23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Mortgage

I have been trying to end my COVID-19 Forbearance and have my missed payments deferred and loan brought current since XX/XX/XXXX. First with the previous servicer and now with my current servicer as the account was service transferred XXXX XXXX. I called Gregory funding numerous times to get the status and to confirm I am seeking the end of the program and need the deferral completed. Turns out they had me waiting for months in a back log to reapply for a new Forbearance when I could not have been more clear in all my calls. I finally speak to XXXX in their loss mitigation department who confirms they were waiting on a questionnaire from me to submit for forbearance. I explain again I am not waiting for a new or extension to be done. He says he will submit that now but will take 2 months. I asked for this to be expedited due to their error in having me already wait several months for the wrong thing. This needs to be completed now. Also, after being told I was in protection for all this time I am now being charged late fees for XX/XX/XXXX and XX/XX/XXXX. I am suffering financial impact due to this events and demand satisfaction.
Product: Debt collection

XXXX XXXX and XXXX XXXX XXXX reported individual credit card debts on my credit report for seven years. In 2014, they sold each of my accounts to LVNV Funding , LLC and they began reporting on this debt. Is this allowable. I read that a debt has a life expectancy of XXXX years, however this debt has been reported on my report for nearly 10. Furthermore, I 've disputed the debts individually through the credit reporting agencies and I never receive any correspondence, yet the debt remains. Please assist me.
Product: Credit reporting or other personal consumer reports

I recently uploaded a copy of my FTC report, license and proof that my information has been exposed in the latest XXXX data breach as well as the breach of XXXX XXXX. The proof shows that my info was breached during XXXX and XXXX. I have been disputing some of these items since before XXXX and they still remain. When they were not removed based on me being a victim of identity theft, I tried to attack the huge inaccuracies and inconsistencies but XXXX, Transunion, and XXXX still keep verifying the debts without sending me any verification as requested and the items remain on my credit report. I Just did a cfpb complaint and disputes pursuant to 605b and its been well beyond 4 business days and the items remain and the credit reporting agencies are refusing to remove these items from my credit score and everyone is saying that they will reinvestigate again and again when nothing is being removed and not only have I provided proof of inaccurate and inconsistent information but proof that my information was breached as well.
Product: Mortgage

My mortgage company is over collecting for my escrow account. This began when my XXXX property taxes were higher than projected by my mortgage company. They made an adjustment to my XXXX  monthly payment to recover the escrow shortage. 

I protested the XXXX appraised value with the local appraisal district. The appraisal district ( XXXX XXXX XXXX XXXX ) agreed with my protest, and reduced my appraised value accordingly from {$410000.00} ( XXXX ) to {$370000.00} ( XXXX ). This has resulted is a significant decrease to my XXXX property tax bill. 

Earlier this month, XX/XX/XXXX, the taxing authorities published their XXXX tax rates. XXXX published my XXXX tax bill. I shared my tax bill with my mortgage company and asked them repeatedly to update my escrow collection to reflect the change to property taxes. I have shared the published tax bills with their escrow department. After several requests, they have finally updated my escrow projection, but it is still not the correct dollar amount for taxes. 

This over collection is causing significant financial hardship for my family. I just want my escrow account to reflect my actual taxes due. 

XXXX County Taxes ( actual ) : {$5100.00} XXXX School Taxes ( actual ) : {$5800.00} XXXX County Taxes ( actual ) : {$3500.00} XXXX School Taxes ( actual ) : {$3600.00} XXXX Total Taxes ( actual ) : {$7100.00} XXXX Total Taxes ( projected by mortgage company ) : {$9300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update and correct the following in my file. Thank you. 
XXXX 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: Debt collection

I have been calling Resolve Partners for 4 months now have left messages trying to settle my debt with this company. I called XXXX XXXX and finally got someone on the phone they stated that I would have to call back. Monday that the payment department would be open Monday at XXXX I called the XXXX XXXX and got no answer. So I left voice message as Ive done for the past 4 months and still haven't got a returned phone call. Also called the XXXX and its going to XXXX voicemail which is stating it is full to where you can no longer leave a message.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX XXXX  OF CHARGE OFF ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am deeply concerned and unsettled by the presence of public records on my credit report, especially considering that I have no knowledge or involvement with them. I implore you to take immediate action to remove these records and update my credit report accordingly. This situation is causing me significant distress, and I kindly request your prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to ECMC because XXXX stated they verified this Acct. as accurate. I spoke with XXXX XXXX, XXXX and I asked her why are these Acct 's still reporting Negatively/derogatory. My recent report showed it was in Collections, but the Cares Act has placed ALL Student Loans on Pause. No Collections of any kind, no Negative Reporting until XX/XX/XXXX. I asked the XXXX what was the first date of Delinquency and she replied XX/XX/XXXX, and stated that this was Acct. was SOLD & Repurchased again back in XX/XX/XXXX. So the original date placed with them was incorrect. I was never informed that this Acct was Bought and Sold. I asked her how was this possible. She informed me that I can Start a repayment plan now or wait until after the Cares Act expires. XXXX XXXX XXXX have removed this Acct. from my Credit File, and I am Demanding that ECMC Remove this negative reporting from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX and XX/XX/XXXX multiple letters were sent in to Trans Union, XXXX and XXXX disputing the inaccurate bankruptcy that was obtained through a third party and or Pacer by violating my consumer rights under the FCRA U.S. 1681g and They also have gone against the Public Records Acts Violations and Privacy Act of 1974! also XXXX XXXX in whom they received information from and they have sent me a letter of full deletion from my file. But when I sent the letter into Trans Union they continue to tell me it's been verified and refuse to remove. How is that possible when the Bankruptcy court doesn't give out this information and the person XXXX XXXX that furnish them with the information removed in inaccurate and unauthorized data from their file. It seems unfair to continue to keep inaccurate information on my credit report. XXXX XXXX was reporting wrong filing date on all 3 bureaus, inaccurate court name and location, inaccurate bankruptcy number. It's just all wrong and I feel violated by the credit system and something should be done about this company expeditiously!
Product: Mortgage

I have a home mortgage serviced by Homepoint Financial. Every year they ask for proof of insurance even though they get a copy of it from XXXX XXXX. They are slow and inefficient and every year the harassment from them is a royal pain. Eventually they get the proof and then the issue is dropped for another 12 months. To be clear the property has never been without insurance from my XXXX XXXX, it has never lapsed. This year there was an added twist, they did not like how the insurance was titled, same title that the property has had since the loan was closed. It took me four months to get that resolved -- while that was going on, they placed forced insurance in place and an insurance escrow with a catch-up fee. I was able to get the forced coverage waived but with the new escrow and " catch up '' payment the monthly payment went from {$290.00} to over {$800.00}. When I called the first time the person, I spoke with said the payment should be adjusted to {$290.00} soon and not to make the payment and the late fee would be waived. Now it is the XXXX, the catch-up payment was finally eliminated but the escrow has not and now they want to charge the late fee. I still should not have to pay an escrow since the payment to XXXX XXXX has been made so now I have to come out of pocket for an insurance payment ( that is double what my insurance costs currently ). To date and after three more calls and one e-mail to them they still have not made the adjustment to get my payment to {$290.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report from XXXX and XXXX XXXX. I have disputed it with Equifax on several different occasions. I've also contacted the XXXX and XXXX XXXX, I informed them that I did not authorize them to check my credit and I did not apply for any type of credit with them. I have sent letters & called several disputing this with Equifax. XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 was last dispute. Equifax keep telling me the Information was verified and it is factual data. I spoke with a rep from XXXX, who stated he sent 2 requests to Equifax to delete the inquiry. After informing the Equifax rep about the conversation I had with XXXX, the Equifax rep continues to state they will not remove the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request for an account on my report that does not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and  fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Mortgage

I filled bankruptcy in XXXX of XXXX. 

My mortgage pymts are {$2000.00} my trustee pymts are {$580.00}. 

XXXX of XXXX my car went into the shop and I had to pay XXXX to get it fixed which I got behind on my mortgage pymts. 

I receive notification from my mortgage company wanting the courts to remove the automatic stay to proceed with foreclosure on my home. Which Ive been paying every month with the exception of being short $ XXXX. 

My Bk attorney sent me the payment arrangements they are wanting me to pay to catch up my mortgage which included their attorney fees. Which brings it to XXXX and they are wanting me to pay {$870.00} additional to my already {$2000.00} mortgage payment and {$580.00} Bk pymt for 12 months. I told them I can afford {$500.00} amonth along with my income tax for 18months. 

They are threatening foreclosure. Ive been paying my full mortgage on time since XXXX. 

I dont want to loose my house and its not like I just totally stop paying.
Product: Credit reporting or other personal consumer reports

Disputed numerous times with request of what was used to verify accounts. Accounts returned accurate even with documents of proof provided.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/XXXX ]. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Detailed Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Mortgage

Good morning, We're writing to you, in the hopes that you will assist us with our negotiations, with US Bank. My nephew and I have owned our home for just over 4 years now and, last year, I was placed on XXXX XXXX and my nephew lost his job. 

Unfortunately, we fell behind on our payments and, although our hardship has been resolved, US Bank has been delaying the approval process on our loan modification, for more than a month. 

We began this process onXX/XX/XXXX and in that time frame, we've been repeatedly misdirected, misguided, and flat out lied to. The representatives that we are working with are giving us information, one bit at a time - this is delaying the process and causing extreme stress for both my nephew and I. 

We have more than enough income to support making our mortgage payments and simply want to put this matter behind us. U.s. Bank claims that our file has been in Active Review, with Underwriting, since XX/XX/XXXX. This decision should have come weeks ago, per the individuals that we've spoken to. Please assist us with this situation. 

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

There are inaccurate information reporting on my credit file : Incorrect Personal Information : Name : XXXX XXXX XXXXXXXX ( XXXX  ) Name : XXXX XXXX XXXX ( XXXX  ) Name : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX  XXXX XXXX ( XXXX  & Equifax ) ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX   ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax ) Fraud or Identity Theft Items : XXXX XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$10000.00} ( XXXX  ) XXXX XXXX XXXX - XXXX - Date Open : XX/XX/XXXX ; Bal : {$290.00} ( XXXX  )
Product: Credit card or prepaid card

On XXXX XX/XX/XXXX, I purchased XXXX NetSpend prepaid cards at a XXXX XXXX and paid for them at checkout, as well as pre-loading {$40.00} on each one ( totaling {$240.00} ). 

I did not understand that they are not gift cards, that they have fees I consider unreasonable, and that they would require identity verification before the recipient could use them. When I got home, I discovered these problems, and decided not to give them as gifts and just return them and get my money back. However, XXXX XXXX not accept the return, saying they could not get the pre-loaded money back. 

On XXXX XX/XX/XXXX, I called XXXX to ask if I could return the cards. They said I could not because they can not get the pre-loaded money back. 

I proceeded to try to activate the cards through netspend.com/activate, as printed on the sticker on the card. I was able to activate XXXX card, and the {$40.00} showed up in my account. However, I could not activate the remaining XXXX cards, or otherwise transfer the funds I had preloaded on those cards to my account. 

I then called NetSpend support and explained that I was trying to get my money back on these XXXX cards. The phone call lasted XXXX minutes and ended with instructions to activate the cards through their website, which I had already tried and still wasn't working. 

On XXXX XX/XX/XXXX, I again contacted NetSpend through their Secure Email function on NetSpend 's website while signed into my account, explaining the situation, and asking for the funds to be returned. I again was provided with instructions that did not help. I replied explaining that the provided instructions did not resolve the issue, and NetSpend offered no solution, simply telling me that for security reasons, I would have to call in to resolve the issue. 

NetSpend is denying me access to the funds I pre-loaded, and I want my funds returned. I do not want the cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

ChexSystems website continually gives me an error message when I try to access my report. Their customer service phone portal did not work, either.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion regarding inaccurate information on my credit report. TransUnion is currently reporting an account from XXXX XXXX with an incorrect status, which is negatively affecting my credit standing. 
The account in question is listed under the following details : Creditor : XXXX XXXX Account Number : XXXX Current Status : Charged off as bad debt Issue : The account is marked as charged off, yet it still reflects a past-due balance of {$240.00}. A charged-off account should not display a past-due amount, as it has already been written off by the creditor. This inconsistency is both incorrect and misleading.
Product: Credit reporting or other personal consumer reports

I dispute collection account in my credit im process to buy a home this account stop my lender gim me my home loan experian refuse remove thisXX/XX/XXXXacct from my credit i send a XXXX letter confirm i paid in full screenshot my account show the account is XXXX balance or paid in full experian continued refuse remove from my account XX/XX/XXXX send thats info to experian no listen
Product: Credit reporting or other personal consumer reports

My information was marketed and sold to unknown individuals or entities during XXXX data breach. I was in confinement in XXXX from XXXX XXXX to XXXX XXXX. I have not applied for anything but 1 card since my release and there are several cards and items reporting on my credit.Several items on my credit report were fraudulently obtained by another person and I am attaching proof that XXXX acknowledges that I was a victim of their data breach. I have disputed items several times and XXXX has done nothing to help me. Please assist in deleting these negatives, inquiries and illegal items from my credit report please. I will attach the proof that XXXX has admitted that I was a victim of this data breach bye allowing me to submit a claim during there recent lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a NEW complaint - after the " resolution '' of the FIRST complaint! Please do not list this as a DUPLICATE complaint, this company is unethically practicing! 

Westlake Financial AGREED to change my charge off to a paid/close remark on my account ( see attached letter ) and changed it on my credit file. Three days later, they changed it BACK to a charge off. When I called Westlake yesterday, they told me that it was NOT their problem the issue I was having with my credit file and they did what I asked them to do, if even temporarily. The account is also reporting as 30 day past due in addition to being a charge off - all reported on XX/XX/XXXX 

I paid this item in full through my insurance company and my GAP insurance, I kept Westlake in the loop about any delays. I fully BELIEVE they received TWO payments on my vehicle - ONE FROM MY INSURANCE AND ANOTHER FROM THEIR INSURANCE COMPANY - complete fraud and unethical behavior.
Product: Credit reporting 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00}.