23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Interfirst ( XXXX XXXX XXXX, XXXX, XXXX ) holds mort on my home. I received annual escrow analysis in early XX/XX/2023. I was paying $ XXXX. They made a mistake and showed an insurance payment to be made in full in XXXX and XXXX ( always paid in full in XXXX only ). They didn't actually pay it twice, but because of this mistake, projected a shortage in my escrow. Said my payment would increase approx $ XXXX. ( it showed a payment of {$1200.00} due XX/XX/2023 ). I contacted them in XXXX and, realizing their mistake, they were to produce a new corrected analysis and send a copy to me. I received that new analysis about XXXX days later. It indicated a shortage of {$220.00} and that my payment would increase from {$1100.00} to {$1100.00} ( an increase of {$38.00} ). By this time I had already sent payment for XXXX ( {$1100.00} ), as I hadn't received a new payment amount. I then receive a statement showing {$1200.00} due XX/XX/2023. After talking by phone with them 4-5 times, I escalated to someone named XXXX XXXX XXXX He said my XXXX payment ( {$1100.00} ) wasn't enough to satisfy what was due ( {$1200.00} ). He indicated I should have paid a payment for XXXX of {$1200.00} and, if that amount wasn't correct, I should try to get my overage back later. And, that my XXXX payment ( {$1100.00} ) wound up sitting in an undirected status until my XXXX payment was received ( {$1100.00} ), then they were added together ( {$2200.00} ), {$1200.00} was taken out for XXXX, and the remainder ( {$1000.00} ) sat unused and XXXX 's payment not made. After not being a satisfied by him, I asked to escalate further. He asked that I give him a day to try and straighten it out. I received a call back from him 2 days later. He said I should make a payment then of {$60.00} and new pay. beginning XXXX XXXX would be {$1100.00}. Then I get an email showing a late fee ( XXXX ), later a state. showing {$1300.00} due XXXX, finally a letter saying I'm in default and threatening foreclosure. I need help. I thought we straightened this out, but apparently 1 dept. doesn't know what another is doing.
Product: Credit card or prepaid card

Hello, I was issued a XXXX XXXX XXXX  credit card in XXXX of 2021. After never receiving a physical card, I called XXXX XXXX times asking to resend my card, each time I called they told me they would send another XXXX and never once mentioned there was an issue verifying my identity. They then cancelled my card, without notifying me, and closed my account- greatly affecting my credit score. I am a XXXX XXXX XXXX college student and I have worked very hard to get my XXXX XXXX very high- I had it at almost a XXXX. It has since dropped significantly. AMEX admitted fault, and told me that they would love to give me another card and open a new account. Others told me that they would Re-Open the card so it doesnt affect my credit, but then they hang up on me. I now have a {$1200.00} bill they want me to pay after they dropped my credit score by closing my account and admitting fault. I would like to re-open the closed account so that I can pay off my credit card with them and not have my credit score be affected by XXXX XXXX negligence. I hope you can help! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting an inaccurate address that does not belong to me. I have already called and wrote letters requesting this to be removed. Please remove this address that I have no association with. 
XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX negative accounts remaining on my credit report from XXXXXXXX XXXX from XXXX years ago as a result of identity theft and fraud by a former business partner. I have disputed several times and they refuse to remove. Statute states that after XXXX  years they can no longer be shown on credit report. I am sincerely asking that these accounts be removed from my credit report as I have worked so hard to start fresh and improve my overall credit and they continue to try and keep me down. I also have police reports and court documents that explain I am not responsible for these accounts which I have submitted several times but they do not honor. Every other bank has honored them.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed that I had some late payments reporting to my account with XXXX XXXX XXXX. The late reporting payment dates are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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

I am a XXXX  XXXX Veteran with a VA mortgage with XXXX XXXX. We have never been late or missed a mortgage payment. On XX/XX/XXXX, my families home was completely destroyed in a fire, unrelated to a Federal Declaration. Upon inspection we were informed that the home would take upwards of a year to be rebuilt and due to misinformation given by XXXX  insurance department we found out that we lacked homeowners insurance and are responsible for paying for the rebuild out of pocket. We immediately contacted XXXX  and requested information on assistance or options to avoid losing our home and were directed to apply to loss mitigation. We submitted the application and documentation due to the extreme hardship and additional costs related to rebuilding our home, paying for temporary housing in the interim and replacing everything in the interim. We were approved for a special forbearance plan effective XX/XX/XXXX that suspended all payments for 7 months and were directed that if more time were needed to submit a letter with the request. Prior to and after the approval we were asking XXXX  staff how the loan would be reported if we were approved for a loss mitigation plan and were told that XXXX  would report that we were in a payment plan due to a disaster, but once the plan was in place XXXX  has only been reporting that we are in default and not that there is a approved payment plan in place and agreed to due to the disaster we experienced. As its being reported presently, it looks as if we are simple not paying our mortgage.

Ive contacted XXXX  multiple times since XX/XX/XXXX to discuss how they are reporting to the bureaus, requested that they amend and/or correct the information and Im not getting answers or responses to my requests and questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 SECTION 602 A. States I have a right to privacy.

( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates.

15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to delete the 90 day late payments. They claim they sent me information stating my loans were due. I was in school at the time and it was less than half time. One of the supervisors stated that I responded in XX/XX/XXXX, her name was XXXX. They are adamant about I received the notices, but I have pointed out several mistake in their system. Mistake one is, after being approved for the loans to be discharged due to my total and permanent XXXX, they reported to the credit bureaus the loans were active and I owed the loans. This caused my credit score to drop XXXX points. They changed the balance to XXXX, but it states the loans are transferred and not paid in full. They also stated they have sent in the corrections twice, but the ; last entry on my credit report is from XX/XX/XXXX. This is a prime example of their system is broken. If the credit bureaus did not receive the information they claim they sent, how are they so sure I received the information in XX/XX/XXXX about payments. If I would have received the payment request I would have placed them in deferment like I did in XX/XX/XXXX,
Product: Mortgage

My mortgage servicer- Rushmore Loan Management Services sent me a letter advising me that the load was being sold to XXXX XXXX XXXX XX/XX/2022. The letter gave a number to reach XXXX of XXXX but this number is wrong. I looked up XXXX and found that the number should have been XXXX. When I called XXXX they have no record of my loan using my loan number, ss number and street address. I then called Rushmore and they stated they gave the wrong number on the letter and that they will not accept any more payments on my mortgage as of XX/XX/2022. This will leave my mortgage in limbo since XXXX does not show any loan for me with them and my auto debit to Rushmore will not be accepted. How is this day of electronic business is this allowed to happen?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction or removal of the erroneous information about my account has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below is the item that still reporting on my account : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information with third-party people. 

XXXX XXXX XXXX is NOT me. This person used my address. Again, XXXX XXXX XXXX is NOT me. 

There are clear violations of my federally protected consumer rights.
Product: Debt collection

Re : Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, TX XXXX Hello, Regarding the case above. The court filed a judgment against me even though I sent proof that I had covid and couldn't attend. Then after my phone call to the court to ask why I had a judgement ; they gave me a 20-day deadline to file an appeal for over {$4000.00} when the debt is {$2000.00}. 
Cavalry SPV I LLC has put a garnishment on my bank account without sending me any court documents. 
I am unemployed and I have a XXXX XXXX XXXX dependent ( my daughter ). I have only {$280.00} in my account but they garnished my account for {$3000.00} leaving me no access to funds to feed my family or even buy gas to look for work. 
I am now {$2800.00} in debt with the bank and my pre-arranged direct debit transactions are going to be rejected leaving me with multiple {$40.00} insufficient funds charges. 
My current situation can be directly attributed to not being giving a continuation due to health reasons. 
I will appreciate if you can intervene and have Cavalry follow the law and release this illegal garnishment. 

Sincerely XXXX XXXX XXXX ( Phone will be disconnected soon for lack of payment since I have no money in my account to pay )
Product: Debt collection

Still in credit report i want file disputes credit this debt not my this not my fault
Product: Credit reporting or other personal consumer reports

After conducting a thorough investigation on my credit report, I was dismayed to discover unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported correctly. This has caused severe distress and emotional turmoil.

In accordance with the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report be reported with 100 % accuracy. However, the accounts in question are in violation of FCRA regulations, specifically under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting.

I have attached copies of all correspondence sent regarding this matter for your reference and further investigation. I urge your agency to rectify these errors promptly and ensure that my credit report reflects accurate and verified information as mandated by law.
Product: Mortgage

I have been trying to get Nationstar Mortgage to return insurance claim proceeds for 7 weeks, and they keep delaying and abusively putting me off. I have repeatedly called and requested a status, and am told it is in review and that they will get back to me in 5 business days. After getting this same answer several times I have requested to talk to a supervisor, and the customer service representative said they would have a supervisor call me back in 48 hours. I have not received any of those promised callbacks. 
The company is currently holding {$99000.00} of my funds that I received from XXXX XXXX XXXX as the result of a lawsuit settlement. They received these funds on XX/XX/XXXX. 
I had already passed my " final inspection '' by Nationstar Mortgage on XX/XX/XXXX that qualified me for release of all funds. There is no reason for them to be holding my funds but they refuse to release them. Twice they requested additional information : 1. On XX/XX/XXXX they requested an updated Adjuster 's Worksheet. I explained that they already had it, but to avoid any delay, I went ahead and resubmitted the document to them. They received the document on XX/XX/XXXX. 
2. After much back-and-forth, they then said I needed to submit a copy of the legal documents from the lawsuit. They had no reason to ask for these documents and had no right to them since I had already passed " final inspection '' but I sent the documents anyway. They received these documents on XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX I received an account on my credit report that does not belong to me, with the name AMSHERCOLLECTIONSERVICES and a charge of {$1400.00}. The account was opened 2 months ago, and I have never opened an account in that time period. The lender name is XXXX XXXX XXXX, I do not recognize anything on tmobile linked to my name anymore. I contacted them and I do not have anything in my name with the company. I also noticed a lack of information about the account, all the details provided in the credit report say not provided or not reported. In other words, this account does not belong to me, I am sure there was some error.
Product: Debt collection

I continue to get calls from a company called ASI that claims I had a debt with a company called XXXX. The phone number I have for them is XXXX. I do not recall ever doing business with a company called XXXX. Additionally, I do not, to the best of my knowledge, have any past due debt with any company.

Before proceeding with the several of the calls, I indicated that I will not provide them information on myself, nor will I discuss any debt, until they send me written confirmation of the debt so I can validate this is authentic. I have instructed them to send the documentation to the address they have on file for the debt, since I will not provide them any information on myself since I believe this is fraudulent.

The company refuses to send me any documentation and continues to call me 1 - 3 times per day. This has been ongoing for approximately 4 months.
Product: Money transfer, virtual currency, or money service

Coinbase, a US publicly traded company put out information that they would support a snapshot based on XRP in XXXX of 2020. In this disclosure they didnt specify that it wouldnt only support the airdrop of $ XXXX, they merely claimed to support the snapshot. Later the company behind $ XXXX released a test token called $ XXXX based on the snapshot Coinbase claimed to support ; however no one has received these $ XXXX tokens from them. They have held them hostage and refuse to understand that their public disclosure indicates they supported the snapshot and therefor tokens distributed based on this snapshot https : //help.coinbase.com/en/coinbase/trading-and-funding/cryptocurrency-trading-pairs/Spark
Product: Mortgage

Recently my loan payments increased because of an increased need in my escrow account. I am retired and tightly budgeted so an increase of $ XXXX/month is impossible ( partial payments are not accepted ). I learned the reason is an increase in homeowners insurance and taxes. I have explained this to Chase but they say that their hands are tied. I have had to wait to pay each month until my Soc Sec check arrives which makes my payment late. I am appealing the taxes and I have changed insurance companies. Recently I caught up but I still receive telephone calls from Chase Mortgage even when my mortgage payment is not late ( before the XXXX of the month ). They insist knowing the date when I will pay, and they say the calls will stop if I tell them the date when I will pay. I consider this harassment.
Product: Credit reporting, credit repair services, 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 Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}
Product: Credit card or prepaid card

On XX/XX/2023 a payment posted to my bank account for XXXX dollars to Capital one credit card that I didn't not authorize. I contacted Capital One for a refund and to address this unauthorized payment and they refused to refund me and stated that I made this payment online myself ( which I did not ). I am not set up with autopay. I had to close my account because they refuse to rectify this issue and continued to say that I was the one who made the online payment, even though I repeatedly told them I did not. This is theft!
Product: Credit reporting or other personal consumer reports

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent XXXX the information about Mariner Finance removed info from my credit report and re entered it a week later to cause my score to drop. Mariner took over from XXXX XXXX. I have court documents that says that I defaulted on XXXX on XX/XX/year>. So, when it was originally removed it should have been removed permanently. XXXX did not investigate my case.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XXXX OF FIRST CHARGE-OFF Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX : [ XXXX XXXX XXXX ) [ XXXX ] Equifax : [ XXXX XXXX XXXX ] [ XXXX ) XXXX : ( XXXX XXXX XXXX ] ( XXXX )
Product: Debt collection

I was charged an extra month through XXXX Internet back in XX/XX/year> and was never given a bill or information about delinquent payments after I canceled my account. Instead of reaching out, they deferred the bill to collections. After disputing with several other agencies, the that speaker removed. Now IC System never communicated with me. I only discovered when my credit plummeted attempts to reach out to speed. These charges were met with no response. Two out of three credit bureaus have removed the collections from their credit reports.
Product: Checking or savings account

I had a joint checking and savings account with my wife. We thought that our accounts were compromised and on Friday XX/XX/XXXX, I closed the accounts and opened new ones. My wife was not with me and I was not allowed to add her to the account. Later that afternoon, my wife received an email alert with MY balance. She received another on on Saturday, Sunday and Monday. She is not on the accounts and she is receiving daily balance updates. Schools first says that it takes time for this to stop and won't fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( Loan Officer at XXXX XXXX ) did not get our consent to pulled the Credit. When my husband and I received a notification from our Credit Bureau on the XX/XX/XXXX. We thought our identity were stolen. We called XXXX XXXX XXXX immediately to find out what was going on. The representative from XXXX informed us that the pulled was from a Mortgage Company Named Academy. I remember XXXX XXXX, ( The Loan Officer ) mentioned to us they were moving to a different bank on XX/XX/XXXX. I called XXXX XXXX immediately and asked her why she pulled our Credit with out our consent. She then told us it was after hours for us to give her a call back in the morning. I called XXXX back the next day XX/XX/XXXX. She told me she thought I knew what she meant when she said she 's moving our file to Academy. As I was talking to her and trying to get a clear understand of why she pulled our credit without sending us any disclosures or what Academy Corp is about. She hung up on me. after 15 minutes later I received an email from her requesting us to accept E-consent. I also attached a screenshot of her email, alone with the call history and the Hard Inquiry from our CB.
Product: Debt collection

My information doesn't match what creditor is showing online. I don't recognize charge.

15 usc 1681s-2B