23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out in the past to Equifax regarding my payment history reporting from XXXX XXXX XXXX XXXX  XXXX  was a very challenging year. Covid had a drastic toll on my credit. Arrangements had been made with XXXX XXXX and per the cares act if arrangements had been made the creditor was obligated to report account current. I brought this to equifax attention I noticed they deleted the late payment showing XX/XX/2020. And when I recently reviewed my credit report for this month It shows equifwx reinserted the late payment. Im asking for the late payment from XX/XX/2020 to be removed along with XX/XX/2020 andXXXX in accordance with cares act respectfully XXXX. I sent a letter and its been 30 plus days and equifax has not responded in timeframe. Failure to respond in time frame permits removal of account or correction to payment history
Product: Mortgage

Hello, I hope this document gets to the right department. 

I have been working in a short sale since XX/XX/2020. 

Now I just received a {$9000.00} water bill for XXXX XXXX thru XXXX XXXX and the property has been vacant since XX/XX/2020 no tenancy. 

Since the Covid-19 Disaster my tenants moved out and now theirs a {$9000.00} water bill and if I dont get this removed. 

My short sale is dead. 

I did my best. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA 611 ( 7 ) and FCRA 611 ( 6 ) ( B ) ( iii ) I am requesting the method of verification you used to ''verify '' that the company seriously looked into the previous investigations. I would like to be provide physical proof of how you contacted the creditor '' XXXX XXXX '' account # XXXX. I want to be given the written correspondence email's/letters, phone call records you had with the employees who you said verified the data, and any other documentations used for this investigation. 

I am submitting a complaint because Chexsystems never sent me the investigation results. I only received a letter dated XX/XX/2019 that the investigation would take XXXX and then my own request of a report dated XX/XX/2019 to see what if anything had been done to my report. as of today i affirm they never sent me my results of the investigation. 

either remove the false and erroneous account or I shall and will seek legal remedies made to me via your negligence and willful disregard to abide by FCRA statutes. I shall files multiple complaints to and including FTC, Minnesota 's Attorney General 's Consumer Division, D.O.J and finally bring a civil suit if the issue has not been taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the last letter before I sue Transunion No more comments
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX-Credit card charge off this Account is older then XXXX years and wrong amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an auto payment setup by a XXXX agent which did not process therefore causing a payment to be missed. They reported to the credit agency that the payment was late even though it was a technical error on made by them in setting up the auto-pay.
Product: Credit card or prepaid card

I made a purchase with Best Buy They said I had 12 months no interest. After 12 months they said I would be charged on the remaining balance. After 12 months I was charged {$540.00} interest. I called and they said sorry about Best Buy not informing me correctly but now I had to pay the remaining balance + {$540.00}. This is an absolute scam. I thought I was going to get charged for interest on the remaining balance not on the balance since the beginning! What is the point of this!?? It 's a pure scam! : ( XXXX XXXX
Product: Mortgage

This is repeated incident delaying in processing my mortgage payment in XXXX, XXXX, XXXX and XXXX. Previously I filed complaint with CFPB and Regions refunded the late fee and reverted their reporting from credit bureau as late payment in XXXX last year. I sent XXXX payment via certified mail ( XXXX tracking # XXXX on XX/XX/year> ). As per XXXX tracking system ; Regions picked/delivered my payment envelope on XX/XX/year> at XXXX AM ). I called Regions on XX/XX/year> and XXXX told me they did not receive my XXXX payment. On XX/XX/year> ; I checked my payment status online and surprisingly processed my payment on XX/XX/year> ( a day backdated ) ; though they received/picked up my payment envelope on XX/XX/year> and held it until XX/XX/year>? All Regions team members from top to bottom kept on telling me ; Regions process the loan payments the day ; they receive? To me they misled/misinformed me by giving me wrong information. On XX/XX/year> ; I left message for XXXX XXXX XXXX, Loan Servicing Escalation Specialist and he never called me with an explanation for delaying in processing my mortgage payment again?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, Over the past few months I have been trying to dispute the accuracy of personal information on my credit report and I have failed to get a resolution. Past addresses keep showing up, past employers keep showing, and unrecognizable spellings of my name to mention but a few. I sent disputes to XXXX, XXXX XXXX, and Equifax that are pending for the last two months. Old accounts that were closed years ago are still showing and the number of open accounts, I have disputed but never had an updated result. Can someone with a better approach to the fair credit reporting act help me out, please?
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE : Back in XX/XX/2020, I wrote to Experian contesting items I believed were inaccurate. They mail me a report that stated the inaccurate items came from a US BKPT Court. I wrote that bank via certified mail using the address that Experian listed in their report. Much to my chagrin, that letter came back to me returned to sender due to the address was unknown. I will attached the documents
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed.
Product: Student loan

I have been working for XXXX and XXXX  for the past ten years while dutifully making student loan payments via direct debit. When I submitted an Employment Certification Form ( ECF ) in XX/XX/XXXX my XXXX XXXX account ( # XXXX ) noted that I had 5 out of the 120 qualifying payments left and that I would be eligible for forgiveness on XX/XX/XXXX. When I submitted what should have been my final ECF on XX/XX/XXXX along with an application for forgiveness the response on XX/XX/XXXX from XXXX was a denial because I had not made enough qualifying payments ; it seems that an audit had reduced my qualifying payments to XXXX. During a call to XXXX that day the staff looked at my payments and said that I should qualify and flagged my account for a recount. I have asked XXXX for a list of my payments and they said they could provide me a list from XXXX and my previous servicer, XXXX, but I have not yet received this information. When I looked at my account today, XX/XX/XXXX the number of payments reduced to XXXX. Help!
Product: Credit reporting

this account has been removed from the other  XXXX  bureaus and reporting negatively please remove as it 's blocking me from receiving further credit
Product: Credit reporting or other personal consumer reports

I can't log in to the website, It tells me that the username or password is incorrect. I have verified the username and password are correct. 
When I select forgot password it tells me to enter my username and click continue. 
Then I go to a let 's verify it's you window. I enter my phone number and select text message and click send code. 
Then I get a " This number doesn't match our records '' error. 
When I select forgot username and enter my date of birth and social security number I get a " Sorry, but that didn't match up '' error. 
I have been trying to reach a live person to help since Friday morning. That seems to be impossible. I tried four different phone numbers. 
Do they have bad information on me, has my identity been stolen, or is their customer service just broken? 
I can't contact a live person by phone to find out.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN I WAS PLACED IN A 7 YEAR AUTO LOAN BY A COMPANY KNOWN AS THE XXXX XXXX  XXXX, THAT ARRANGED THE LOAN TO BE CARRIED BY REGIONAL ACCEPTANCE CORPORATION. THE DEALERSHIP IT TURNED OUT WAS KNOWN FOR DECEIT AND WAS MADE TO CLOSE BUSSINESS IN THE TOWNSHIP OF XXXX  XXXX WI FOR THE ILLEGAL WAYS THE COMPNAY PREFORMED BUSSINESS. THE VEHICLE THAT I BOUGHT USED WAS ACTUALLY REPORTED THE THE DEPARTMENT OF TRANSPORTATION IN WISCONSIN FOR DEALERSHIP REVIEW, AS THE CAR WAS KNOWN AS A " LEMON '' COSTING ME THOUSANDS OF DOLLARS IN MAINTENANCEI MADE NUMEROUS ATTEMPTS IN NEGOTIATING WITH REGIONAL ACCEPTANCE CORPORATION TO RETURN THE VEHICLE, ONLY TO BE THREATENED AS TO WHAT THE COMPANY WOULD DO TO DYSTROY MY PERSONAL CREDIT. I FINALLY VOLUNTARILY SURRENDERED THE CAR AND WAS " PROMISED '' THAT THE VEHICLE WOULD BE SOLD AT AUCTION AND A PAYMENT ARRANGEMENT WOULD BE OFFER TO ME, IN ORDER TO NOT HARM MY PERSONAL CREDIT. THE VEHICLE WAS TURNED-IN XX/XX/2021. I CALLED THE COMPANY MANY TIMES TO INQUIRE WHRE THE SALE OF THE VEHICLE STOOD. FINALLY THE CAR WAS SOLD AT AUCTION ON XX/XX/2021. AS OF XXXX XX/XX/2021 I RECEIVED A LETTER FROM THE COMAPNY DEMANDING THE DEFIFICENT BALANCE OF {$13000.00} THE COMPANY IMMEDATELY REPORTED THE VEHICLE AS A " CHARGE-OFF '' TO ALL THREE CREDIT BUREAUS ALONG WITH A " REPOSSESSION '' i MADE NUMEROUS TELEPHONE CALLS TO THE COMPANY FINALLY TO RECEIVE A LETTER DATED XX/XX/2021 A FALSE DATE, AS I RECEIVED THE LETTER IN XXXX ; STATING THAT A VOLUNTARY SURRENDER WOULD BE UPDATED TO ALL THREE CREDIT BUREAUS AND THAT i WAS TO TELEPHONE THE RECOVERY DEPARTMENT TO MAKE PAYMENT ARRANGEMENTS. i TRIED FOR WEEKS, TO NO AVAIL. I LEFT MESSAGE AFFTER MESSAGE ON A VOICE MAIL THAT WAS NEVER RETURNED. FINALLY I WAS PUT IN-TOUCH WITH THE PROPER DEPARTMENT THAT STATED THAT EVEN IF I MADE APYMENTS TO THE RECOVERY DEPARTMENT, THE ACCOUNT WAS ALREADY CHARGED-OFF, THAT WOULD NOT BE UP TO THE COMPANY TO NOTIFY THE 3 BUREAUS TO REMOVE THE ERROR AND THAT ANY PAYMENT RECEIVED WOULD NOT BE UPDATED TO THE 3 BUREAUS UNTIL THE INVOICE WAS PAID IF FULL ANF THEN ONLY A XXXX BALENCE WOULD BE REPORTED, THAY CLAIM THAT THE 3 BUREAUS WOULD HAVE TO PERSONALLY DROP THE CHARGE-OFF NOT REGIONAL ACCEPTANCE COPRORATION. THIS IS COMPLETELY ILLEGAL. THER ARE LAWS PROTECTING THE CONSUMER.. I HAVE ARRANGED TO PAY {$1000.00} A MONTH FOR A 12 MONTH PERIOD. I AM TOLD NO UPDATING OF ANY KIND WILL BE GINEN TO THE BUREAUS SHOWING THE ACCOUNT CURRENT AND THE COLLECTION/CHARGE-OFF WILL REMAIN FOR UP TO 7 YEARS. 
I HAVE ENCLOSED THE TWO LETTER FROM THE COMPANY FOR YOUR REFFERENCE. I VALUE MY CREDIT AND A CHARGE- OFF IS MOST INAPPROPRIATE GIVEN MY WILLINGNESS TO PAY-OFF THIS BALANCE
Product: Credit card or prepaid card

I have been denied extension of credit by a credit limit increase. I communicated with the company requesting a statement of reasons as to why such action was taken against, the company has failed to do so. The company has violated 15 U.S. Code 1691e and 15 U.S. Code 1611 and is subject to both civil and criminal liabilities.
Product: Mortgage

Ditech, LLC is the mortgage company that services my mortgage account and collects the funds for the escrow on my home. XXXX XXXX, XXXX, I received an Annual Escrow Account Disclosure Statement indicating an increase in my mortgage starting XXXX XXXX, XXXX. My mortgage is to increase from {$600.00} to {$760.00}. I was told by a Ditech phone representative this increase was due to an escrow shortage of {$3100.00}, as she presented this amount indicated on the escrow statement sent to me. I was told by the Ditech representative, at the company 's call center, that this shortage was a result of my XXXX property taxes of {$1400.00} and XXXX home insurance payments : XXXX- {$850.00} and XXXX XXXX {$910.00}. However, when these XXXX explanations add up to {$3100.00} and I paid {$120.00} in escrow payments for twelve months in XXXX. Therefore, my escrow payments for XXXX totaled {$1500.00}. Deducting my XXXX escrow payments from {$3100.00} will leave only {$1600.00} in shortage in my escrow account. I will need an explanation on why my escrow account has a shortage of {$3100.00} instead. This is {$1400.00} over anything indicated on my XXXX XXXX, XXXX Annual Escrow Account Disclosure Statement. The Ditech representative I spoke to on the phone could not provide an answer for the unexplained expenses. Furthermore, the representative said a supervisor would call me to provide an answer. I received no further communications on the matter. I need to know where these extra expenses are coming from or they must be removed from my account immediately and my mortgage monthly payments adjusted accordingly.
Product: Checking or savings account

On or about XXXX XXXX, 2023 my checking account with Chase Bank was unexpectedly closed without any alerts or warnings. My account is also connected to my son 's chase XX/XX/XXXXaccount. My son 's name is XXXX XXXX, XXXX We both went to a chase branch to get some answers on why our accounts were closed. The representative and the manager at the branch told us that they did not know why my account and my son 's XX/XX/XXXXaccounts were closed. They stated that it was not hacked. This is a very difficult painful, frustrating situation to myself and my son. My son is in the process of attending college and he needed to purchase some items with his chase XX/XX/XXXXcard, but when he went to use the card, the account was CLOSED. I have direct deposit for my pay and I also use this account for my E-Z pass and other matters. 

How can Chase just dump someone's account without notice. This has caused substantial injury to myself and my son and we are totally upset and angry that this happened Also be advised that I never received any letters in the mail regarding closing our accounts.
Product: Credit reporting

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

I recently had a loan modification with them and I was a bit iffy about it because I didn't know they would be cutting basically nearly over half my morgage.Wt the the current moment apparently i owe over about {$14000.00} to them out of no where. And i really dont know why and how it got that high.I try every month to make these payments and they now my current situation.i have XXXX kids a wife that cant find a job still at this very moment.And they still could even offer me a long term loan modification because of my situation.My income at work is what goes towards bills that i pay over average amounts of a average family XXXX people in told including me and i have to work hard to try to support them and now this morgage company is now telling me i have to pay a total of {$14000.00} and this is now stressing me out.So please try to find the best way to help me find a way to pay my propertie so i can support the family.At this current moment i mentally dont know what to do.I lean my help to you guys.i dont maybe a new loan modification or something to relief these house payment and i dont want to lose my house.My XXXX bless you guys because my hopes are on you guys.i havent been able to sleep since the news of me owing them over {$10000.00} after a short term loan modification.So please help a poor man out.i dont want to lose every thing at my current situation so please find a way to resolve this issue for me.
Product: Debt collection

I received a number of misleading threatening phone calls over a span of several years from XXXX XXXX XXXX who refuse to identify themselves at odd hours of the day and night. They ask and disclose personal information to others and I've asked them to stop harassing me on a number of occasions. I've filed complaints that they are trying to collect a debt that someone illegally obtained years ago and way beyond the statue of limitations yet I her spoken to and yelled at disrespectfully by this company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % correct. 

XXXX  XXXX XXXX The credit bureaus stated my account was properly investigated but the account type, the open date, credit limit, high credit, last reported, date last active, and the date of last payment are not accurate. This is ground for removal. 

They have also violated my rights under 15 U.S.C 1681 section 602A. It states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 ; Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I opened a Home Depot Card account on XX/XX/XXXX to obtain " same as cash '' financing. I made my first payment on the due date, XX/XX/XXXX. But because the payment deadline was based on Eastern time and I made the payment at XXXX Pacific time, I was charged a late fee. By the time I figured this out, Citi charged me additional fees. I called Citi and they waived the XXXX fees on XX/XX/XXXX. On XX/XX/XXXX, I paid off my entire purchase amount. 

On XX/XX/XXXX I requested " Please cancel the late fee for my XXXX statement '' via Citi 's message center. On XXXX, Citi responded " A late fee adjustment will be credited to your account. It may take up to 2 billing cycles for the account credit to appear. '' However, Citi never provided the credit for the XXXX late fee and now refuses to do so, stating that they previously provided a credit for my XXXX fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax, XXXX, and XXXX on providing proof of the verification of my bankruptcy and have not been provided anything.
Product: Credit reporting or other personal consumer reports

I did not initiate any of these inquiries.
Product: Mortgage

New American Funding refinanced my property in XXXX. They were to refinance my home and 1 acre of land. Instead they refinanced my home and added 10 acres of land. I discovered this when I was looking to sale 5 acres of the 10 acres of land.

Mew American Funding stated they had accidently tied 10 acres to my mortgage, and offer to do a " release of lien '' for me in XXXX of XXXX. They seemed to have many problems, and in XX/XX/XXXX asked to do a re-fi again because of the problems with the release of lien.

After 5 surveys, 2 appraisals and credit reports. New American Funding stated that we were ready to close on XX/XX/XXXX, BUT I had to pay off a Loan of {$7100.00} in order to get the deal done. I told them I had to take the monies from my retirement account to pay off the loan, and I had 90 days to put the monies back in my IRA Account. SO i told them I would not do it unless this was a guaranteed re-fi. They stated it was, in writing and to pay off the loan. So on XX/XX/XXXX, I received the funds and paid off the loan. I was then told I had a closing and signing date of XX/XX/XXXX. BUT then on XX/XX/XXXX the day of closing, New American called and stated I had to pay {$10000.00} more in debt, and verify I was not paying for a car I had co-sign for. I had done all of this on XX/XX/XXXX. But XXXX the loan officer said they did not verify anything, and now needed to redo it. 
I re-did all their needed information, and then they stated I did " not qualify '' and I was out of luck. I told them I had spent {$12000.00} on Surveys, Appraisals, and a loan pay-off. And the Senior Vice President said " Too Bad ''.

I need some type of assistance in the mistreating of a customer which has never been late or missed a payment. And because of their mis-handling of my mortgage, they have 10 acres of land and my home on a Mortgage of {$190000.00} which is worth {$470000.00}. Because they did not do their job correctly. 

New American Funding - Senior Vice President XXXX XXXX XXXX @ XXXX XXXX Please Help solve this issue. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX//2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I reported fraudulent activity on my account, months ago, I can prove that I didn't make any of the transactions. The person that stole my information and spent the money is in XXXX XXXXn XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I am writing to request immediate correction of the error described below to the mortgage on my property at XXXX  XXXX. I have spoken with the Utah State Financial Division and they are willing to get involved. 

My Mortgage was transferred from XXXX XXXX  on XX/XX/XXXX. I have had that mortgage for nearly 5 years and never missed a payment once. The payment was scheduled to come out on the XXXX of every month for those 5 years. LoanCare attempted to take my payment out on the XXXX. I never received a single phone call, which according to the state of Utah is out of line with the law. 

Subsequently my auto-withdrawal was canceled without me knowing. I then got an EMAIL from XXXX  to let me know that I was two months late on my mortgage. I never heard a single word from your company that this error had occurred. 

Not only was the payment attempted to be taken out on the wrong date but the 60 day grace period was never applied which is law as well. Multiple errors have been made. 

I am in the middle of purchasing a business and need this rectified immediately. I was told this would reflect corrected on my credit but it still has not done so. This was your error, not mine. I need a letter sent to all 3 credit bureaus to have this reporting reversed. Please make this right. I have called weekly for months now.