX removed from the title. I told them I would send them XXXXXXXX XXXX death Certificate and documents from probate court that I XXXX XXXX is the executor of her estate.They told me multiple times, that the only way to remove her was to pay the loan off in full or to refinance the loan. This is a complete act of cruelty and unfair practice this bank has put on me. Because my wife XXXX from XXXX at the age of XXXX I should never been put in this position. Fifth Third bank backed me into a corner and forced me to either refinance the loan with another bank at a rate of 4 % higher then what I am currently paying, or drain my bank account and pay the loan off when I just lost my wife and her income, More over I have an underage child that I need to take care of. I want this issue addressed and I also want it brought to the atttention of Congress. A simple Certificate of death should of solved this issue in a matter of minutes, but Fifth Third bank just destroyed my life even more than it already was due to the loss of my wife. 

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

Any of the business credit cards I have are only reported with XXXX XXXX XXXXXXXX and other business reports NOT PERSONAL REPORTS. 
I ALWAYS WONDERED WHY XXXX XXXX IS REPORTING ON EXPERIAN AND WHY THEY ARE ALLOWING IT TO BE REPORTED. PLEASE HAVE XXXX XXXX AND EXPERIAN REMOVE THESE REPORTINGS AND PUT ON CORRECT BUSINESS REPORTS.
Product: Credit reporting or other personal consumer reports

I am writing to demand that you immediately remove inaccurate information from my credit report. It has come to my attention that my credit report contains fraudulent information that I have no relationship to. This is unacceptable and I demand that you take immediate action to rectify this issue. Please remove the following items : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit limit increase for one of my credit cards again today XXXX/XXXX/202 and sadly I was denied because when they pulled my credit report there were several accounts reflecting badly. The accounts I have listed on this report do not belong to me. I did not open any account with any of these companies nor did I allow anyone to open them on my behalf. I do not have a written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have taken it upon myself to file a police report in hopes of getting my name cleared from these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which put me and millions of other people at risk. 
I am listed as a potential victim according to their XXXX website, and would like a resolution.
Product: Debt collection

My husband and I purchased a home in XXXX through XXXX XXXX XXXX. Two years later, we were very close to losing our home because of the recession and being in a  compromised financial situation. We had an 80/20 loan and the  primary mortgage which was with XXXX XXXX worked with us to keep our home. XXXX XXXX modified our loan and we were able to stay in our home. On the other hand, XXXX  XXXX XXXX which was the Home Equity Line of Credit did not modify and our account went into default. A few months later, XXXX  XXXX XXXX sent us a XXXX  balance notice and we thought everything was written off due to the predatory lending that XXXX and XXXX  XXXX XXXX were involved in. We thought nothing else of it until XX/XX/XXXX when realtors showed up at my door step informing me that they could help with our foreclosure. I was informed that this collection agency SN Servicing XXXX Trust has a lien on our property and is proceeding with foreclosing on our home come XXXX XXXX. I have received a Trustee Sale that has been filed with the XXXX XXXX Office. I feel hopeless. I thought that debt was taken care of by XXXX  XXXX XXXX. I have called XXXX  XXXX XXXX and they show no record of the original debt. How is this possible? We feel hopeless due to not having the XXXX balance notice. It has been 13 years and this debt collector popped out of nowhere. Is this legal to do? How can a debt collector take someone's home like this. It's been 13 years and we were victims of the predatory lending practices of XXXX. A few days ago I received a settlement check from XXXX law stating we were part of an appraisal class action lawsuit against XXXX XXXX XXXX. And now this. I can not comprehend and I need someone to explain what is happening here. I called the debt collector to see what was owed and it is outrageous. I looked this debt collector on the XXXX  website and they have 13 complaints against them. I am concerned with the validity of this debt.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were honored, I was charged fees do to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8300.00}
Product: Credit reporting or other personal consumer reports

My XXXX loan started with XXXX XXXX then went to XXXX XXXX and now its with XXXX. I know that it was paid off already and they are double dipping.I also submitted a 1099 A.
Product: Payday loan, title loan, personal loan, or advance loan

Upstart keep taking additional payments from my account without authorization. I am getting fees raked up from my bank and from Upstart. Upstart is actually charging me when I return an unauthorized payment. My bank charges me XXXX $ for each one then Upstart charges me. I have had other bills return because of Upstart. I get on and make my regular payment and I will look at future payment to make sure there is no pending payments with Upstart so I make my payment, but the next day Upstart send their unauthorized payment through with the one I make. They are so sneaky. You never know when a random payment will come out. I have had to put stop pays on, which cost me XXXX XXXX Upstart will send that same payment through and but for a different amount, with their XXXX $ fee added on, which they shouldnt even be charging me since it unauthorized in the first place. Right now as we speak i just made a XXXX $ payment. Well there is an additional XXXX $ payment coming out from Upstart that not showing in my Upstart account as a payment and not as a credit in my Upstart account, why are they being so sneaky? So if this payment clears and i dont pay an additional XXXX $ for a stop pay, it will put me XXXX payment ahead. This it totally unfair.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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
Product: Credit reporting or other personal consumer reports

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

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



XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. violation of section 604 15 USC code 1681B. Please remove from my credit report JPMCB CARD SERVICES Account Number : XXXX Please remove this inaccurate information from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and removed from my credit report. It is my understanding that you will verify these items with the respective creditor and remove any information that can not be verified. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Additionally, I kindly ask that you notify any party who has received my credit report within the past six months of the necessary corrections. 

Thank you for your attention and assistance in resolving this matter. 

Sincerely XXXX XXXX XXXX