23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I called today XX/XX/XXXX to make my payment to Truist Bank and XXXX XXXX XXXX in XXXX answered and helped me with my payment and then when I asked about why I hadn't received a mortgage statement in the mail she said it was because I requested it. I asked her how did I agree to only electronic statements? She could not answer me I asked her when and on what date and eventually she said twice. Once on XXXX, XXXX XXXX and then again on XX/XX/XXXX. We were on this conversation for 34 minutes and 23 seconds according to my phone log history and not only could she not answer me but she must have lost her place reading the computer screen because she asked me to confirm my account number again for a payment we already had processed in the middle of answering my question on where did I agree to only electronic statements. Again the dates she did provide makes me Question it even more? Again I have questioned your ethics when it comes to observing and obeying Federal Data laws. Show me where I agreed to wanting to stop paper statements in the mail on XX/XX/XXXX XXXX ... .She said she could only see the dates but could not not see beyond two years and I did tell her this was not a reply of satisfaction to any complaint filed and I was Hanging up because she could not answer my question
Product: Credit card

I have reached out to chase 3 times about a dispute of the transaction on my account. While I was reassured that the issue would be resolved in my favor and while I received a letter confirming the resolution, my account was not credited. 
The issue is as follows : I purchased a yearly professional electronic records system subscription ( XXXX XXXX ) on XX/XX/XXXX. The electronic health records system was purchased by another company and it promised a prorated refund as XXXX  was to stop access to my account on XX/XX/XXXX. While my account was credited for {$950.00} in XXXX by XXXX, the credit was then reversed by the company ( in the same amount, my credit card was charged by them and the transaction was marked as reversal ). I reached out to Chase and have all supporting documentation to support the dispute of the initial ( XXXX ) transaction and receive a prorated refund. I in fact received a letter from chase stating that the XXXX transaction dispute was credited but it really wasn't. Chase representative today told me that staff saw the XXXX  transaction and this led them to believe that this was the credit ( this is clearly not what I communicated to chase on two occasions prior to calling today ). The charges are as above : XX/XX/XXXX - charged by XXXX {$1400.00} for a 12 month transaction XX/XX/XXXX - XXXX  refund {$950.00} ( I think it posted on XX/XX/XXXX ) XX/XX/XXXX - XXXX charge  {$950.00} ( I think it posted on XX/XX/XXXX and is marked as reversal ) XX/XX/XXXX - I called chase and explained the situation, they saw the charges and acknowledged that this is a concern and that a dispute will be started, they also told me to call in the morning to speak to the dispute XXXX XX/XX/XXXX - I spoke to dispute specialist and they told me I am likely to win the dispute XX/XX/XXXX - Chase sent me letter saying they won the dispute and that the amount would be credited to my account. 
XX/XX/XXXX - No credit on my account All I am ultimately asking for is that XXXX return {$950.00} due to them not being able to provide the services starting on XX/XX/XXXX after selling me a XXXX  month subscription. Chase have not been able to resolve this for me despite their reassurance
Product: Vehicle loan or lease

I applied to refinance with auto pay. They sent my application in I signed papers all that. I was told I had time to back out it I wanted to. And I did. I emailed, texted, and called to cancel my application. I spoke to someone on the phone and they told me it would be felt with as well as over email with a different employee. Well the loan went through they paid off my original loan and now Im stuck with this one.
Product: Credit reporting or other personal consumer reports

THE CREDIT FURNISHERS KEEPS BREAKING DODD FRANK ACT AND PURPOSEFULLY REPORTING A NEGATIVE REMARKD FOR LOAN XXXX. LAST XX/XX/year> THE VECHILCLE HAD A CLASS ACTION CLAIM FOR XXXX XXXX. SEE ATTACHED
Product: Credit reporting or other personal consumer reports

I am reporting unauthorized hard inquiries on my **TransUnion** credit report. These inquiries were for **business credit** and should not have been made using my personal **Social Security Number ( SSN ) **. The companies involved are : - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX on XXXX ; this company **will not return my emails** regarding the issue. 
- XXXX Inquired on XXXX ; this is a **business credit card** that should have only used my **business XXXX, not my personal SSN. 

**TransUnion does not allow me to dispute these inquiries online**, making it difficult to correct this error. Under the **Fair Credit Reporting Act ( FCRA ) **, hard inquiries should only be made with my explicit authorization and for a permissible purpose. I did not consent to personal credit checks for these business-related inquiries. I am requesting an investigation into these unauthorized inquiries and their removal from my credit report.
Product: Credit reporting

I received a credit alert from my credit monitoring service, regarding a collection account for a account that was open back in XXXX. I have been a victim of identity theft since XXXX, do to me moving and some of my information was lost or stolen. I have a extended fraud alert on my credit for 10 years. Some times i get credit inquiries from people trying to apply for applications in my name. But now creditors must call me before opening accounts. I have also contacted the company and sent them a copy of my police report. This company is reporting to all XXXX credit agencies.
Product: Credit card or prepaid card

This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Product: Mortgage

We have an escrow issue. HomePoint Financial mortgage company and our town put us into major financial hardship. In XX/XX/2023, XXXX XXXX sent HomePoint a letter stating we were delinquent on our property taxes. We were paid in full when HomePoint received this letter. HomePoint sent our town a check for {$14000.00} and our town cashed the check and applied it to XXXX taxes. HomePoint then said we had to escrow taxes and payback the {$14000.00} immediately. HomePoint then told us that our mortgage payment is changing from {$1700.00} to {$5600.00}. We paid XXXX, XXXX, and XXXX at this rate. We called multiple times trying to fix their mistake but we were told it wasnt their mistake and we owed them that money. After reevaluating the loan with XXXX from HomePoint, he determined we were getting over charged. He lowered our payment to {$3500.00}, which is still too high. We paid two months at the rate XXXX gave us, XXXX and XXXX. HomePoint made us payback this in a five month period! 

Our total owed for our mortgage is {$400000.00}. Our taxes, are {$17000.00} per year or {$4300.00} quarterly. For three years we were on autopay for the {$1700.00} a month and paid our taxes without escrow. 

Just doing simple math, we paid {$15000.00} towards the {$14000.00} that was overpaid by HomePoint. HomePoint is trying to tell us we owe {$3000.00} for the remainder of the years taxes and we have to escrow another {$6900.00} before the end of 2023. If we paid this amount, we would be escrowing {$22000.00} for 2023 taxes, which are only {$17000.00} which is a difference of {$4800.00}. 

We have XXXX children, ages XXXX, XXXX and XXXX. One in college we are paying for and this put us in such a financial bind that we are now late on almost all of our bills, including our sons college payments. Our family found buying groceries and gas almost impossible. 

We understand that we are responsible for paying our taxes. We were not expecting to have to pay back HomePoint for the {$14000.00} that they paid towards our taxes. That should never have happened but we suffered the consequences of their mistake. 

Is there anything you can do to help us? We would really appreciate any kind of help at all. 

Thank you, XXXX and XXXX XXXX
Product: Mortgage

My name is XXXX XXXX and I applied to Lakeview Loaning which is my current mortgage company, to refinance my home. I've done extensive research on FHA refinancing with cash out and I discovered that the statement of denial from Lakeview Loaning Servicing LLC, explanation they provided was incorrect. This mortgage was purchased from XXXX a few years ago and there has never been a late mortgage payment submitted as of today 's date by XXXX XXXX. XX/XX/2022, we completed the application process Loan # XXXX, for refinancing with {$40000.00} cash out. For several months XXXX XXXX and XXXX XXXX submitted financial information, tax returns and several other pertinent information as requested. The next process was the Disclosure e-sign and document review which were signed in a timely matter and submitted, at this point the loan process moved to the next step which was the underwriting department along with scheduling an appraisal XX/XX/2022, for the property. All these steps were a false indicator on Lakeview Loaning Services, LLC 's behalf that the refinancing process would be finalized. 

XX/XX/2022, we received a statement of denial from the underwriting department stating FHA would not allow refinancing with cash out. THAT WAS NOT A TRUE STATEMENT. The information about FHA should have been disclosed prior to the application completion if it were true. I have contacted several mortgage brokers and companies that are processing FHA refinance loans with cash out. We have consulted with an attorney and we believe that Lakeview is using discriminatory practices based on race and is not an equal opportunity lender. 

Lastly, the appraisal scheduled was never canceled by your company, we contacted the XXXX today and he was surprised and unaware of the changes, which further proves there is deception on your Lakeview 's part. We will be filing a complaint with Consumer Financial Protection Bureau, media and other outlets. The public should be aware Lakeview Loaning Services, LLXXXX, has discriminatory practices and they will allow clients of XXXX to presume that their loan process will be approved and then Lakeview gives you untrue information as to why the loan could not be processed.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/delete any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$890.00} XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained to XXXX XXXX to remove in accuracies in my credit report and they continue to report them from XXXX XXXX/JC Penny. A payment was made to XXXX XXXX XXXX XXXX XXXX a collection agency that J C Penny used in 2013. XXXX is reporting the payment on my credit account, but are showing I owe JC Penny. Now JC Penny is using XXXX XXXX to report in accuracies and XXXX XXXX and Synchrony can not provide the documentation to show the validation. 

Another credit reporting bureau was able to remove the in accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX ( I NEVER OPEN THIS ACCOUNT ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written all credit reporting agencies who have said they have verified this information including XXXX XXXX. They have not provided any proof on how the information was validated.
Product: Credit reporting or other personal consumer reports

Despite this account being closed, it is still appearing on my credit report and is negatively impacting my credit score. As a responsible consumer, I regularly monitor my credit report and strive to maintain a positive credit history. The presence of this closed account does not accurately reflect my current financial standing. I kindly request that you investigate this matter and remove the closed account from my credit report at your earliest convenience. According to the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be included in a consumers credit report. Since this account is closed and has been properly settled, its continued presence is misleading. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy was not filed. Have been trying to get removed off credit reports for several months. Talked to US Bankruptcy court and they mentioned to me that the courts do not verify anything with credit bureau 's. All three credit bureau 's are stating that they are verifying information with the courts which is not accurate. Docket numbers that are listed on credit reports are incorrect. They are falsely stating that they are getting information from the courts or a third party which is incorrect and is violating the fair credit report act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with XXXX about my credit report, so many times now they ask me for my social and date of birth And I don't get a chance to talk with anyone about my credit report. just the machine. Early in XXXX They told me they would seen a new credit report, they have not done so, it seems to me after I have put in a complaint it's gotten worst. once I give my information, the machine won't even connect me it tell me to go online and dispute my information. I have the report number from the old report. So I'm not even sure they have taken anything off. I'm am a victim of fraud I have sent police reports affidavit and now my attorney is sending signed documents I have worked with the Fraud prevention services and Identity Theft through XXXX they told me that all three credit bureau would be made aware. They have not removed anything far as I know. I can't see it because I have not received a up to date report. all I can use is the old report. and now I can't even get a human on the phone. If you can help me with XXXX I really would appreciate it this issue has been going on way to long. And I don't have a credit card Witch was mention in the last report For that reason I have not paid to receive my credit score. I would like to see how much they have worked on my credit. Thank you for whatever you can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is falsely reported that I have two delinquent accounts, which were never mine. 
One account is through XXXX XXXX XXXX XXXX XXXX is the debt collector reporting it. 
I just noticed when running my full credit report, that Experian is listing the following address as a past address for me. 
XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX I have NEVER lived in the state of Michigan. 
I have lived at the following address since XXXX of 2012. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX I tried to delete this address through Experian online dispute, they will not delete b/c they say this is linked to the delinquent account XXXX XXXX. I have NEVER lived at this address, how can I rectify that I have never had these two delinquent accounts?????? 
I can prove that I have resided at this address since XX/XX/XXXX. 
I have also tried contacting XXXX XXXX XXXX directly and they have no record of my accounts under my name and address ( XXXX XXXX XXXX XXXX, CA ) ... .so they keep telling me they can do nothing b/c they have no record of me having these accounts. 

Experian has not resolved any of these issues correctly, they have not researched into my inquiries and disputes at all. 
I have NEVER lived in Michigan ... .I should be able to delete this, thus correct the XXXX XXXX error from XXXX XXXX  XXXX XXXX this is not my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

End of XX/XX/2020, I requested my credit report and was denied. According to Transunion I was not providing enough personal information. I was sent information in Spanish which I did not understand and had someone translate for me. When I sent my request, I sent a copy of my drivers license, utility bill, internet bill, and social security. I was denied my annual credit report. 

In XX/XX/2020, I called and ask for my report and they assured they would sent it and in the language that I understand which is English. Once again they sent it in Spanish and three weeks later the same. I felt discriminated because my name has latin origins and I have not had an account with Transunion to elect another specific language. 

In XX/XX/2020, I expressed my frustration of not being able to read my own credit report because it was in Spanish and they reassured again it would be in English. Once again I received it in Spanish so I am unable to identity which information is mine and not. 

Attachments show them in Spanish. I never selected Spanish. I speak only English.
Product: Student loan

I have had a student loan w Nelnet for many years. Right after graduation they convinced me to consolidate so I would have one payment and one account. I did and it locked me into a higher rate then I might have gotten if I had waited. Never the less I have been paying on it for over 10 years and been a loyal customer who will be with them for many to come due to my principal balance. I have a good payment history with them. I made a mistake and un-linked my payments in my online banking and became delinquent. I shred my statements but when I realized that something was amiss because it was alerted on my credit report monitoring I called and took care of the balance that day. I take responsibility for my mistake. However, Nelnet has reported it as two separate loans past due on my report. Basically doubling the impact of the mistake. I have one payment. I understand they have it listed as two loans in their system for their purposes but this is an unfair burden because it has caused a severe impact to my credit score. I asked if there was a way to only report one delinquent or amend it due to my positive payment history. They refuse and are disinterested in assisting me. I have called and spoken to several people- getting conflicting information. I finally spoke to someone in the dispute department and there was nothing he could do. It is preventing me from refinancing my home and is putting my family in a position to overpay. I did not ask them to not report my mistake - only that it should not look like six missed payments on my report only three. This is not the first negative interaction I have had with Nelnet. Years ago I signed up for their automatic payment program and a few statement cycles later my principal increased by several thousand dollars. I called in a panic was informed that in the fine print of the program enrollment that it was one of the terms. I was shocked that that would be buried as a term of a payment agreement. I have little faith in them to do right by people like me who have paid a ton of interest and made no headway with on their loan debt. I am hoping that someone can help me find a resolution so that I can move forward and refinance our home and begin saving for my children to go to college. I do not want them to carry the same burden I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this problem more than once with the credit bureaus and gave statements and presented documents and still no progress I have been paying this company for my car after it got XXXX they are reporting false information and they are not showing anything I've paid since the before the XXXX they are also reporting I have XXXX  missed payment and that's not true if that was so they would have XXXX  the car again the way the payment arrangements were set up by weekly and by weekly my dates went along with my pay dates I asked to split my payments in half and the amount we agreed on I paid for awhile and I called them and set up a different amount they agreed but they are still showing I'm not paying so I have negative marks
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX