23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been attempting to short sale my property for several months. I received a HUD Approval to Participate in a pre-foreclosure sale in XXXX. It took a few months to obtain an offer that meets the ATP terms, but one was finally received and faxed to Flagstar on XX/XX/2019. The assigned underwriter, XXXX XXXX, advised the file was selected for audit and should be completed by XX/XX/2019. That date came and went, but we have received no short sale updates. Worse, Flagstar is now refusing to take any accountability for receipt of the offer. XXXX adamantly asked that my agents stop contacting her via email for updates and only call to the account management team via phone. When they call the account management team, anyone they talk to, two agents now ( XXXX and XXXX ), both advise several times now that XXXX is the only person who can give an update on the short sale. While my agents have emailed XXXX back with the account management teams rebuttal that she is the only one who could provide an update, she has stopped replying to us all together and we remain completely in the dark. The buyers are requesting updates and I am concerned that Flagstar 's staff 's lack of accountability and games in pointing the finger back at one another will lose us this buyer and I will be needlessly forced into an avoidable foreclosure.
Product: Credit reporting 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. 


Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # 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 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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

After obtaining a Wells Fargo loan on a used XXXX  from XXXX XXXX, there were several issues from the start including thousands dollars of tax charged that even after multiple attempts to remedy, as my home state, New Hampshire does not have sales tax alerted me to the fact that they had refunded the amount from the loan to the dealership who then blamed it on Wells Fargo and years went by without remedy of loan amount adjustments or a refund from the dealer. 

After learning of my scheduled payments not being received due to a security breech from my bank which had always made auto payments as scheduled, I was made aware that there was theft in my personal account and all proper reports and paperwork were completed. I then contacted Wells Fargo to make payments and inquire about excessive and unexplained charges and fees. Despite my attempts to remedy any issues, the Wells Fargo representative said they refuse to allow me to make payments and my car loan would either need to be paid in full immediately or it would be repossessed. I pleaded for clarification and to speak with someone else to which I was dismissed and rudely had my call ended. I was well into my loan and my car had little to no mileage and actually was valued well beyond my overdue payments or even the loan balance. After repeated attempts to remedy, they sent someone out to repossess my car with all of my belongings as well as that of my childrens sports equipment and expensive camera equipment that was loaded up for my next job. Without any information or ability to reclaim thousands of dollars of my personal items, illegal charges, and deceptive practices, I was informed that I would be receiving some financial remedy for a class action suit. I received nothing and despite my ability to remedy or pleas for consideration, I too was a victim of their deceitful practices. I will not sit idly while big corporations to capitalize on their power to exploit their customers and would like clarification and an update on my settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an 8+ year old collections account open on my credit report regarding a utilities bill from 2014. The collections agency, FINANCIAL DATA SYSTEMS XXXX, keeps updating the dates to keep the account current. This should have fallen off of my report by now, and I've already submitted disputes with the credit reporting agencies regarding this account several times.
Product: Credit reporting

TransUnion is reporting inaccurate information in my credit report. There are XXXX negative items ( XXXX, XXXX ) being reported for more than 7 years since the first delinquency day. One month ago I submit a dispute, but the results came back with different days and not corrected.
Product: Checking or savings account

I had an mobile deposit from a loan company they shut my debit card off and said I need to call the bank when I did they said they thought it was a scam well they locked my checking account out to where I can't withdraw my money they have take. An overdraft charge out of it I was not overdraft it has been almost 3 week the check has not been returned and I got an email to state that the mobile deposit had been approved and processed they won't let me into my account to get my money they said they are closing my account on the XXXX and that if I had anything left they would send it in a cashier 's check to me. They have already charged me an overdraft charge and the mobile deposit was approved I'm dealing with us bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes with the all three credit bureaus and I haven't received anything from them. This shouldn't take more then the 30 days required for them to reply to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, TRANSWORLD SYSTEMS I add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA TRANSWORLD SYSTEMS I has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I have identified multiple accounts that I believe contain errors. I request an immediate investigation and correction of the following accounts : XXXX. XXXXXXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX  XXXXXXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$5700.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2100.00} XXXX. XXXX XXXX, XXXX. 
Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$22000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$950.00} Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of consumer reports. If these accounts can not be verified as accurate, I respectfully request their removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute US BKPT CT TX XXXX XXXX  XXXX Account number XXXX on my credit report several times as inaccurate ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ) as not mine but the credit bureaus have verified that it is accurate. I mailed a letter to the county records office ( XX/XX/XXXX ) pertaining to US BKPT CT TX XXXX Account number XXXX where this occurred and they replied on XX/XX/XXXX stating that they do not send information to the credit bureaus. This is where I am confused because after reading the law the FCRA if the original creditor or institution can not verify the information then the credit bureaus reporting it have to delete it. I sent this into the credit bureaus as well along with the paperwork from the county record office and it seems like they are not doing ANY sort of investigation which they are required to
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX
Product: Credit card

I called Arvest Bank to make a credit card balance transfer to XXXX XXXX XXXX for the amount of XXXX. I received a letter back postmarked XXXXXXXX XXXX XXXX from the president of credit card division of Arvest Bank. The letter read that they were pleased to inform me that the following balance transfer has been processed. The letter included XXXX XXXXXXXX XXXX with the last 4 digits of account number and amount of XXXX. It read please allow up to ten business days for check ( s ) to be completely processed. I waited at least 3 weeks before I called them back. No response, no action taken by the company. On XXXXXXXX XXXX XXXX, I went to a local branch to speak to an Arvest Bank representative. This was 37 days after the XXXXXXXX XXXX letter from president of credit card division. She said she would e-mail me back with an answer from the accounting department. There was no response and no action taken by the accounting department.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my 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 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, credit repair services, or other personal consumer reports

On XX/XX/2022, my XXXX XXXX XXXX account was compromised. The majority of my bills are paid from this account via autopay and have been for years. I went in the same day and closed the compromised account and opened a new one. I then contacted all my payees and submitted the new account information. Everything went as planned until XXXX. I received a notification from The Money Source ( my mortgage company ) stating that my bank declined payment. I gave The Money Source the new account # and explained that I've been on autopay with them since opening my account with them. Also that they had received 2 payments already from the new account, so how did a different # suddenly get associated with my bank. Things seem to go back to normal so I thought. I XXXX XXXX, I got another notification from the Money Source stating the payment was declined by XXXX. I then called XXXX and did a 3 way telephone call to The Money Source.. The XXXX agent told the Money Source agent that the issue was on their end by inputting the old account #. We don't understand how that could happen when The Money Source had been receiving payment with the new account number then arbitrarily began using the old number. This caused a hit on my credit report for a late payment in XXXX. I have had perfect credit for more than 5 years, this set me back into fair status. I have contacted The Money Source via phone and email, my attorney even wrote a letter. They will not take accountability for their mistake and I am paying for it.
Product: Debt collection

In 2020 I did a voluntary surrender of my truck due to the covid pandemic and not being able to afford it. Ally Financial sold the truck and passed the remaining balance to a debt collector XXXX XXXX XXXX. Ive had my bank send them checks every month for {$100.00} since we were made aware of the remaining balance that was owed. I have never missed a payment in the few years Ive had this collection. I noticed that this XXXX my payment wasnt collected, but XXXX had been. My husband had contacted XXXX which his was then informed that Ally took back the payments. He spoke with three different people within two companys and no one could tell him any information about our account, balance, anything. He asked for a letter that had their letterhead with an address, phone number, account number, balance and dated. The customer service person told him no that he could set up our payments with them. Which my husband said no I want a letter with all of the information I asked for. We want the extra proof from our bank that checks are sent and cashed. The customer service person refused. This was on XX/XX/XXXX. We have still yet to receive any kind of noticed of who actually has the debt on our truck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to their customer support and I was informed that the date of service and date of last activity on this account was XX/XX/2013. That is well past seven years and they are in violation of the Fair Credit Reporting Act. I do not wish to pursue an attorney for this violation of the FDCPA but will have to if they do not oblige my request. Again, my intent is not to file a lawsuit, I simply want this removed from my credit report as it is illegally being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE OF {$290.00}, {$1800.00}, {$180.00}, {$630.00}, {$240.00} Account Name : XXXX  XXXX / Account Number : XXXX & XXXX / Description : XXXX XXXX XXXX  XXXX XXXX Account Name : XXXX & XXXX XXXX XXXX Account Number : XXXX / Description : XXXX  Account Name : XXXX XXXX/ Account Number : XXXX / Description : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX / Account Number : XXXX / Description : XXXX Account Name : XXXX XXXX XXXX XXXX / Account Number : XXXX / Description : XXXX XXXX XXXX  This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

It has been well over 30 days and I have not received any proof of response to these alleged debts thus should be removed. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Best, XXXX XXXX XXXX
Product: Mortgage

This mortgage account originated through XXXX ( XXXX XXXX ) on XX/XX/XXXX. JP Morgan Chase began servicing the account shortly thereafter. In XX/XX/XXXX, the account had fallen under pre foreclosure. Assistance was provided by the Commonwealth of PA. Account was brought current through this process. There was a third lien placed on the property address, by the Commonwealth of Pennsylvania, in regards to this account. The property was put up for short-sale, in XX/XX/XXXX. This is about the same time the deed was transferred from XXXX to Chase. When the first pre forclosure was initiated, the property should have been properly titled. This is an obvious attempt by Chase to hide the fact the property was not properly titled. This explains my difficulty in attempting to refinance the property between XXXX and XXXX. I am hereby granting the CFPB permission to access my files with JP Morgan Chase. Thank you.
Product: Checking or savings account

Banking fees charged to my account excessively. The more funds added to my account the more fees popped up. Opened account XX/XX/XXXX. No additional fees up to Mid XXXX. 

XXXX deposited {$13000.00} fees assessed were {$240.00} XXXX {$28000.00} fees assessed {$70.00} XXXX {$14000.00} fees assessed {$1000.00} As of today XX/XX/XXXX ... .My account is $ XXXX I have had to take out 3 loans and I am still unable to keep a positive balance. I have made disputes and requested my account be reviewed and I have only received {$700.00} returned to my account. Deposits are being made but I can no longer keep up with my growing negative balance. Please help!!
Product: Student loan

Have called XXXX countless times to attempt to fix their incorrect calculation of my PSLF payments. In addition to a bogus counting system and inconsistencies they also have miscalculated my paperwork several times when competing my annual renewal and failed to correctly add my wifes payment/info. Due to their wrong calculation I made over payments for months until I found. It and forced them to have upper management look at it and recalculate without a sorry or reimbursmemt.
Product: Credit reporting or other personal consumer reports

Round XXXX to Creditor Notice to Agent is Notice to Principal, and Notice to Principal is Notice to Agent XXXX XXXX XXXX, I am writing in regard to an alleged late payment you reported to [ Experian/TransUnion/Equifax ] on my account. The reported payment is identified as late, and I would like to address this matter based on the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 
Under 15 U.S. Code 1681a ( 2 ), the term consumer report does not include any report that contains solely information regarding transactions or experiences between the consumer and the person making the report. As such, my transactions and experiences with your company are excluded from the definition of a " consumer report '' and, therefore, should not be reported to any credit reporting agency. 
You do not have the legal right to furnish this information as part of my credit report, as the law explicitly excludes this type of information from being included in consumer reports. 
Furthermore, under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has followed reasonable procedures to ensure that the periodic statement, which includes the information required by 15 U.S. Code 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

To justify reporting a late payment, you must prove the following : 1. Proof of Compliance with 15 U.S. Code 1637 ( b ) : You must provide evidence that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date.

2. Detailed Documentation : 15 U.S. Code 1637 ( b ) outlines specific information that must be included in the periodic statement. I request that you send me all documentation showing that the statement met the requirements and was mailed or delivered within the specified time frame.

I am requesting this information in good faith under Rule 1002. You are required to provide me with the requested documentation within 10 days of receiving this notice.

Please do not respond by claiming that you are reporting " accurate '' information, as I have not received the necessary proof of compliance with 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) and 15 U.S. Code 1666b & 1637 ( b ). Without proof of compliance, you have no basis for reporting the payment as late.

If you are unable to provide the necessary proof of mailing or delivery of the required information under 15 U.S. Code 1666b, you are not authorized to report this payment as late, which constitutes a violation of 15 U.S. Code 1681s-2.

You are required to either provide the requested documentation or delete the inaccurate late payment entry from my credit report within XXXX calendar days from the receipt of this notice. 
Late Payment ( XXXX ) in Question : XXXX XXXX XXXX XXXX Sincerely,
Product: Debt collection

We subscribed to XXXX XXXX XXXX XXXX XXXX for our home in XXXX, Florida for a period of time during XXXX After an in-person consultation, we agreed to do a basic service focused on keeping our lawn green and provided a credit card for payment. The service went on as planned, but we noticed areas in our lawn where their services did not result in the intended improvement. The Manager sent folks out for additional treatments on these areas as a result. There were no extra charges as these were a remedy for their lack of performance. At some point during these extra treatments, their dispatch team decided to also send people to put down other treatments. Since they often visit during the hours we work away from the home and were coming by frequently, we didn't check with them each time to see what the treatment was and whether it was something we agreed to. Browsing my credit card statement one day, I noticed that they had been double charging my account vs. the agreed upon price across multiple months. Their phone team claimed it was an issue on their end and said it would be refunded. Over the next month, it wasn't and then they transferred me to a different representative when I called. That person said it was for additional services that I signed up for and when I said that we hadn't signed up for anything, they said that their notes said we did and it was up to us to pay them. We absolutely did not want anything other than the lawn fertilization and should not be held responsible for the poor management of people by their local team.