23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

my RE taxes in XX/XX/XXXX it showed Paid, although my mortgage does not have a escrow account and for 18 years paid my RE taxes on time Bayview Loans prepaid the taxes in XX/XX/XXXX. they are deliberately adding expenses to the account by prepaying and placing forced homeowners and flood insurance on the property. I paid homeowners ins XX/XX/XXXX @ {$960.00} in XXXX Bayview purchased another policy with the same company and Bayview added {$960.00} in fees for a second policy. In XX/XX/XXXX i paid the homeowners ins In XX/XX/XXXX when i went to pay my flood ins. i find that Bayview had prepaid it. they are violating my load agreement by creating a escrow account and placing forced homeowners and flood ins on the property. Bayview filed foreclosure complaint in XX/XX/XXXX, the case was dismissed in XXXX discrict Court on XX/XX/XXXX. After months of not receiving any correspondence or monthly mortgage statements On XX/XX/XXXX Bayview proceeded to send me a bill for over {$20000.00}. I have asked several times to send a breakdown but they refuse. violations 1024.37 1024.34 1026.41 Regulation X
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that TransUnion, XXXX, and XXXX are reporting inaccurate and incomplete credit information. I have submitted multiple attempts asking the consumer reporting agencies to reinvestigate the accounts and provide proof that the accounts are in fact, accurate & correct. I submitted requests on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. Each time, the consumer reporting agencies responded back to me and the Consumer Financial Protection Bureau that the accounts were accurate. This was in fact a lie ; the consumer reporting agencies have lied multiple times to me and the Consumer Financial Protection Bureau & violated multiple FCRA laws. 

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

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original Comsumer contract with my signature on it ) that you have on file for the accounts listed below. Or a certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me copy of verifiable proof, you must DELETE the accounts listed below. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX In addition, DELETE all non-account holding inquires over 30 days old, Also, please add a promotional suppression to my consumer file. 

Under federal law, you have thirty ( 30 ) days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

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

XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX
Product: Credit reporting or other personal consumer reports

TARGET/TD - Account # XXXX 2 late payments reporting for the months of XXXX and XXXX XXXX XXXX account # XXXX 2 late payments showing but information is innacurate shows only one late payment for month of XXXX through XXXX and XXXX but not XXXX Then month of XXXX shows late only on XXXX but not XXXX XXXX XXXX How come the information is not the same across all bureaus reporting this matter? 

Ive mailed out a letter stating this information is incorrect, and they have not removed this negative item hindering my credit report.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite multiple written requests, which is a blatant violation of federal law. I previously sent a letter to the XXXX credit bureaus on yet I have received no responsean unacceptable failure to comply with the Fair Credit Reporting Act. 
Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the FCRA, you are legally required to verify these accounts with proper documentation. If you can not provide legitimate proof of validation, they must be update immediately. Your continued negligence leaves me no choice but to escalate this matter through legal action.

This is your final opportunity to comply with the law and resolve this issue without further delay. I expect a prompt responsefailure to act will result in formal complaints and legal proceedings. 
XXXX XXXX XXXX : {$XXXX} XXXX XXXX XXXX : {$XXXX}
Product: Credit card or prepaid card

Wisely pay by adp refused to help me resolve the issue on my account regarding transfers that was unauthorized to be made out of my account while I was in a comma. I immediately contacted them and instead of helping me by giving my money back they ended up closing my account and none of my funds of XXXX dollars was retrieved. 

I contacted wisely in XXXX of XXXX about the transfers out of my account. The transfers was made XX/XX/XXXX- XX/XX/XXXX while I was in a comma from a bad wreck and I was battling XXXX! I thought my money was fdic insured but I have received no protection. 

My name is XXXX XXXX I was born XX/XX/XXXX Last XXXX of ssn XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain inaccurate and incomplete information that is being reported on my credit report by XXXX. This dispute pertains to information that I believe is incorrect and should be promptly investigated and corrected. As a consumer, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681o, which holds credit reporting agencies civilly liable for negligent noncompliance with their duties. 

Upon reviewing my XXXX credit report, I have identified the following errors : Regarding the Bank of America account, I have previously disputed this information, as the claim that this account is mine is unsubstantiated. Both XXXX and Bank of America have failed to provide clarity on the origin or validity of the data linking me to this account. Despite contacting both entities, neither could provide an explanation as to how or from where this information was derived. Furthermore, I have previously reported this debt when a collection agency contacted me regarding the account. However, after their investigation, the debt was returned to Bank of America due to the absence of any evidence connecting me to the account. I am unable to supply an account number for this alleged account, as I have no knowledge of its existence. Additionally, I have observed an entry for a loan with XXXX ( XXXX XXXX XXXX ), which was paid off some time ago and had no history of late payments. However, this account is being reported as potentially negative, despite being fully settled. This discrepancy is both illogical and concerning, as it inaccurately reflects the status of the loan. These entries are inaccurate because the Bank of America account does not belong to me, and the XXXX personal loan has been settled and paid off, yet the account status is incorrectly reported as negative.

As per 15 U.S.C. 1681o, consumer reporting agencies are required to exercise reasonable care in reporting accurate information and to correct any errors upon notice. If these errors are not corrected or properly investigated within the legal time frame, the agency may be negligently noncompliant with FCRA o
bligations and may be subject to civil liability. 

I request that you conduct a thorough investigation of the above discrepancies, as required by law, and provide me with an updated copy of my credit report that reflects the corrections. Please ensure that all inaccurate information is properly rectified within the 30-day period mandated by the FCRA. Failure to do so will lead to further legal action for any damages resulting from XXXX negligent noncompliance with the FCRA. 

I expect a response that includes the results of your investigation and a corrected copy of my credit report as soon as possible. Please provide me with the documentation of your findings and ensure that any inaccurate information is removed or corrected. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution of my dispute. 

Sincerely, XXXX XXXX
Product: Mortgage

I had a mortgage with XXXX XXXX XXXX which was a VA Loan. They transferred the loan to PennyMac Loan Services , LLC in XXXX. I never received a letter of this, in addition -- when payment was returned, I found out at the branch the account was no longer with XXXX XXXX. In addition, I immediately contacted PennyMac to provide payment for XXXX and also the XXXX payment which was due soon. There was a difference in monthly payment of over {$100.00} now that the mortgage went to PennyMac. None of this information was provided, or conveyed by either XXXX or PennyMac in any capacity. Agent discovered an overage of {$170.00} ( credit ), this apparently was late fees which XXXX never applied to my last payment for what ever reason. PennyMac was sent a large payment of {$2700.00} to cover XXXX and XXXX. As well -- agent stated the late fees they have on their system would be removed. I called a week later and was told this had not occurred and was told the agent would correct this. In the interim, I sold my home and was directed not to pay XXXX payment for the note would be paid off and this would effect payoff if paid. After payoff occurred, I contacted PennyMac and they stated that the late fees were {$230.00} and non reimbursable. There was never any late payments while in their hands. If anything -- I was told this would be corrected. Lastly -- They had inspections of the property for XXXX, XXXX, XXXX which charged a fee. According to Veterans Benefit Affairs, they state that no inspection fees are to be paid by the veteran in any capacity. When asking for proof of inspection, PennyMac was unable to provide this proof. Never the less, when questioning Escrow balance, it appears funds of overpayment are lower than expected. It appears that PennyMac charged a pre-payment penalty by double charging interest and less to principle which is a direct violation of our agreement and outside the business and rules for a VA Mortgage. Fees are not authorized according to the VBA/VA. PennyMac basically ignored any concerns I brought to their attention and these fees need to be recovered and also, I feel I have received undue hardship as a result, loss of time complaining on the phone several times and not impressed that a company can do this to a veteran who is a good customer and has also been in direct contact with the several times. These inspections should never have occurred, it 's a pons scheme, unwarranted, and the double interest payment is a total misrepresentation and I can not tolerate being mis-treated this way.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is the account that has inaccurate information they put a repossession on my account and my car was never repossessed and the said my account was closed and it was never closed this caused my credit score to drop XXXX points over all my credit dropped XXXX points and I have disputed these facts with equifax XXXX XXXX and XXXX and they got information from XXXX XXXX XXXX that it was incorrect and they have not fixed the issue they only said they noted my account but my credit has not been restored from the loss it took due to the incorrect information that was reported
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit Reporting Agency ( Experian ) Has 6 Fraudulent Hard Inquiries On My Consumer Report. I The Consumer Called Experian To Have These Removed Off My Consumer Report And Was Told They Can Not Be Removed.
Product: Debt collection

On    XXXX   XXXX   XXXX   this company r eceived a letter requesting validation where I asked themn either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDC PA Sec 809,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, TransUnion and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been over 4 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I, XXXX XXXX XXXX, ID XXXX XXXX, sent a money transfer to my sister 's account XXXX XXXX in the amount of XXXX USD. The money was not accepted by the receiving bank and was sent back to the sender 's bank of XXXX XXXX. 
The money was not returned on time. At the moment they are stored in Citibank, the reason why the money was not returned to my account is not disclosed. please understand the problem.
Product: Debt collection

I do not have anything showing on my credit report as me having an unpaid debt. But I keep getting calls from what looks like to be a company called Portfolio Recovery. They use different numbers and call me multiple times a day, everyday. Theyll leave a message once in a while, saying that they are calling for debt collection. I should not have anything in collections.
Product: Mortgage

Application # XXXX I have applied for a home equity loan with Discover Bank. My application ( #  XXXX ) was denied. I am told that it is because my debt-to-income ( DTI ) ratio does not fall within the guideline. I have inquired about the details. I was given some broad numbers on how the DTI was calculated. I have noticed that the rental income was off by about {$1000.00} per month, but the lender is not providing how they came up with the rental income calculation that leads to this number. 

I have asked XXXX XXXX ( NMLS ID XXXX ) who is the Senior Loan Specialist that I am working with fro details on how the income/loss of each property was calculated. She is stating that I she can not share any additional details.
Product: Debt collection

I have never done business with this company but they are saying i owe money to them but i do not and they are reporting collections on my credit report
Product: Credit reporting or other personal consumer reports

I am not able to retrieve my credit report in any way. I have tried using AnnualCreditReport.com along with XXXX XXXX, and I continually receive one of the following errors : " A condition exists that prevents XXXX from being able to accept your request at this time. ", " Unable to Complete Your Request Online '', or " Please give us a call ''. 

Upon contacting the relevant credit reporting bureau, the support agent is never helpful and I am repeatedly informed that nothing can be done. 

This is simply unacceptable behavior and it needs to be rectified immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Equifax credit bureaus XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this no name account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} U S DEPT ED XXXX Balance Owed XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report and it has been over 30 days and I havent received any investigation results
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I had a reduction in income I had to file bankruptcy to maintain ownership of my home.   I dismissed my bankruptcy and I 've submitted several request for modifications and  Carrington mortga ge has given me the run around stating they have n't received the documents I 've faxed even though I had faxed the requested documents several times.    Carrington m ortgage has had my financials and modification request several weeks and now I have a property foreclosure sale date for  XXXX   XXXX ,  XXXX .   Also The  Property  Foreclosure sale noticed is dated  XXXX   XXXX . The Tennessee law states the homeowner has to b e given a 30 n otice prior to the property foreclosure sale.    XXXX   XXXX   XXXX  mailed the notice of foreclosure on  XXXX   XXXX ,  XXXX  I did n't receive the notice until  XXXX   XXXX . I did n't get the notice 30 days prior to the sale date as required by the state of Tennessee. I want to keep my house please, please, please help me
Product: Credit reporting, credit repair services, 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 : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 information is inaccurate.