23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been working with XXXX XXXX XXXX ( XXXX ) and XXXX to resolve an escrow amount that was not properly applied to my account. My loan servicing changed in XX/XX/2018. At that time, my previous provider ( XXXX ) had sent a payment to XXXX County for my property taxes in the amount of {$3100.00}. The amount was returned to XXXX from the county as no payment was due. When XXXX received the check, they forwarded the payment to XXXX but XXXX never applied the credit to my escrow account. I received a notice from XXXX that my escrow account was negative and that I owed more money in XXXX. I then called to inquire about where the {$3100.00} was and why it hadnt been applied to my account. I spoke with 2 different agents on separate occasions and neither followed up on the  payment. On XX/XX/2018, I finally forced a conference call between the 2 companies. At that time, both companies agreed that the funds were never transferred from XXXX  to XXXX and that XXXX would need to reimburse me for the escrow shortage. I then began to work with different agents from XXXX to try to get resolution and payment. I spoke with the company on XX/XX/XXXX and XX/XX/XXXX to try to get the payment refunded to me and neither time did the customer service representative follow through. In XXXX I called a third time and reached XXXX XXXX with XXXX. After 3 days of calling the company, XXXX informed me that XXXX did in fact receive payment and negotiated the check ( XXXX ) for {$84000.00} on XX/XX/XXXX. This check was sent to XXXX and the funds were for multiple clients accounts. She would not provide me with a copy of the cleared check as it contained other customer information. I then called XXXX to track down the item and spoke with XXXX, ( agent XXXX ) who told me that she would need to research the item and that the process could take until XXXX to refund the money. I feel as though these companies are not following through and taking care of their clients when they owe them thousands of dollars. I have since closed my escrow account so all of the funds are due to me at this point. 

XXXX, a ServiceLink company, Nationwide Mortgage Licensing System (  NMLS # XXXX ) XXXX XXXX XXXX  : NMLS ID XXXX XXXX XXXX XXXX XXXX : NMLS ID Main Office XXXX ; NMLS ID Branch XXXX
Product: Debt collection

they failed to validate and delete the inaccurate information on my credit report after months of disputing the inaccurate information
Product: Credit reporting or other personal consumer reports

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

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights as a consumer. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I am experiencing an issue with Loan Servicing Company Seterus as they changed incorrectly WITHOUT MY AUTHORIZATION and knowledge my Principal and Interest mortgage payment of {$2300.00}. 

Additionally Seterus Inc. payed the last 3 months of my Home Insurance by sending a check for {$530.00} to XXXX. As stated in my previous complaints as well as my loan documents ALL INSURANCE AND TAXES are paid separate and that no escrow account should be opened. Once again Seterus has disregarded the loan agreement and paid the remaining balance of my home insurance. As you will see in the attached statement from XXXX I have paid on a monthly basis all applicable insurance bills ON TIME. XXXX has agreed to send the check back to Seterus Inc . This issue has caused unnecessary hardship and time. I will ask once again that Seterus close my escrow account that should never nave been opened and send back a refund check at the close of 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act this account, Forever 21, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account within my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I filed Chapter XXXX Bankruptcy. At that time, I had a XXXX XXXX XXXX credit card XXXX that was issued on XX/XX/XXXX. After I filed bankruptcy, XXXX XXXX XXXX showed the account delinquent in XX/XX/XXXX. See attached exhibit showing XX/XX/XXXX date of first delinquency. 

XXXX XXXX XXXX then closed the account and re-issued the card with a new account number XXXX separating that account from the Chapter XXXX petition. Then, since they were not receiving payments from the bankruptcy trustee, they showed the account delinquent in XX/XX/XXXX. 

These two card numbers are the same account and therefore both should should show a XX/XX/XXXX date of first delinquency, which will be removed from my credit report on XX/XX/XXXX. 

I disputed this information with Equifax, but the dispute results stated " consumer dispute not specific '' even though I checked the box that designated an error on the date of first delinquency and provided a detailed statement to the credit bureau.
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 may have for this request. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX and exquifax are reporting wrong information on my credit report. the Information is as follows : incorrect phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect addresses 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 contacted XXXX and Equifax about a XXXX  XXXX bankruptcy on my credit file. They told me that the got this information from XXXX XXXX and that I need to contact them directly if I felt the information was incorrect. After reaching out to XXXXXXXX XXXX they did a investigation and the result of the investigation is they decide to remove this bankruptcy of my report. After receiving the letter from XXXXXXXX XXXX I forwarded it to XXXX and Equifax and to my surprise they refuse to update my credit file and remove this inaccurate information off my credit file. They put this bankruptcy on my credit file base on XXXX XXXX report but wont take it off base on there report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act XXXX  accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have failed to supply me complete account numbers, has said to unto violated my rights. 15 u.s.c.1681 section A. states i have the right to privacy, 15 u.s.c. 1681 section 604 B states an consumer reporting agency can not furnish account without my writen insrtuctions
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX with the number XXXX isnt right on my credit report. Its showing a rating of XXXX, but that cant be true! You say it was opened on XXXX with a date of last activity as XXXX, but this info is incorrect. I want it deleted now! You also claimed it was last verified on XXXX. Under 15 U.S.C. 1681i, I have the right to know how you checked this. Please share that info with me. Plus, show me proof of the {$380.00}, since I know I dont owe this. By the way, Bryant v. TRW , Inc., 689 F.2d 72 ( 6th Cir. 1982 ) said wrong stuff needs to be removed. Please take care of this. 
Also, see the image above for XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I attempted to pull my Equifax credit report but was unsuccessful. I can log into Equifax but there is an error message stating, " Your Equifax credit report summary is currently unavailable. Please call our Customer Care team at ( XXXX ) XXXX or try again later. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently became aware of a credit card with   XXXX   XXXX    that was opened in my name by my sister and her husband. The account is past due and affecting  credit score  because both my sister and her husband were   XXXX   in an   XXXX   XXXX   so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the   XXXX   XXXX   of my sister which I faxed to them. After  2  weeks never heard back from them and called them again to get the status and was put on hold for over  30  minutes and when the rep returned she simply told me that the account had been closed and when I asked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a senior citizen and I have steered clear of opening credit account for the last 10 years So each of the outdated adverse accounts are a hindering from enjoying my golden years. 

XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX XXXX Past 7 XXXX XXXX Past 7
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Informative XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX received an alert that my credit score dropped by 17 points for no specific reason given. I had just paid off a car loan and it was reported as paid in full/good standing. I had very low credit usage at the time, my score should have not decreased, should have possibly increased actually due to my over 800 score and having no negative items on my report. I called that day and spoke to a representative she could not find any reason that it should have decreased so she told me she would forward this issue to another department for further investigation and that someone would be calling me back with more details. I never received a call back. XX/XX/XXXX I received another alert that my score was decreased by 12 points, for no specific reason. I called again and the representative said there was nothing she could do, they did not have that kind of information and I would have to contact my financial advisor/bank for more help on the issue. I called my bank and they told me there was nothing they could offer me ( as I suspected ) since this was not an issue having anything to do with the bank or my credit cards with them. All she could do was suggest contacting the credit reporting agency, which I explained I had already done with no luck. I called the credit agency back again and explained what they told me and was told they would forward this to another department and they would contact me back, the same thing I was told the very first time this happened. I never received a call back once again. Whenever I used to receive alerts there was always an explanation along with why something was changing. I was told by credit reporting agency that they no longer do that. I want to know why the decreases happened since I have been very dedicated to keeping my score up as high as possible and there has been no negative things that should have done this to my score. I have excellent credit and I think it is very unfair and wrong that my score took a hit for a total of 29 point decrease for absolutely no reason. I would like an explanation and correction to my report.
Product: Debt collection

COLUMBIA DEBT RECOVER LLC DBA GENESIS contacted me about an account that I never own charging me the amount of {$2400.00} from an ORIGINAL CREDITOR named XXXX XXXX, I disputed the account placed on my credit on XX/XX/XXXX of this year XXXX and the collection company is asking me for a series of documents including this complaint and now I'm getting the documents to sent everything to them. 
its important to add to this complaint that I have been living in XXXX since XXXX and I was living in XXXX before
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last few months, I have disputed a fraudulent account on my credit report in the name of XXXXXXXX XXXX. I have never opened any type of account with XXXX XXXX nor did I ever authorize the opening of such account or any transactions afflilfated with that account. Each time I have disputed this account, I have not received any correspondence from XXXX XXXX and the both XXXX and Experian have come back and validated the account with providing me all the required documentation and evidence I requested in order to property and legally validate the debt under my name and social security number. This account violates the Fair Credit Reporting Act by reporting a fraudulent account without my consent, knowledge, or authorization to my consumer credit reports. XXXXXXXX XXXX  has not sent me original contract with my wet-ink signature, all the statements with transaction history. the method of account opening, or any other evidence to validate this debt. This account does not belong to me as I have been a victim of identity theft which I have stated to all the credit reporting agencies so that they know the exact context of my dispute. Its been several disputes that have came back verified and it says they are meeting FCRA requirements, however each time I dispute they change the reporting on my credit reports. One month they change the statement, then the amount due, then they say its a charge off. Then it says profit and loss write off. They are simply executing delay tactics and blatantly violating FCRA rules and regulations. This account needs to be investigated thoroughly and my identity theft dispute taken seriously. I will not back down from these violations and obvious manipulation of the credit laws put in place to protect consumers like me that have been wronged and the company mishandling both the reporting of a fraudulent account and the improper investigations being conducted.
Product: Debt collection

Received XXXX  medical service at XXXX XXXX XXXX XXXX on XX/XX/. I was never provided any pricing information. I never received a bill. The hospital never submitted the bill to my insurance. No contact was made prior to a notice from Revco Solutions that I owed {$7400.00}. I have sent two letters demanding proof of debt and evidence to substantiate the debt including original bills from the hospital to me and my insurance carrier. No information has been provided.
Product: Money transfer, virtual currency, or money service

When XXXX XXXX closed my account ( account # ending with XXXX ) in XX/XX/XXXX, they decided to return the overpayment amount of my credit card of {$1200.00} electronically back to CheckFree Pay/Fiserv instead of sending me a refund check on XX/XX/XXXX. CheckFree Pay/Fiserv advised XXXX XXXX that I would be required to return to the location where I originally made the overpayment ( XXXX ) in XX/XX/XXXX to collect my refund and provided the trace number XXXX. But when I went back to the original payment location ( XXXX ) to collect my refund, none of the XXXX representative ( including the manager ) recognized the trace number and told me to contact CheckFree Pay/Fiserv. On XX/XX/XXXX, I then contacted CheckFree Pay/Fiserv External Customer Service Department at XXXX to address this issue and even confirmed with XXXX Customer Service Department about the refund of {$1200.00} as per CheckFree Pay/Fiserv protocol. On XX/XX/XXXX, I followed up with CheckFree Pay/Fiserv and escalated this issue to their Internal Department ( ticket # XXXX ). On XX/XX/XXXX, I followed up again with CheckFree Pay Customer Service Manager and was told that they still have no resolution as they were unable to locate my refund. On XX/XX/XXXX, I followed up again with CheckFree Pay/Fiserv Customer Service Manager and was told the same thing. I even tried to contact XXXX XXXX Solutions Department representative ( XXXX ) but he never returned my calls. It has been over 3 months since XXXX refunded my overpayment of {$1200.00} and neither XXXX nor CheckFree Pay/Fiserv can locate my money and that is why Im filing this complaint. Essentially, my money is now caught in a limbo between XXXX who claimed that they already refunded my money to CheckFree Pay/Fiserv but provided a bogus trace number that neither CheckFree Pay/Fiserv nor XXXX ( payment agent ) can recognize and CheckFree Pay/Fiserv who is unable to locate my refund in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information needs to be corrected on my credit report : My name and address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ozark, MO XXXX My previous address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX The following name should be deleted : XXXX XXXX And the following previous address should be deleted : XXXX XXXX XXXX. 
XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISIONor https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.