23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

IN XX/XX/XXXX I moved to a new town and pulled my credit and found that a XXXX XXXX court house placed a debt for XX/XX/XXXX on my report. I called them and the state office XXXX and paid the debt and received receipts and letters and paid additional fees to cover court cost to remove the lien on XX/XX/XXXX it was entered paid and released. However for the last nine years I have disputed this off and on with the credit bureaus and they continue to report it as unpaid. The item was paid in XX/XX/XXXX and both the XXXX attorney Generals office XXXX and XXXX XXXX Court Records division claim they removed it from reporting in XX/XX/XXXX when my spouse spoke to them this week they this is the credit bureaus error. I attempted to dispute online and it automatically states that all I can do is submit a statement due to a fair credit report act regarding disputing an item 2 times. However, the item continue to be incorrect as the fee was paid as evidence by the copy of my receipt and letter from the court below. In addition, I understand that paid tax liens must be removed after seven years from a record. This has been reporting now for 9 years. XX/XX/XXXX filed with court paid and this is XX/XX/XXXX XXXX 9 years ) I feel my federal rights are being violated and it significantly is lowering my credit score. I am asking this be removed immediately and not placed on again. This is a 9 year old paid tax lien and needs to be removed.
Product: Credit card or prepaid card

During a trip through XXXX airport on XX/XX/XXXX I stopped at the United Club to get information about accessing that benefit and were provided with a brochure that indicated {$0.00} annual fee for the first year on this card. The United Club representatives at XXXX provided me with an agent code for that offer ( XXXX ) and indicated that the offer expired XX/XX/XXXX. I submitted my application on XX/XX/XXXX, received instant approval, and have since received and verified my card. I was charged the {$520.00} annual fee on XX/XX/XXXX. I contacted customer service on XX/XX/XXXX, spoke to a manager, and was advised to file an escalation through via Secure Messages online. 

The response I received was that the cardmember bonus attached to the card is XXXX miles after spending {$3000.00} by XX/XX/XXXX - not the offer extended on the brochure and not an offer that I would have considered applying for. 

On XX/XX/XXXX I submitted a a question to see how I can change to a no annual fee card, knowing that simply canceling the card would damage my credit score. The subsequent response indicated that the card is not eligible for a " product change '' until XX/XX/XXXX. 

I have not used the card, the only charge is the annual fee. 

The pertinent pages of the offer brochure are attached ( front & back, pages 2-3 with the agent code, fine print pages ). The other pages just highlight other card benefits.
Product: Mortgage

Following the sale of the property our mortgage was paid in full in XX/XX/XXXX and we have yet to receive our escrow refund check in the amount of {$1500.00}. We have called Lakeview Loan Servicing on XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, and now XX/XX/XXXX. Each time we have been lied to regarding the refund status. Excuses have included representatives claiming they are submitting new refund requests only to find out during the next call they never did send in the request. We have also been told multiple times they are issuing a check and we should see it in 7-10 business days and the check never shows up. We have also updated and verified our current address multiple times, since they first claimed the check was sent to old address, which also had a forwarding service set up.
Product: Credit card or prepaid card

I applied for an extension of credit on XX/XX/2022 and received an adverse action letter stating I was denied. 
Chase stated in the attached letter the reasons for their decision was based on items that were on my XXXX credit report. I did not give them written permission for them to access my credit report. Company procedure does not supersede federal law. This is a direct violation of my rights as a consumer. 15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right. 15 USC 1602 ( p ) makes it clear that they committed fraud and used my credit card ( social security card ) without my authority and I received no benefit. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights.
Product: Credit reporting or other personal consumer reports

I have disputed the public records report to all three major credit agencies. XXXX, XXXX, and Experian in which they all stated that the United States bankruptcy court verified the accuracy of the public record, which is inaccurate the United States bankruptcy court, do not report or verify to major credit nor any consumers. I am requesting due to my fair credit act and the inaccuracy of the credit rules in the United States bankruptcy court response. I am requesting that the public record and the items disputed on the public record and deleted.
Product: Credit reporting or other personal consumer reports

Looking into my report, I notice the report states that I have 3 late payments on a account that I was never late on. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy which is not with this account. I have never been late on payments for the account with XXXXXXXX XXXX XXXXXXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payment be updated to on time as they should be as I was never late on this account with XXXXXXXX XXXX Thank you for your time.
Product: Credit reporting or other personal consumer reports

this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Product: Debt collection

This was an account that was opened in my name by my son without my knowledge. Please remove this item off of my credit report immediately before i pursue further action.
Product: Debt collection

The following Creditors XXXX XXXX XXXX, XXXX and Chase bank have " charged off '' my debt to the IRS ( not to be confused with discharged due to bankruptcy ) they are listed on my attached credit report line item # 3 XXXX ) line item # 8 XXXX ) and line item # 13 Chase Bank. I have attached the bankruptcy documents signed by Judge XXXX. Since these creditors had already charged off the debt prior to the settlement, these funds forwarded to the banks by the trustee need to be returned to the estate in full and closed out. The addresses and contact information are included on my attached correspondence. Thanks you in advance for your help with this situation. regards, XXXX.
Product: Mortgage

JP Morgan Chase admitted to making an error, in regards to the Assignment of mortgage. Also, in regards to communication tactics, JP Morgan Chase stated a message was left via voice mail. JP Morgan Chase claims this message was left on XXXX. I am NOT the legal owner of said number, which could possibly reflect my personal information, in regards to my account could have been disseminated to the incorrect party. My contact information, in regards to prior complaints, was the same then, as is now. In regards to notes on this account, I am in possession of a certified check receipt, issued to JP Morgan Chase, on behalf of the XXXX, on or about XX/XX/XXXX. Also, I am possession of payment receipts made, in regards to this account, from several financial institutions. I have also been able to obtain the exact copy of the VA Streamline application, which was sent to me from JP Morgan Chase, which hereby provides concrete proof of the second mortgage not being subordinated. I have also managed to obtain all copies of my credit reporting files, from XX/XX/XXXX, until XX/XX/XXXX. Inside the body of these credit reports, there are serious, as well as major irregularities, with the manner to which it is being reported. I have also obtained cell phone records from XXXX The time period is from XX/XX/XXXX, until XX/XX/XXXX. JP Morgan states there were several attempts to contact me, via telephone. I am in possession of a letter, sent by JP Morgan Chase, any and all attempts to contact me via telephone, would cease. Also, JP Morgan Chase states I attempted a loan modification under the Soldiers and Sailors Relief Act. Knowing that I left the military, in XX/XX/XXXX, I knew applying for this loan type would be of redundancy. I recently returned from cleaning out my storage area, and every document mailed to me, from JP Morgan Chase, and any party involved in the life of the loan, dating back to XX/XX/XXXX, were in boxes. Uploading of these files are considered cumbersome, as the total size of the files are over 26 gigabytes.
Product: Debt collection

I 've never received any letters or phone calls concerning this supposed debt. This is my former place of employment, and at the time of my resignation, funds were withheld from my paycheck to cover this amount. This was submitted to collections in absolute error. What I did owe at the time was already debited against my final paycheck from XXXX XXXX.
Product: Debt collection

Debt Validation Request for Account Number [ XXXX ] Dear [ LVNV FUNDING ] I am writing in response to your recent communication regarding the alleged debt under the account number referenced above. Under my rights as provided by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. I do not acknowledge this debt, and I am requesting further information to verify its validity. 

Please provide : Proof that you have the legal right to collect on this debt including documentation that shows your authority to act on behalf of the original creditor, or proof that the debt has been assigned or transferred to you. 
Details of the original creditor including the name, contact information, and any relevant account numbers associated with this debt. 
Complete breakdown of the amount owed including the principal, any fees, interest, or other charges that may have been added.

Payment history showing how the alleged debt balance was calculated and any payments made on the account. 
In addition, I request that you cease all collection activities, including reporting this debt to credit bureaus, until you provide proper validation. 

Please be advised that this letter is a request for information and not a refusal to pay. Once I receive the requested information, I will determine the legitimacy of the debt. 

Thank you for your prompt attention to this matter. I look forward to receiving your documentation. 

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

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, 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
Product: Checking or savings account

I want to sue this bank for discrimination they treat me horrible wont allow me to bank with them at all I apply for a chase prepaid any product they refuse this is not fair I have dont nothing wrong they are the ones at fault I want to sue them I need address and to know what I have to do my identity has been stolen and I cant bank with them I want to sue them I need to know where I have to go and the process
Product: Credit reporting or other personal consumer reports

I am a victim of Data Breach and fraud has occurred involving my personal information Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B 15 U.S.C. 1681c-2 I formally request a fraud block to be placed on my credit report. Accounts listed as follows XXXX  XXXX Acct # XXXX XXXX Acct # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Record Type XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I bought my home XX/XX/XXXX for the amount of {$220000.00}. The home was appraised closing with a value of {$260000.00} at closing. When purchasing the home I did not provide a downpayment in the amount of 20 % of the home value, therefore I had to purchase private mortgage insurance ( P.M.I. ) on the home until 20 % of the home value was paid off. 20 % of {$260000.00} is {$53000.00}. This means I would have to owe ( $ XXXX- {$53000.00} ) {$210000.00} or less for the P.M.I. to be taken off of my monthly mortgage payments. According to law, the lender should take the P.M.I. off of my loan once the 20 % is met. At the time of closing my borrower did not provide me a PMI disclosure form to identify when the 20 % mark would be met. 

When closing on my home my loan was thru XXXX XXXX XXXX, for the past 5+ years my loan was taken over by Wells Fargo Home Mortgage and they are my current lenders. I have never missed or been late on a mortgage payment. 

In XX/XX/XXXX I reached the 20 % mark on the value of my home. Starting XX/XX/XXXX I have owed {$210000.00} or less on my home. As of XX/XX/XXXX I owe {$190000.00}, this is far beyond owning 80 % or less of my home value. 

I have reached out to Wells Fargo to have the PMI removed from my mortgage payments, but they refuse. Wells Fargo has stated that I must pay off 22 % of the " loan '' before PMI can be taken off, and that the 20 % is not based on the value of the home at closing. 

It was never identified to me at closing that the 20 % was based the " value of the loan '' and not the appraised value of the home at closing. This information is new to me and in XX/XX/XXXX I do not believe this was the agreement at closing. I would like to receive some evidence that I agreed to an otherwise condition against having the PMI be based on the value of the home at closing.
Product: Mortgage

This is related to complaint # XXXX. I am helping my father and mother with this complaint. Upon speaking with my Dad when I returned from a business trip, he told an appraiser " strong armed " him into allowing him to appraise his condo. They represented Champion Mortgage. My Dad also told me Champion Mortgage had called and harassed him about going to the tax collectors office and providing proof he paid his taxes. The taxes have been paid for the year and my dad referred them to the XXXX XXXX records. This company continues to harass my parents, threaten them and they still not credited his account back for erroneously force placing an exorbitant amount of flood insurance wrongly, as outlined in the previous complaint.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this matter. All other legal and government agencies have been notified. Under the FCRA fraudulent items must be removed immediately or legal action will be taken against the credit reporting agencies.
Product: Credit card

I have XXXX claiming I open up an account in XX/XX/2013. 
I stated I did not open the account nor authorized a account to be open with this company. They sent me to collection company name portfolio recovery who hired a company to sue me Rausch, Sturm, Israel, Enerson and Hornik, LLC and Hornik XXXX sent a summons civil but no answer or reply letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 ( a ) ( 1 ) says The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. On XX/XX/2022 I sent a letter to Experian pointing out inconsistencies in several accounts reporting on my Experian consumer report. I asked that if any information reporting on my Experian consumer report wasn't 100 % accurate that it be immediately deleted from my consumer report. My certified mail tracking # for the letter is XXXX. It is now XX/XX/2022 and there are still a multitude of inconsistencies reporting on my consumers report. Experian stated that these accounts were investigated properly, but how is that possible with so much inaccurate information still reporting? 15 U.S.C. 1681i ( a ) states that if Experian can't provide proof of these inaccuracies these accounts must be deleted. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 602 A which states I have the right to privacy as well as 15 U.S.C. 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the ongoing issue with my credit report. Despite my numerous attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. The presence of this account has led to a reduction in my XXXX XXXX, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau. Evidence demonstrating the inaccuracies on my credit report, including any relevant documentation or statements refuting the late open account. Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial XXXX  and setbacks. I am concerned that these inaccuracies XXXX further impact my ability to secure housing, employment, or access to credit services. I request an immediate and thorough investigation into this matter. Please help me correct these late open accounts and remove the late closed accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Citizens One failed to process a change of insurance that was submitted via XXXX back in XXXX or XXXX. XXXX billed me via my auto insurance policy after 2 months of not receiving payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm attempting to use the site : XXXX XXXX XXXX to obtain my credit report from Experian. I've attempted this three or four times over the last two or three weeks. Each time, after filling in the form, I get the message below. This may have been fine for a day, possibly a few days, but for this to go on for weeks and months is unacceptable and needs some oversight to get them to solve this problem. Yes, I can request my report other ways, but that's why this system exists. 
Thanks for looking into it. XX/XX/2021. 
======================================================== We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA XXXX
Product: Mortgage

I have been trying to get another loan modification since XXXX, 2020 with Loancare/XXXX XXXX. I am retired on a fixed income and can't refinance! I also don't have enough equity for a reverse mortgage! I know the process because I was one of the first customers to try to get a loan modification under President Obamas Making homes affordable program! It took two years and a bout of XXXX to secure the initial loan modification. I don't want to go th that again! It seems very obvious to me that Loan care is trying to discourage me! That won t happen! They keep asking me for more documents I've already sent several times! I've had to restart the process about four or five times now! Loan care makes it near impossible to actually conduct business with! I even contacted their Corp HQ! My loan is a XXXX XXXX, so I will contact them too! I requested a single point of contact several times! They've given me two! I'm never actually able to speak to them! Its very frustrating and I can't afford an attorney, but if CFPB or XXXX XXXX can't help, I might need an attorney! Please advise me, if possible! Loan care, LLC Loss Mitigation dept and Corp hq is XXXX XXXX XXXX, XXXX XXXX, VA XXXX! Loss mitigation dept is XXXX XXXX! Thanks!!
Product: Credit card

My phone was stolen on XX/XX/XXXX and subsequently hacked. I noticed that my accounts with XXXX, XXXX XXXX, and Wells Fargo were all being wiped out, based on my email notifications. I promptly suspended my phone, logged out of all my online banking applications, and changed all of my passwords, including my emails, my XXXX account, and all my bank accounts. 

I filed a claim with XXXX XXXX for an unauthorized withdrawal of {$550.00} through XXXX and another claim with XXXX for an unauthorized transaction through XXXX XXXX, totaling {$170.00}. Fortunately, both of these claims were successfully resolved, and my money was returned. 

Given that my phone was hacked, and my secured accounts were breached, leading to the leakage and depletion of my bank accounts, I filed a police report. However, Wells Fargo has continued to deny my claims even after providing them with the police report and informing them of similar incidents with my other bank accounts. I have ample evidence, including screenshots, a phone bill reflecting the need for a replacement phone, and the fact that {$1200.00} was transferred from my credit card to my checking account, followed by transfers of {$500.00}, {$500.00}, and {$280.00} out of my checking account using XXXX. 

Ive submitted three claims to Wells Fargo, but unfortunately, only a {$60.00} cash advance fee from my credit card to my checking account has been credited. This entire experience has made me seriously consider closing my Wells Fargo account and seeking alternative banking options. Despite multiple calls and efforts to provide evidence, nothing has been resolved to date.
Product: Debt collection

I have disputed this account with Commonwealth Financial and they have sent me nothing at all. I do not know who they are or why they are on my credit. On my credit, it says there's a balance of well over {$1000.00}. You would think for that kind of money, Commonwealth could at least write me a letter. Sheesh. I am asking you kindly to investigate their willful negligence. I believe in the United States, reporting invalidated information constitutes defamation of character, as well as willful negligence. PLEASE HELP ME!
Product: Credit reporting or other personal consumer reports

DEAR, EXPERIAN WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF ( FRAUD/IDENTITY THEFT/A CRIME )... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT.