23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I inherited a home from my father and it burned down a year ago. This mortgage company kept charging me for a whole year because they refused to make a claim to the insurance. Finally I was able to get a check to pay off the house after a whole year of payments for a house that didnt exist anymore and now its so hard to get them on the line just to pay them! I sent the check and every time I call they hung up on me several times for several days when all I want is to pay them. They seem to have no communication in between departments, one person says one thing and another says something else. This is the worst mortgage company and they dont care about their customers. I went through financial struggles the whole pandemic year having to pay for this mortgage ( besides my other mortgage and bills ), they told me they will give me the money I paid for that year since after the house burned down ( more than XXXX ) and now they wont honor what they told me. Stay away from this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I 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 as if Im being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress inflicted upon me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been removed and updated as on-time payments ; they are still reporting it as open and with a balance.This is inaccurate ; a 1099-c was filed and they took it off updated and they put it back on as open that is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

For full details, please refer to my XX/XX/2020 letter to EQUIFAX with supporting attached documents.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the following accounts, which have been repeatedly challenged and remain unjustly reported on my credit file : XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX  XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX - XXXX XXXX  ( XXXX ), XXXX  XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXX XXXX  ( XXXX ), and XXXX  ( XXXX ). Despite prior disputes, these accounts have not been removed, demonstrating clear willful non-compliance with the Fair Credit Reporting Act. Under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a proper reinvestigation and delete or correct inaccurate, incomplete, or unverifiable information. Additionally, 15 U.S.C. 1681n and 1681o establish liability for willful and negligent noncompliance, entitling affected consumers to statutory damages of {$1000.00} per violation. The continued reporting of these disputed accounts obstructs my ability to obtain credit under permissible purposes defined in 15 U.S.C. 1681b and constitutes an ongoing violation of my rights. I demand the immediate and permanent deletion of these accounts to prevent further harm. Failure to act accordingly may result in legal action to enforce compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

*** XXXX XXXX XXXX XXXX, TX XXXX * XXXX XXXX  XXXX XXXX, TX XXXX < -- ( DELETE WRONG ADDRESSES, NOT MY ADDRESSES ). 
XXXX XXXX XXXX  XXXX {$21000.00} < -- ( NEVER LATE HOW IS THIS VERIFIED AS ACCURATE? REVIEW MY ATTACHED DOCUMENT REGARDING THIS ACCOUNT FOR XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX {$3500.00} < -- ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) XXXX XXXX XXXX XXXX {$390.00} ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts listed below as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask for these accounts to be promptly removed from my credit report to protect my personal and financial information. 
Affected Accounts : XXXX XXXX XXXX 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: Vehicle loan or lease

After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be reported on my credit report. 

Account Name : Capital One Auto Finance Account Number : XXXX Dates of Late Payments : XXXX, XXXX, XXXX, XXXX, XXXX of XXXX / XXXX, XXXX, XXXX of XXXX I say this because the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me, the consumer and any person making the report. Furthermore, I never gave any consent for these alleged transactions. 15 U.S. Code 1681a, 15 U.S. Code 1681a1, and 15 U.S. Code 1666b. 
Please reverse the late payments from my consumer report and update this account as soon as possible.
Product: Debt collection

Linebarger Goggan Blair & Sampson, LLP sent me a letter threatening to report any unpaid debts to WA Dept of Licensing who will suspended my license and/or deny future vehicle registration if I don't pay. They're attempting to collect " Delinquent Court Fines '' and since I've never been to court I dug in deeper. Turns out they're attempting to collect parking tickets on behalf of XXXX XXXX XXXX however, I don't have any unpaid parking tickets. There are no dates listed on the letter, no license plate info, nothing. No one has ever contacted me regarding parking tickets, not City of XXXX ( who you'd think would be the first to engage ), or any other collection agency. All of that being said I'm assuming this is Fraudulent activity and asking for your help resolving. Thank you
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE ATTEMPTED TO HAVE THIS ACCOUNT REMOVED FROM EXPERIAN. THE PREVIOUS ATTEMPTS TOOK OVER 30-DAYS TO REPLY, WHICH VIOLATES MY RIGHTS UNDER FCRA. 

THE FOLLOWING ACCOUNT HAS NOT DOCUMENTATION IN MY NAME OR SIGNATURE AUTHORIZING THEM TO REPORT ON MY CREDIT. 

ACHIEVE PERSONAL LOANS THE FOLLOWING ACCOUNTS CONTINUE TO REPORT INCORRECTLY AND RESPONSES FROM MY PREVIOUS DISPUTES EXCEEDED 30-DAYS, WHICH VIOLATES MY RIGHTS UNDER FCRA. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF ALL THESE ACCOUNTS ARE NOT REMOVED UNDER THE FCRA, I WILL HAVE NO OTHER CHOICE BUT TO SEEK LEGAL ACTION.
Product: Checking or savings account

Navy Fedral Credit Union has me in XXXX XXXX preventing me from opening an account elsewhere. I paid NFCU in full ( XXXX ) I should be removed from XXXX 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX - {$8700.00} HAS VIOLATED MY RIGHTS UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXXAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Mortgage ( XXXX XXXX ) account number XXXX, 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 XXXX : it also states a customer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

There were payment plans made with the company and it was supposed to be removed as a no payment or late payment on credit report.
Product: Debt collection

The original creditor is   XXXX   XXXX   XXXX   XXXX   or they also go by  XXXX .     I have been making payments to  XXXX   XXXX  collection agency since  XXXX    XXXX  . Another collection agency reached out to me a few weeks ago saying they had my account from  XXXX  and asked that i setup a payment arrangement. I refused and let them know that I was already making payments for this debt to another agency.     Now perfection collection has placed this debt in the amount of  XXXX  on my   XXXX   XXXX   credit report and i can not possibly owe two different collection agencies  two  different amounts of money for the same original creditor.      XXXX  said that my original balance before making payments was approximately {$700.00} now Perfection collection has reported a balance of {$1500.00}.     I have tried conatcting ADT multiple times to get information about the the collections agency they sold the account to and I am never able to get anything that mirrors the agencies that have contacted me. The only thing that  XXXX  was able to provide was that in  XXXX  the account was sent to  XXXX   XXXX   XXXX   XXXX   (   XXXX  ) and that in  XXXX  it was sent to  XXXX  (  XXXX  ) I have tried calling these numbers and get nowhere.  XXXX   XXXX   XXXX  who says that they work for perfection collection has made the most recent contact with me about what has been reported to my credit. At the end of the day I do want to pay only what i owe to the correct collections agency and right now that is not clear to me.     please let me know what my next step should be to get this resolved expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had a 5 year car loan that i paid off in XXXX almost 2 years early. 
my FICO score dropped 23 points after i paid it off. the company that handles FICO scores told me it dropped because they`re no longer factoring in the car loan. i have never been late paying my bills. its just another example of being punished for doing everything right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number XXXX 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 customer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

The loan payments have not been correctly and accurately reported to the credit bureaus. on XXXX the payments from XXXX XXXX to XXXX XXXX are missing. 
XXXX the payments from XX/XX/XXXX to XX/XX/XXXX are missing XXXX payments from XX/XX/XXXX to XX/XX/XXXX are missing.also the loan was paid off XX/XX/XXXX.on my credit report it is showing a payment made 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 has violated my federally protected consumer rights to privacy and confidentially under 15 US 1681. 
XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX  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 written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.15 U.S.C . 1681s - ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My husband and I decided to build a home in a rural county in XXXX XXXX. We came across Regions Bank for construction loan via an internet search. Started working with their team. After reviewing our finances and credit history, we were offered a 5.5 % interest rate on our loan. The loan team from the bank requested that we sign and execute the contract with our builder in order to start the process and we complied. Little did we know that the bank has not done the contract review or builder approval prior to this. So during the contract review and builder approval process, the loan team started making demands to the builder to alter the contract, provide his personal credit information etc. Despite us requesting that we be kept in the communication loop, we often came to know of these demands by the bank from the builder. Now that our builder has the signed contract from us, he has no reason to oblige to these demands from the bank. And for us, since we had signed the contract, we were at risk for being sued by the builder if we were not to proceed with the construction. 
The contract had stipulated that we pay about 40 % of the cost up front for the builder to block the cost of the materials and gain the spot in the line with the sub contractors. Bank did not agree with this and builder declined to make changes to this clause. In order to keep the construction still a possibility, we agreed to put down this amount as down payment and have the remaining 60 % as the loan amount. Bank demanded that we provide them with proof of this payment inorder to process the loan, which we did. 
Even after this, bank continued to demand further changes in contract clauses from the builder. XXXX 's lawyer recommended not making any such changes and we were left with no choice, but to find other options for funding the construction. 
Now that we had signed the contract and paid 40 % to the builder, we had no choice but to use our " nest egg '' to proceed with the construction. 
Bank later communicated with us that they are ready to approve the loan, waiving all the requirements from the builder. At this time we were worried about what other requirements would be put forth when the builder submits the request for withdrawals at different stages of construction. 
In nut shell, the Regions Bank put as at risk of being sued for not complying with a contract with the builder ; and also at risk of loosing 40 % down payment to the builder if we had not been able to secure the finances by liquidating our assets.
Product: Mortgage

All I am trying to do is get the completed modification paperwork that I requested over 3 weeks ago. I am trying to do a refinance and the underwriter is asking for the completed documentation of the modification we had 4 years ago. I have called and emailed them repeatedly and every time they tell me they will mail it to me or email the document to me and I still have n't received the paperwork. I am going to have to pay for an extension on my locked rate because this is all we are waiting for!!!!!!
Product: Credit reporting or other personal consumer reports

Several Hard Pulls on my credit I don ' t recognize. 
Wrong address 's Called XXXX and informed a couple years ago they put a statement on my report and more hard pull enquires still being done.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I took out a loan With Loan at Last for XXXX. The APR for this loan is 640.11 %. I would end up paying {$3200.00}. at the end of the loan. 

I have since found that Florida State law has deemed payday loans APR would be no more than 18 to 25 %. Also found that Loan at Last does not have a business license With Florida deeming this loan to be void and uncollectable. 

I have filed a complaint with the XXXX  and offered to pay the premium of XXXX and wanted a refund for XXXX, the amount that I have over paid. They refused and keep saying that state and federal mean nothing to them that they fall within tribal sovereign laws. 

The Florida statute also states that my signature and the lenders signature must be on the loan agreement, mine is the only signature on the documents, ( e-signed ) everything was completed online. 

I have sent a letter of revocation of ACH to loan at last, stopped direct deposit and just closed my account because my account was overdrawn because of loan at last. and my bank launched a fraud investigation on XX/XX/2020.
Product: Mortgage

I have held a mortgage with PHH Mortgage and its predecessors for the past XXXX years. I refinanced with them XXXX years ago for the same property. Since then, they have instituted aggressive collections calls when my mortgage is not even overdue. I have never paid this mortgage XXXX days late nor have I paid a late fee for being past the grace period. I do n't understand then why they call daily from their collections department every month if I do n't pay exactly on the XXXX. It usually starts with robocalls on the XXXX. And I do n't want to pay them until my tenants ' rents are paid. Their XXXX outsourced call center is incompetent as well. I told them to not call me but they said they would continue to do so. And they call cell and home multiple times. They told me they want me to sign up for automatic withdrawal or they will keep calling. Well, I do n't trust them with my checking account. They have n't proven to be trustworthy. I see no basis for calls when the bill is not overdue. I always pay by the XXXX. Usually the XXXX. I have another mortgage with the same company, and they never call me regardless of when I pay. This second XXXX was n't refinanced and is the original loan. They are both on the same servicing website XXXX It makes no sense and is very offensive. Please help until I can refinance and dump them. The actual loan rate is fine. It is just their utter disrespect and incompetence I ca n't stand. Since when does a company start collections on someone every month and insult someone who chose to keep them when they refinanced? Had I known, I would have found someone else.
Product: Money transfer, virtual currency, or money service

My husband and I tried to pay a security camera installer with XXXX. I never had any problem before but it didnt go through this time even I put him in my contact beforehand. Its been pending over a month and weve been called Citibank more than 15 times but they say theres nothing they can do or no specific reason. Today finally I got a person in charge with XXXX and she asked me what your case number is. She was saying the compliance team was supposed to email me about it. Nobody emailed or called us to explain whats happening our XXXX payment. Im afraid that our installer might sue us for this.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX account # XXXX & XXXXXXXX XXXX XXXX  account # XXXX has violated my rights. 

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

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

XXXX XXXX XXXX is falsely reporting an alleged 30-day mortgage late payment on a joint mortgage I have with a family member. 
I contacted them through my Loan Advisor to get them to delete the false late but they responded saying no. 
Because, since that alleged late payment ( XX/XX/XXXX ) they since transferred the Servicing to XXXX XXXX XXXX ( XX/XX/XXXX ) I can not access the actual pay history in XXXX XXXX 's portal or any other way. 
I provided XXXX XXXXXXXX XXXXXXXX XXXX Statements from my family member which clearly show EVERY SINGLE PAYMENT XX/XX/XXXX-through XX/XX/XXXX paid within 30 days of the due date. They are not acknowledging the fact. 
XXXX XXXX