23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This complaint is to inform you of the inaccurate & incomplete accounts that are being reported on my credit report. My name is XXXX XXXX XXXX and this is not a third party filing this complaint. Please see attached documentation and delete those accounts for they are inaccurate & incomplete. Thank you
Product: Mortgage

I entered into a loan modification with ocwen and was on time every month and was never late. Even before that was only 30 days behind. Was told 3 months and it turned into XXXX. Finally they sent me the modification loan after I did complaints. But the principle was {$13000.00} more than it should of been. It went back and forth and the consumer office told me to just sign then they would fix. I ended up just selling yeh house to get away from them and paid my loan in full. Now they have reported to my credit agency I was late for over a year. While I never missed the payment. They sent me my sector balance which shows {$3800.00} in it remaining after close but they 're saying that 's wrong now and I 'm owed nothing. I tried to correct credit report but they still are refusing to correct.
Product: Credit card or prepaid card

In XXXX I took my daughter to XXXX 's and at check out was offered a store card. I was approved and the balance of was charged to my account. 2 weeks later, I had not received anything from them, no card, no statement, so I called, and they said they had the correct address and I should receive the card and statement within a few days. 2 weeks later, still nothing. I call back and I tell the girl I have to pay the balance because I don't want it hitting my credit and she is able to pull up the account with my ss # and let me make a payment. That was in XX/XX/XXXX. Today I get a phone call saying I owe {$65.00} dollars. I call and they tell me it's late fees because when I paid the bill I paid {$0.00} cents less than what I owned. I still haven't received a statement or a card from them, so I asked them to close the account and remove the fees because why would I not pay XXXX cents knowing it would cost me so much more and a bad hit on my credit. I have many credit cards. I always pay them on time. I even have several other accounts with comenity bank which is who services XXXX XXXX XXXXXXXX XXXX store cards. They can look at my history and easily see that this is not my fault.
Product: Debt collection

I have contacted the creditor multiple times asking for debt validation in which they ca n't provide I even have recorded conversations that they have said they can not verify the collection I just want this debt off all 3 credit bureaus
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Additionally Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for all closed accounts, and any accounts that violate 15-USC-1681b to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Hard Inquiry/Unverified on my behave. I recently checked my credit reports with XXXX, XXXX, XXXX. I have one hard Inquiry from company : COAF XXXX XXXX. 

COAF  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX. I contacted COAF   .Have not herd back from any of this mentioned company.Regarding this issue.
Product: Mortgage

1. The mortgage company is collecting more tax than what is my assessed property tax. 
The mortgage company informed XXXX requires the mortgage company to collect my property tax. When I notified the mortgage company of their error multiple times, the mortgage company refused to adjust the tax collection to my assessed taxes. It appears to me the mortgage company is abusing their role with XXXX. Hopefully it can be seen the XXXX XXXX, 2016 Escrow Account Disclosure Statement shows a property tax payout of {$1000.00} with a false estimate of {$2000.00}. Clearly, it is a false statement to claim there will be a {$2000.00} payout will it will actually be {$1000.00} from the submitted tax assessment from XXXX XXXX. 
2. The mortgage company initially collected all my information, told me I was qualified for a mortgage, locked in a rate at a 30 year fixed mortgage, repeatedly extended the closing time and then said it would need to be changed to an adjustable rate mortgage. I made multiple complaints to supervisors and executives but, received no response to any of my complaints.
Product: Mortgage

I refinanced my mortgage with Webster Bank NA in XX/XX/XXXX. My first payment was to become due on XX/XX/XXXX. On XX/XX/XXXX, by letter to me, Webster Bank sent me notice of my new monthly payment on my fixed mortgage ( 2.5 % 15 year refinance ) of {$4800.00}. XXXX. In addition to that notice, Webster Bank included " Annual Escrow Account Projection for the Coming Year. '' That information estimated an escrow of {$1000.00}. 21 monthly and also projected that I would get a refund in XX/XX/XXXX of {$1300.00} if my account were to remain current. My monthly payments came out of my Webster Bank checking account and were auto-deducted by Webster. 
During the calendar year XXXX, my property taxes were not increased nor was my homeowner 's insurance. 

In a letter I received at the end of XX/XX/XXXX, Webster Bank notified me that my escrow account was short by {$9600.00}. Not only would I not get the promised projected escrow rebate of {$1.00}, XXXX, but Webster was billing me every month in XXXX {$6.00}, XXXX, an increase of {$1400.00} per month ( a 31 % increase over the XXXX payment. In spite of conversations with a Webster Branch manager, a Webster regional manager and written notice to the bank alerting them to the problem, there has been no valid explanation for the 31 % increase. I relied on Webster 's billing of {$4800.00} each month in XXXX as well as its projected escrow analysis indicating that I would be entitled to a {$1300.00} refund, not a bill for {$9600.00} spread out monthly in XXXX. Webster 's Regional manager promised me that the bank would " rectify this '' and would get back to me in writing. Although weeks have passed, I have not heard from the bank.
Product: Debt collection

I did not consent, benefit or authorize from any of the following : BANK OF AMERICA XXXX {$4600.00} XXXX XXXX XXXX {$890.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXXXXXX {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Debt collection

I was presented with hear-documents and no remedy to satisfy my request. Said company says I owe them a debt. I am simply asking for proof of said contract. Any and all tax accounting information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because TransUnion CEO XXXX XXXX refuses to comply with the fair credit reporting act guidelines and respect my right to privacy. Ive submitted numerous of request with proofs of violations of TransUnion reporting unauthorized information which results in identity theft of my personal information. I do not consent to them reporting disputed accounts that Ive already requested a cease and desist under the Fdcpa from all mediums including my consumer reports. TransUnion fails to investigate and delete the accounts I disputed. The response below from the CEO, legal department is DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address - REMOVED Telephone number -ADDED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXXXXXX AS REPORTED XXXXXXXX XXXX SERVICES-VERIFIED AS REPORTED XXXX XXXX XXXX UN-VERIFIED AS REPORTED XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX XXXX AS REPORTED XXXX XXXX AS REPORTED Maintenance was performed on the following accounts and/or public records. 
I demand to know the verification of how they came up with verification when a cease and desist order is set in place and by them being non affiliates with any of the corporations, I would like to know the names of who they spoke to and contact, who conducted the investigation from their company and what fcra laws they have a complied with as well as the GLBA and financial privacy act, California privacy act laws, and identity theft laws? I demand that TransUnion delete these unverified accounts immediately and compensate me for the damages occurred and if you dont comply you agree to go to federal court and compensate me {$50000.00} for actual damages and attorney fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions PER the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws.
Product: Credit card or prepaid card

macys would not change my payment date or work with me at all in any kind of way while I was homeless now that my account is current and paid in full they will not remove the derogatory remarks from my credit report when I called XX/XX/2020 they stated that it isnt possible because they made no error and they can not remove remarks due to personal issues there are 2 negative remarks on my credit report that affect my XXXX  and I from getting a mortgage or any type of home or housing
Product: Credit reporting or other personal consumer reports

I reviewed my credit report recently and noticed an account that was not reporting accurately, I had an INCORRECT LATE PAYMENT MARK on an account that I in fact paid on time. Here is the Account details with an INCORRECT LATE PAYMENT MARK. According The consumer reporting fair credit reporting act ( 15 u.s.c. 1681 ) agencies, MUST report all information with complete accuracy, this account has not been late on payments I have attached a copy of my report to this complaint on the following date ( XXXX ) for account : XXXX XXXX, XXXX I'm now requesting you EQUIFAX XXXX NOW IMMEDIATELY UPDATE this account and update the payment on ( XXXX XXXX ) FOR XXXX XXXX XXXX XXXX to paid on time immediately BEFORE FURTHER LITIGATION PROCESS. Thank you for your understanding and prompt action.
Product: Credit card

I received an email from Current on XX/XX/XX/XX/XXXXindicating my new virtual credit card was active. I've never heard of this bank and did not open a new account. I found an email address on their website, XX/XX/XXXX and advised them I didn't know what this was and didn't open an account. On XX/XX/ they advised me to provide my First and Last Name, City and State, DOB, and last 4 digits of the card to look up an account. I hesitantly provided this information to this random company. Again, I didn't open this account and they should be able to research from the generated email. They advised that they were going to escalate to their fraud team for review. I asked, again, for contact information so I could call and speak with someone. On XX/XX/ I received a notification that my new card had been shipped via XXXX and if I had any questions, I should use the mobile app. I sent another message indicating this feels like fraud and I need support to assist. I can't use the app because I don't have an account with this bank.
Product: Credit reporting

XXXX offered me a pay and delete offer in XXXX, in which I accepted and paid {$93.00} in XXXX XXXX. XXXX cashed the check on XXXX/XXXX/XXXX and as agreed in the settlement offer, they should have updated my account information with all XXXX credit agencies. Therefore, it was illegal and unlawful for XXXX to sale the debt to a collection agency. I sent letters to XXXX with prove of the agreement/contract from XXXX and all they did was send me XXXX home phone bills from XXXX. It still did not show that I owed XXXX anything. I do NOT owe XXXX the full amount of the debt because this debt was paid and settled with the original debtor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Request for Immediate Deletion and Validation of Account : XXXXXXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally dispute the following account listed on my credit report from Experian. This account does not belong to me, and I am demanding its immediate removal from my credit report. I have repeatedly disputed this account with no response or validation from the credit bureaus, and I request your intervention to rectify this situation promptly. 

Disputed Account Information : Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Credit Bureaus Involved : Experian Date Opened : XX/XX/XXXX Current Status : Collection/Chargeoff Balance : {$XXXX} Comments : First payment never received. Unpaid balance reported as a loss by the credit grantor. 
I assert that this account is not mine, and it has been reported in error. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to demand immediate validation of this account, or its deletion if validation can not be provided.

The following laws support my dispute : FCRA Section 611 ( 15 U.S.C. 1681i ) : I have the right to dispute inaccurate information and have it corrected or removed if it can not be verified.

FCRA Section 609 ( 15 U.S.C. 1681g ) : This section gives me the right to request any and all documentation related to the account to verify its accuracy.

FDCPA Section 809 ( 15 U.S.C. 1692g ) : Debt collectors must provide validation of a debt when requested. If they fail to do so, they are required to cease collection activity and remove the account.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Creditors must report accurate information. If they report inaccurate or unverifiable information, they must correct or delete it.

This letter serves as my formal request for the original creditor 's signed documentation or any other proof demonstrating that this debt belongs to me. Should this documentation not be provided within the legal timeframe, I demand the immediate removal of this account from my credit report. 

As of XX/XX/XXXX, I have not received any communication regarding my previous disputes, which is a violation of my rights under the FCRA and FDCPA. I urge the CFPB to ensure compliance with these laws and remove the account from my credit file. 

Thank you for your attention to this matter. I trust that the CFPB will ensure the resolution of this issue in accordance with federal regulations. 

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

XXXX  account says opened in XX/XX/year>. Account number XXXX This is not my account I I am a victim of identity theft where some type of cable or phone bill was put under my info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my account showing date of last payment XX/2017 a balance amount {$2900.00} a charge off amount of {$2900.00} My account was closed out onXX/XX/2017 as inactive and a balance of {$0.00} I was mailed a copy of this account with the account number. 
I have provided by mail to Equifax proof of the account there is no active account no last payment nor a balance on this account as stated on my credit file by Equifax.
Product: Credit reporting or other personal consumer reports

A hard inquiry was done on my credit report between XX/XX/year> and XX/XX/year> without my knowledge and consent to One Main Financial. Someone is using my personal information to obtain credit.
Product: Debt collection

In XX/XX/XXXX, I filed a dispute through XXXX  to have a collection account removed as it was being reported inaccurately by Enhanced Recovery Company ( ERC ). In my dispute, I noted the account they are trying to collect money on does not belong to me ; I requested they submit a validation that the debt is owed by me. After 30 days, ERC did not validate and the collection was removed from XXXX. 
This morning, XX/XX/2020 I received notice that a collection was placed on my XXXX  credit report. The collection agency is ERC who is attempting to collect the same debt that was previously disputed and removed.
Product: Mortgage

XXXXXXXX XXXX sold my loan to select portfolio after giving me my first modification, when my account got to select portfolio got my account they didnt review my file properly and changed my payments back to the original amount I have documents to show what my payments were suppose to be for years I have been trying to get them to correct this situation but they would never respond to my request can you please help me save my home. They put a sale date on my home for XX/XX/year> I make enough money to stay in my home.
Product: Student loan

The issues begin in XX/XX/XXXX when I was placed on administrative forbearance by Aidvantage because I was emailed and told to apply for SAVE which I did ( inappropriately because I had already been on REPAYE and was automatically moved from REPAYE to SAVE ). Because of this I was notified that my autopay would be delayed during forbearance ( but I never received a separate notice telling me I was placed on forbearance ). My auto-payment did not go through in XXXX and then I noticed I was in forbearance. I messaged them in XXXX and requested a forbearance lifted, but it was not, it continued through XX/XX/XXXX. In XX/XX/XXXX, the loan was transferred to XXXX and received in XXXX. The account was initially received on a forbearance. I messaged XXXX and requested a lifted forbearance without response. I shared my concern that I am missing qualifying PSLF payments and by not making payments I am not qualifying for SAVE subsidies. I called and spoke to a customer service representative who re-assured me that both of these would be adjusted and that I should make manual payments. I have made manual minimum payments of {$150.00} in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in order to indicate that I am not having economic hardship and that I wish to be off of forbearance. I have made multiple requests to be taken off forbearance. I have made both phone and message requests and am still on this day of XX/XX/XXXX on forbearance. In XXXX I had {$9700.00} in interest applied to my balance which should not have occurred because I should be receiving SAVE subsidies. In my most recent request off of forbearance, I was told that time in forbearance will not count towards PSLF. I feel that both XXXX and advantage have been malignantly using administrative forbearance assignments in order to benefit themselves by delaying pslf payments and invalidating my loans from qualifying for SAVXXXX subsidies.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : collection/charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX