23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During loss Mitigation = We sent all documents into US Bank via online portal and they never requested any further paperwork until 3 months later. 

Recieved letter on XX/XX/XXXX and was never mailed nor uploaded into our online service until XX/XX/XXXX stating we didn't submit self employment tax records : sent XX/XX/XXXX, profit and loss missing ( sent XX/XX/XXXX ) and descrepancy in address ( stated over the phone we have a po box XX/XX/XXXX ) Recieved a second letter stating the same thing and made us resubmit and reapply all documents XX/XX/XXXX XX/XX/XXXX us bank request again individual and business taxes with updated signature and require verbal and written notice of hardship. 

XX/XX/XXXX = we called to check on our application and yet again they say we are missing profit and loss statements ( as of XX/XX/XXXX they have requested profit and loss XXXX ) XX/XX/XXXX we again call us bank to check on missing information and they say the under writers are requesting full year of our business profit and loss now with different dates then previously. 

XX/XX/XXXX = us bank sends letter stating only option is to short sale or house.. ( we have never missed a payment and our equity is XXXX what our mortage loan is. they state all available customer assistance reviews we are not approved for XX/XX/XXXX we sent appeal request, they never mailed an acknowledgment of appeal until XX/XX/XXXX which states they will respond on seperate cover by XXXX about loss mitigation appeal and never do so. at which they also state there is no issue with or escrow and no error that occured. our tax bill for XXXX states we had a state tax refund and the remaining balance was XXXX. Us bank states it's XXXX. this has been occuring since XXXX we request another escrow anaylsis and they never do it. 

XX/XX/XXXX they say our payment is XXXX but since XXXX  it has steadly gone up every month and is now currently at XXXX. 

XXXX paid XXXX dollars to reinstate our mortage XXXX  and they paid in over XXXX dollars to our escrow and can't tell us how our escrow got to under a XXXX dollars by XXXX. 

US Bank is also charging us " USDA fee XXXX of {$400.00} out of our escrow every 6 months " and we have had our mortage with this servicer since XXXX and never had that charge. 

WE have had emotional and physical reprocutions from US Bank and how they have handled things and tried to take our home. How they continue to hide where our escrow payments are going, and the lies we get told by customer service is not okay.
Product: Debt collection

The statue of limitations for the State of Texas is 4 years, and I have not received any money from a loan in the last XXXX years and this was explained to XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX California XXXX when they called me, but they continue to call and send me letters. I am named in a Class Action Suite Against them notified by XXXX XXXX XXXX but have not had any results of the lawsuit since XXXX. They have continued to harassment telling me that they will report me deliquent to the credit agencies until I pay them the {$11000.00} that I owe them. The last letter they sent me was XX/XX/2016 saying I could pay a 70 % discount of only {$3300.00} or 12 months of {$460.00}. I think the lawsuit did not go through so I am filling a complaint against them for myself because they will not leave me alone. They have called me so many time that the phone line with XXXX XXXX XXXX did not work and I had to close the account. Please help me to get them to stop harrassing me until I die. Thank you.
Product: Credit reporting or other personal consumer reports

I received a loan for a XXXX XXXX XXXX from XXXX XXXX XXXX Shortly after it the police had it towed to XXXX XXXX. Unfortunately XXXX towing sold the vehicle. And XXXX XXXX is still reporting it on my credit report. It has been 6 years and from my understanding of the XXXX  XXXX it should no longer be showing up on my credit any more. This situation is hindering me from moving forward. Ive called to get this resolved so now Im filing a complaint with XXXX XXXX and XXXX XXXX XXXX XXXX as well. 

XXXX Damages for breach of contract ; specific performance ; period of limitations ; bond ; deed ; mortgage ; surety bond ; appeal bond ; public obligations ; other actions.

Sec. 5807.

( 1 ) A person may not bring or maintain an action to recover damages or money due for breach of contract or to enforce the specific performance of a contract unless, after the claim first accrued to the person or to someone through whom the person claims, the person commences the action within the applicable period prescribed by this section.

( 2 ) The period of limitations on an action charging a surety on a bond of a personal representative or guardian is 4 years after the discharge of the personal representative or guardian.

( 3 ) Except as otherwise provided in this section or another statute of this state, the period of limitations is 10 years for an action founded on a bond of a XXXX XXXX 
( XXXX ) The period of limitations on an action founded on a bond executed under sections XXXX and XXXX of XXXX XXXX XXXX, MCL XXXX and XXXX, is 2 years after the expiration of the year for which the constable was elected. 
( 5 ) The period of limitations is 10 years for an action founded on a covenant in a deed or mortgage of real estate.

( 6 ) Except as otherwise provided in another statute of this state, the period of limitations is 2 years for an action charging a surety for costs.

( 7 ) The period of limitations is 2 years for an action brought on a bond or recognizance given on appeal from a court in this state.

( 8 ) The period of limitations is 10 years for an action on a bond, note, or other like instrument that is the direct or indirect obligation of, or was issued by although not the obligation of, this state or a county, city, village , township, school district, special assessment district, or other public or quasi-public corporation in this state.

( 9 ) The period of limitations is 6 years for an action to recover damages or money due for breach of contract that is not described in subsections ( 2 ) to ( 8 ). 

History : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have my credit report and there is a fraud on my report. It states that I had XXXX at XXXX XXXX XXXX XXXX pa XXXX and ran the bill up to XXXX dollar 's. I have been living at XXXX XXXX XXXX for 10 years and never moved!!! I used to work for XXXX for 3 yearsyears from XXXX to XXXX at the same address that I live now!! So I believe that had to be an inside job using my information at a different address. Please look in to this matter and get back to me.
Product: Checking or savings account

I have a savings account with credit karma. 
I tried to withdraw my money from the account. {$100.00}. It says ( the account you are trying to withdraw from is frozen ). 
The first time i tried to withdraw the money was XXXX/XXXX/20 and i tried today XXXX/XXXX/20 with no change.i have tried withdrawing and cancelling my account and no reply from credit karma.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. My letters have been disregarded and Ive been receiving letters from the bureau stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX XXXX XXXX Account Number : XXXX {$220.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$300000.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$86000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$220.00} XX/XX/XXXX TransUnion : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$86000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

over the last year I have been disputing the inaccuracies on my credit file. I requested the credit bureaus provide verification for accuracy of a some accounts. They completed their investigation several times and stated the companies stated everything reporting was reporting accurate. I decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. Below are the accounts in question XXXX XXXX XXXX  XXXX XXXX XXXX in accordance with the fair credit reporting act these accounts below have violated my consumer rights under 15 U.S.C 1681 sec 623 ( D ) States if information is found to be inaccurate, it must share information with all other consumer reporting agencies 15 U.S.C 1681 sec 602 A. It states I have the right to privacy 15 U.S. C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries are showing more than once on my credit. Some of which I do not recognized.
XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Chase Auto Inquiry from XX/XX/XXXX Chase Auto  Inquiry from XX/XX/XXXX Chase Auto Inquiry from XX/XX/XXXX Chase Auto Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights : 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions 15 USC 1681 section 602 c ( a ) ( 5 ) no 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 conviction of crime which antedates the report by more than 7 years 15USC 1681s-29 ( 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 the information is incorrect or inaccurate.
Product: Debt collection

I have disputed this unauthorized 3rd party collection agency attempt to collect long ago credit card debt and clear my credit report of their illegal actions and damaging my credit Report/history. 
The 3rd party collection agency has : 1 ) Redated the account to look new 2 ) Show they are the original owner ( they are not ) 3 ) Changed the original account number to their number 4 ) Balance owed is also susp of their fraud 5 ) account has been " APPROVED '' for removal but returns on my credit file a few months later ie : dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These illegal action should be fined and held accountable for their violations of the FRCA rules and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX bill in the past and a new debt collector reporting under XXXX has put this debt that does not belong to me back on my credit report. Under the fair credit reporting act this is unlawful and Equifax should not be reporting this on my file. It should be removed immediately or I will have to take steps to litigate any and all monetary damages incurred for damage to my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a recent data breach, which has put my personal information at risk. As a result, I believe it is essential to take immediate action to protect my credit history and identity. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have been contacting Chase Bank since XXXX asking for assistance with my payments. My credit card debt is due to unemployment and no medical insurance in XXXX for a life or death heath problem. XXXX weeks prior I got separated and lost everything and was in a domestic XXXX shelter. When I started working again in XXXX, I was making less than 50 % of what I was previously making and although I had insurance I was still paying a lot out of pocket so finances were still tight. I have been working with a credit counseling company since XXXX of XXXX and they were not able to offer debt consolidation but suggested I get a loan and liquidate my assets. I now have a loan that I can not pay either and liquidated XXXX retirement plans. Because of this I had to pay an additional {$8000.00} to the XXXX in XXXX that I wasn't anticipating and that is why I am falling so behind. I contacted all of my creditors back in XXXX and they all put me on the XXXX 0 % interest payoff plan and closed the account. Chase is the only bank that will do nothing to help me. I have spent hours on the phone with their customer service reps, and in the past month or so includes XXXX : XXXX minutes, they denied my request and told me to call back in XXXX days, XX/XX/XXXX : XXXX hour and XXXX minutes until their rep got frustrated and hung up on me, then XXXX  days later on XX/XX/XXXX : XXXX minutes and they told me I had to wait XXXX days, so recently XXXX I called back and the call was XXXX hours and XXXX minutes. On XXXX I went into a Chase branch, I explained that I am not getting anywhere with the call center and they recommended coming into a branch. The woman called the customer service number and once she told them who she was they asked to speak with me. She left the room for XXXX minutes while they told me on the phone they can not help me and I have to wait another XXXX days to call back. They are asking me about every single dollar I spend, like how much I spend per month on dining out, and I can not even afford groceries. None of my other creditor interrogated me like his and then told me I don't qualify for a hardship plan. I spoke with their consumer credit company and they also were not able to offer a solution either. I am also working with my City/County offices and they can not assist, I do not qualify for any type of assistance for rent or food, nor do I qualify for bankruptcy. In the past XXXX  months I have paid {$8800.00} towards a balance of {$9900.00} but I still owe them over {$5000.00} because of the interest. Because they will not offer me a payment plan my account is now past due.
Product: Debt collection

I just recently looked at my credit XXXX... I saw some hard inquiries that did not have permission purpose. I also have attached evidence { XXXX } XXXX XXXX XXXX { XXXX } XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my credit report. Delete this immediately due to violation of 15USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my credit report I discovered address and name is incorrect, my only address is the address that is on my current Drivers License/ID.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making XXXX XXXX XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Payday loan, title loan, or personal loan

The lender charges us usurious interest rates and even late fees for XXXX. Lender ignored our request to remove late charge of {$640.00}. Rate Interest Due from XX/XX/2019-XX/XX/2019 is {$8900.00} and Additional Daily Interest of {$210.00} if paying after XX/XX/2019.
Product: Credit reporting

Several months ago I began inquiring into my credit as I keep hearing that we should make sure that no fraud is going on with your information. When I saw my report I did n't see any fraud but I did see a lot of information that was incorrect. I began the process of disputing the accounts with all XXXX national credit bureaus to have the inaccurate information corrected. For the most part it went smoothly. XXXX, XXXX XXXX, and Equifax managed to delete or correct all the accounts that I disputed on their respective databases. The problem began when I re-ran a full report to see what my report looked like after all the accounts were corrected. 

Although Equifax corrected or deleted all the accounts I had disputed, they added an additional public record on my report for {$38000.00}. Because I had already disputed over {>= $1,000,000} in erroneous public record debt from my report, and Equifax had already investigated and corrected them all, I assumed this was just an oversight on their part. I decided to dispute the account from my report thinking it would be corrected as I do not owe the debt. Well Equifax came back stating that the record was verified. When I received their results XX/XX/XXXX I decided to look up my personal records to figure out when I filed Bankruptcy as my memory is n't exactly what it used to be and I was sure that I filed any and all tax liens on my Bankruptcy. Sure enough my Bankruptcy was both filed and discharged in 2011 which was several years after the tax lien was filed. Because I had my records in order I decided to have Equifax re-investigate this account as it is obviously not owed. Once again Equifax gave me results on XXXX XXXX stating this was verified. 

At this point I am getting increasingly frustrated at Equifax as they are claiming to verify information that is impossible to verify. There is no debt owed as all my debt including tax liens from before 2011 were discharged trough my Bankruptcy. Equifax is either not investigating properly or not investigating at all. I would like you to look into this for me as I am XXXX and have little taste for nor the inclination for a lengthy and expensive litigation. However if it is what I must do to clear my good name I will be forced to do so. I am just hoping that through your investigation Equifax will see the error of their ways and will correct their misrepresentation of my credit and name.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late by the Creditor : I made the payment on time, but due to an internal processing delay by the creditor, the payment was marked as late. I have attached bank statements showing the payment date, confirming that the payment was submitted before the due date. 
System Error in Payment Posting : There was a system error on the part of XXXX XXXX which led to a delayed posting of my payment. I have included email correspondence with their customer service confirming this error. 
Inaccurate Late Fee Notification : I was not informed of any pending late fees or penalties before the payment was processed, which further proves that the delay was caused by their internal system error and not by a failure to pay on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX