23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have applied for assistance due to loss of income multiple times since XXXX. I keep getting denied. I received a notice.of default XX/XX/XXXX. Covid hit and I entered info Forbearance around XX/XX/XXXX for XXXX  months. In XX/XX/XXXX I submitted another request for assistance and was offered several options after Forbearance. I was told I would receive paperwork to sign. In XXXX I still hadn't received the paperwork and called the bank and was told I had new options available. I requested loan mod and partial claim with limited documentation. 
I submitted what was requested and waited. I was asked different letters and statements which i supplied. I kept calling for status updates and was told it was in review. I called XX/XX/XXXX and was told they were waiting for documentation from me, which I supplied on the XXXX and the website stated that I submitted everything. The rep said she would submit back to underwriting. I explained that I was already offered options and was waiting for documents to sign. 
In XXXX I received a denial letter and was told to apply again and i would recieve a packet on the mail. Then XX/XX/XXXX i received a notice stating that my application was closed due to an incomplete application This has been the cycle since XXXX. It took them almost 2 years of missed payments before filing the NOD. 

I.want to keep my house. I dont understand why I keep applying and get denied. Now for public record against me.which is the NOD.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXX/XX/2020 has violated my rights . 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681i If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Experian continuously not provide proof on how the investigation was conducted. According to documents from CFPB, XXXX XXXX stated the file will be deleted for inaccurate reporting and after I filled a dispute with experian, they keep verifying as accurate even when the finisher stated the account has been deleted which shows experian doesnt conduct investigation but issue an accuracy without documents backing up the disputes resolution. Experian needs to be investigated as they never conduct no investigation as if there was truly an investigation and document review, they would find out the finisher deleted the account. Investigate experian for improper use of service
Product: Checking or savings account

Charged incorrect fees. Teller taking money & not returning it.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my initial dispute dated XX/XX/year>, regarding unauthorized inquiries on my credit report. Despite my previous communication, it appears that Equifax has failed to properly investigate and resolve this matter in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXXXXXX
Product: Mortgage

On XX/XX/2021 I completed a refinance on my home and had the original loan paid off by the new lender. XXXX XXXX XXXX, and the servicer, Dovenmuehle Mortgage , Inc. erroneously withdrew a mortgage payment for the amount of {$1500.00} on XX/XX/2021, despite no longer holding the note on the loan. When contacted on the XXXX of XXXX, 2021, I was informed it could take up to two weeks to return the money that was taken from my account in error. This is completely unacceptable and both institutions deserve sanctions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are reporting late as reported in my 3 Credit bureaus. These accounts should not be showing the current status of 30 and 60 days late since its already been paid for. It seems impossible to accrue late on an accounts that has already been paid. Please report the payment status positive and update all late from reporting on these accounts. 
XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$300.00}, XXXX XXXXXXXX Date Opened : XX/XX/2022 Balance Owed : {$440.00}
Product: Credit reporting or other personal consumer reports

I haven't checked my credit report in a while and noticed a ton of inaccurate information I reached out to all XXXX  credit reporting agencies that they were reporting wrong and inaccurate information I gave them the correct information of the only thing that I want on my report I even sent copy of my license, auto policy and financial statement which all had what was correct I called several times before I decided to mail the above documents and they can't seem to get it correct how much more proof do I need to send to them to correct inaccuracies I thought that by law they had to only report with XXXX percent accuracy Please advise?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received my XXXX XXXX report and see that Clarity Services has pulled my report multiple time without my consent, I have never applied for any of these companies. 
1. XXXX XXXX XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Experion lied about completing a dispute. 

EXPERION : has Been cleverly and Cunningly been cooking the Cradit books. To defraud minoritys from having a fair credit score. 

This is how the trick is carried out, the information about the report will be correct, However the activity portion of the credit file keeping track monthly payment, would be doctored negatively to manipulate the algorithm into reducing the credit score. or slow the growth of ones Cradit. For example. 

XXXX : open on XX/XX/XXXX closed XX/XX/XXXX in good standing = ( correct information ) EXPERION shows that this auto loan was opened XX/XX/XXXX and there was no payment until XXXXXXXX.= ( False information ) 22 months of no payment or no data of payment and 2 months on record of payment.= ( misleading the algorithm ). 

After Requesting a dispute to fix the error. experion doctors the monthly activity to reflect the same thing 22 months of no payment and two months of payment But now shows activity started XXXX and XX/XX/XXXX and XX/XX/XXXX the months I paid. ( A total fabrication ) XXXX XXXX  sent a U.A.D. for EXPERION to correct the improper information. And EXPERION defiantly staled by telling the Source of the information that they XXXX XXXX are the ones that told experion the incorrect information instead of fixing it. 

See thats what they are used to tell the people who called them that its the banks that are sending them false information. Now that we can ask the banks to look into the matter they are getting caught Not knowing what to say. 

XXXX : Open on XX/XX/XXXX current ( correct information ). 
EXPERION shows open XX/XX/XXXX and there was no payment until XX/XX/XXXX. ( incorrect information ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Positive credit account not reporting for XXXX XXXX XXXX XXXX Loan Paid off. 
As shown in my " CREDIT Alerts '' section of my report on XX/XX/2017. 
Loan Account was paid off But it is not being reported in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have tried multiple times to put in disputes with Experian for the mortgage information from XXXX, XXXX.. The latest was XX/XX/XXXX for myself and XX/XX/XXXX for my husband. We previously filed complaints through CFPB last year to fix the reporting on our other credit reports and they responded that they would. Nothing for Experian has changed. I filed a previous dispute of this information with Experian in XX/XX/XXXX after I realized that the information still had not been updated after the 45 days from the letter we received from XXXX, XXXX XXXX, XXXX incorrectly reported that we were late on our mortgage XX/XX/XXXX, XX/XX/XXXX, XXXX 2016 and that it was closed in XXXX 2016. We signed over the property in XX/XX/XXXX for a deed-in-lieu of foreclosure and provided that documentation to Experian along with a letter from XXXX, XXXX that they were going to submit the change to the credit bureaus. In this letter it also provided our payment history. According to their own admission XX/XX/XXXX, XX/XX/XXXX and XXXX 2016 should be removed as being late since we no longer were in ownership or attached to the property. I 've been able to fix XXXX and XXXX to a point but Experian does not seem to really review the information we are providing.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis continues to report a discharged chapter XXXX bankruptcy on my credit report that has expired its 10 years of reporting. Also, their investigation ( s ) have taken over 60 days on multiple complaints through the  CFPB and directly with XXXX.
Product: Debt collection

I am writing about a late payment reported on XXXX, XXXX on the following account with JP MORGAN CHASE BANK : Account number : XXXX XXXX XXXX XXXX Opened date : XX/XX/XXXX Credit limit : {$20000.00} I have sent the proper documentation to Chase back onXXXX XXXX, XXXX to the fax XXXX, but I received no acknowledgement of my case. 

The reason why the account was late was because a third-party company was supposed to make the payment, in fact they sent me confirmation of the payment. 
Later, I realized that the account was reported late so I contacted them. They sent me a letter apologizing for the inconvenience, which I have attached for you. Besides that, people in home came down with XXXX, and due to this I was not checking mailed statements. 

I am requesting this late mark to be removed from my report. This was a situation that me, as a customer, could not control. I was not even aware of this. I have an excellent payment history. This did not happen because I didn't have the money to pay or even worse, because I didn't want to do it. 

Please feel free to contact me if you need further documents. I need to solve this issue as soon as possible. 

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

TransUnion has a suppression on my credit report for some unknown reason. I have tried applying for a credit card with my credit union and they only use TransUnion, they are unable to pull because it's suppressed. So to have it removed I have been in contact for several weeks being sent around to different people. Different people keep telling me different things to get it removed like email this department or mail in my social to an address. Then after awhile they told me that the suppression is removed so I have them mail me my report and the report states it's unable to pull my credit because there's a suppression on it. I just want it removed and they won't do it.
Product: Student loan

I wrote to the bureaus on XX/XX/2018 regarding some late payments on my credit report regarding my XXXX XXXX XXXX XXXX with A/c # XXXX XXXX, XXXX, XXXX and XXXX. I reached out to the bureaus to make a XXXX XXXX but I never received a response from them from this time. I tried making a XXXX XXXX as I had fallen on some hard times and were not able to make my regular payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate information id theft gov po report to houston hd
Product: Student loan

Navient conducted a financial statement to measure whether or not I would be eligible for greater payments at this time. At the end of the statement the woman said, 'it looks as if you have - {$400.00} each month, so how would you like to pay? ', after clearly stating I wo n't even be able to afford groceries this month. The calls from Navient NEVER stop, whether I set up payments for a future date or not. They frequently harass my consigner and I with rude comments, telling my father I said things I have n't and vice versa. One afternoon, they called my father at work ( after I had already set up a future payment ), demanding he pay immediately and he kindly said 'No, I need to talk to my daughter first to see where she stands ' and the woman replied 'so you are refusing to pay? ', he said 'no, never refusing to pay, I just need to see where my daughter stands financially first '. She went back and forth with my dad until the conversation was unbruptly ended by my dad who said she was one of the rudest, most demanding woman he had ever been in contact with. She immediately called me after their call ended stating that my consigner refused to pay and that I must submit a payment immediately to avoid default. I scheduled a second payment because we were threatened with default, which I had to take a cash advance off of my credit card because I did n't have anymore money to give them.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

I opened up a bank account with Navy Federal credit Union back in 2021. Couple months after I opened it up. My wallet driver 's license stuff end up getting stealing stolen. Had my debit card in it. I get a letter in the mail says that two checks cleared my bank account one for I think it was {$1900.00} and one for {$1400.00} person. From what my understanding was is checks were put in there and the person somehow got the money out. I'm not sure how they withdrew it and Navy Federal credit Union never told me but they cleared two fake checks apparently and put me in a negative balance of {$3400.00} in my account and then charged me. There's like XXXX or so dollars every 4 days that they would charge my bank account for overdraft fees and then insufficient funds. They then reported me to a check systems + made it to where I can no longer even get a bank account because it looks like I owe Navy Federal credit Union. All this money now. I was able to provide them with copies of the identity theft forms that was filled out. I've called them, spoke to them. They've done nothing to help me out. They just keep adding money to my account for owing them all this money. I don't know where it's at now. I'm sure it's I think it's at 5 or about {$5000.00}. They say I owe them but it was never me. I never pulled no money out. I never nothing and I've tried everything to fix this problem with them. They refuse to help me and since then I've never been able to open a bank account
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was a victim of a fraudulent charge to my account in the amount of {$3000.00} the unauthorized XXXX transaction was made on my Bank of America account which I called immediately and filed a claim, but nothing was ever resolved.
Product: Credit card or prepaid card

I have 2 Citicards XXXX ( Business ) and XXXX ( Advantage ). In XXXX, Advantage sent a mandatory replacement card. I did not authorize this card. However, Citi began using the new account. When I receive my mailed statements, I access the XXXX version on line. I do this so that I can designate which expense is paid by my business, home or other user. In XXXX, I discovered 4 statements (??? ) on line but the XXXX versions were not available. A recent payment was not on any of the accounts. Citi had to do a forensic search to find the payment. Since then, I have been unable to reconcile the accounts and therefore, unable to pay my bill in full. After many, many hours ( probably 30+ ) of conversation with Citi Customer Service , I contacted the office of XXXX XXXX , CEO. XXXX XXXX has responded. I have sent all thXXXX XXXX spreadsheets that do not reconcile with the PDF ( printed ) statements. The issue is not yet resolved. However, last week XXXX XXXX was on vacation & suggested that I contact Customer Service. That 's when I decided to file a complaint. XXXX XXXX also suggested that if the account was not paid in full, Service & Interest charges could not be reversed (!! ). I can not pay the bill in full until I can reconcile the statements. Another suggestion : My credit would be affected (!! ) PS Your form only allows the id for one card. I have two cards in disarray.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that have been listed on my credit report. I have reviewed my credit report and have found several inquiries that I did not authorize or have knowledge of. These inquiries are negatively impacting my credit score and are causing me significant financial harm. The fraud inquiries are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

To Whom It May Concern, I am writing to formally lodge a complaint against XXXX, XXXX, and Experian for their failure to properly investigate and correct an inaccurate late payment reported on my XXXX XXXX XXXXXXXX credit card account ( Account Number : XXXX ). Despite providing ample proof over the past two years, including bank statements and receipts, my legitimate claims have been disregarded. 

Account Details : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Paid, Closed Status Updated : XX/XX/XXXX Credit Limit : {$6500.00} Highest Balance : {$7000.00} Payment History : 30 days past due as of XX/XX/XXXX I have only one reported late payment, which is the XX/XX/XXXX payment on this account. I have repeatedly submitted proof to XXXX, XXXX, and Experian that this reported XXXX late payment is inaccurate. Specifically : XXXX XXXX : I have provided my XXXX XXXX  XXXX bank statement for XX/XX/XXXX, which clearly shows that the payment was made on time. Additionally, I paid inside the branch with a teller, ensuring timely processing. 
Metro 2 Compliance : As per Metro 2 guidelines, this payment should have been accurately reported. The continued misreporting of this payment constitutes a violation of these standards.

Lack of Investigation : Despite my numerous attempts and providing comprehensive documentation, the credit bureaus have not conducted a thorough investigation. Their persistent failure to correct this error suggests potential bias, as they may benefit from maintaining negative information on my credit report.

This inaccurate reporting has severely impacted my credit score and, consequently, my financial well-being. I have already escalated this issue to legal counsel and intend this as my final attempt to resolve the matter amicably before pursuing further legal action.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Fay Servicing was supposed to escrow our insurance and taxes. They missed out paying supplemental tax and we received a delinquent notice. It has been a while and they haven't paid it yet and we were already charged with penalty because they missed paying.