23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is in reference to a mortgage held with United Built Homes and the delays we have faced in trying to get an accurate payoff amount from them in order to refinance at a lower rate.

We entered into a Mortgage agreement with United Built homes on XX/XX/XXXX to build a new home on a property we already owned. The agreement was that XXXX year would pass and no payments would have to be made. After XXXX year, and little to no progress made on the house, we began making payments in XX/XX/XXXX. Due to extreme delays by the builder ( United Built Homes ) as well as lack of quality / design failures in the construction, we hired an attorney and were able to secure payment extensions which included the Mortgage payment and the Escrow payment to be waived as to avoid court costs or mediation. These extensions covered the period XX/XX/XXXX to XX/XX/XXXX when the house passed final inspection. 

We have been on time with payments since payments resumed and have made them within the grace period every month. 

I called UBH Finance on XX/XX/XXXX to request a formal payoff amount to refinance. I received a verbal quote from the person on the phone, who said they would email the amount to me. The amount was never sent. 

On XX/XX/XXXX I had my attorney send correspondence to request the payoff from the legal department as there were inconsistencies in the payoff amount. As I stated previously, the escrow portion of our payment was waived by UBH as part of our extension/written agreements and they were showing a negative escrow balance. My attorney requested the escrow balance to be corrected as UBH granted us an extension on the escrow payments as well as the mortgage payments and that we should not be penalized for this. There was no response. 

My attorney followed up again on XX/XX/XXXX and as of today, XX/XX/XXXX, there has been no response. 

This is an unreasonable delay on this request by UBH as well as trying to penalize us for the extensions they agreed upon due to multiple failed inspections ( including a failed structural engineer report ) on the build.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and Transunion are in violation of the FCRA section 609, advising that verifiable proof must be provided when requested if consumer is disputing the accuracy of information listed. I have sent several disputes the latest being sent XX/XX/XXXX via certified mail asking them to abide by the laws and show proof of a Chapter XXXX Bankruptcy listed. I sent in proof from the XXXX Georgia Bankruptcy court that they do not provide any information or verification to any credit bureaus. I also contacted XXXX XXXX and confirmed there is a freeze currently in place that prevents ANY third party from obtaining any credit or financial information, including public records. The notice I received from bothXXXX and Transunion on XX/XX/XXXX states that they verified this information with Lexis nexis and that is not true ( see screenshots from Lexis nexis ).
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Against Equifax for Non-Compliance with Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am writing to formally file a complaint against Equifax Information Services LLC for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX. Despite sending multiple dispute letters requesting the removal of inaccurate, incomplete, and unverifiable information from my credit report, Equifax has not acted in accordance with the FCRA. 

Summary of Events : First Dispute Sent : On XX/XX/year>, I sent a letter to Equifax requesting that they remove unauthorized and inaccurate credit inquiries and accounts from my credit report, including inquiries from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX, among others. I also requested verifiable proof of the accounts in question ( Gougis_EQ ). 

Second Dispute Sent : On XX/XX/year>, after not receiving a satisfactory response, I sent a follow-up letter reiterating my request for the removal of the same unverified inquiries and accounts. I emphasized that Equifax is required by law to provide a description of the procedure used to verify the disputed information ( XXXX ). 

Third Dispute Sent : On XX/XX/year>, I sent a third letter after still receiving no action from Equifax. In this letter, I requested once again that Equifax provide proof of verification or promptly remove the items in question, including accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( XXXX ). 

Despite these efforts, the unauthorized inquiries and inaccurate accounts remain on my credit report. Equifax has failed to provide the necessary documentation to verify these inquiries and accounts, as required by the FCRA, Section XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 

Items to be Removed : XXXX XXXX XXXX XXXX, Hard Inquiry, XXXX XXXX XXXX Hard Inquiry, XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX ( XXXX XXXX  ), Account : XXXX... ( and others ) Request for Investigation : I am requesting that the CFPB investigate Equifax 's non-compliance with the FCRA. I also request that all unverified and unauthorized inquiries and accounts be immediately removed from my credit report. I have attached copies of the letters I sent to Equifax and proof of their receipt. 

Please feel free to contact me if any further information is required. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX  Account number : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX time share is a scam using fraudulent bank called COMINITY CAPITAL / XXXX XXXX  that lends money to XXXX on our names without our knowledge and we are obliged and penalized further by the credit rating agencies like XXXX, ( XXXX and others ) relay this false scam in our credit reports. 
XXXX made a fraudulent contract with all lies using smart cheaters who spoil the vacation of the gullible. 
I dispute the XXXX contract # XXXX Please see the fraudulent agents of XXXX warned not to invite tourists especially in Florida and call them inside XXXX XXXX ' hotels, lies and create accounts on our name in a fraudulent bank called COMENITY CAPITAL BANK XXXX Comenity bank then sends money to XXXX and bills us. XXXX, XXXX and XXXX etc are then make bad credit rating XXXX based on fraudulent XXXX AND COMENITY CAPITAL BANK. 
WORKING WITH XXXX IS ALSO A PAIN AS THEY SEND PAGES AFTER PAGE OF DATA WITHNO CLEAR ANSWER. 
Please ensure XXXX contract # XXXX is cancelled as told them by mail immediately after we came back in 5 days. XXXX is also very difficult to communicate as their associates are trained not to answer or cancel contracts as requested. 
XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Checking or savings account

Line of credit with loan number # XXXX, has been closed twice with former branch Key Bank XXXX XXXX a year or XXXX ago in the XXXX XXXX XXXX XXXX. Now it shows a new balance plus interest of {$9.00} as XX/XX/XXXX. It is the exact same scenario as the last time. As we closed the line of credit first time, a couple months later we noticed a new balance plus interest occurred on the account that didnt exist. We were told that paperwork was completed. So we went ahead and paid off the balance. Then we closed the account second time. Now a year later, it happens again. 
I went to the bank and talked to XXXX XXXX XXXX. He said he would contact XXXX and she would call me back on XX/XX/XXXX. No one called me from the bank. I called XXXX XXXX on XX/XX/XXXX to follow up. He said stay by the phone, someone will call you.. I did. No one called. I stopped and talked to the new XXXX XXXX XXXX XXXX on XX/XX/XXXX. He took the information down and assured me that he or someone would call. No one calls. So I stopped in today, XX/XX/XXXX. The XXXX was going to send me home and wait for the call but I insisted in talking to the XXXX. So he kindly allowed. 

Im sure I am not the only one that key bank can decide who and when to send a bill to. What they are doing should be publicized to the world. I have been taking XXXX days off from work just to talk to someone in the bank for their mistake this time. All they can do is to ask me to pay off the balance and try to close this account the third time.
Product: Credit reporting or other personal consumer reports

I sent a request to block information on my credit report to XXXX  because it was fraudulent. They sent me an email that they thought i didnt send the request myself and that they are not going to do it. They have to remove these fraudulent accounts from my credit report by law according to t he FCRA.
Product: Debt collection

On XXXX, I purchased an XXXX XXXX XXXX from XXXX store # XXXX, as part of new phone services. Upon return to my home in XXXX, I realize that there is almost no reception, so unable to make phone calls or use the data service. The next day XXXX, I returned the said phone back to the store and terminated the phone service. A return receipt was issued by the store. By XX/XX/XXXX, I began receiving bills from XXXX claiming that I owed {$870.00}, which was exactly the cost of the returned XXXX XXXX XXXX. I made numerous calls to XXXX sales and customer service to resolve the dispute. Customer service concurred that no payment was owed. Sales claimed the bill was valid. XXXX bill is sent to a collections agency called XXXX  XXXX XXXX, who sent me a settlement offer of {$520.00}. I wrote back to XXXX, rejecting their offer, with evidence of the phone receipt. They closed the file. On XXXX, I received notice from a second collections agency called Convergent Outsourcing asking me to settle for {$430.00}. Convergent also registered this debt in my credit report as collection delinquency. I wrote to Convergent with evidence of the receipt and received no response from them. I filled a dispute with XXXX  to address the matter. XXXX  completed the dispute by backdating the delinquency back to XX/XX/XXXX, even though they noted that the dispute qualifies for an FCRA. 
XXXX and Convergent Outsourcing have no factual basis to establish existence of this debt. All attempts to resolve this matter has been unsuccessful. The return receipt is attached with this dispute to show clearly that the store from which the transaction occurred received the phone and issued a return receipt.
Product: Debt collection

XXXXXXXX XXXX mailed prescriptions which I did not request. When I received I called them and the representative confirmed I did not order. I asked if they wanted the items returned- they said no to keep them but I would not be charged. Now they sent the same issue to collections and reported to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

I am the Power of Atty for my mom, who lost her husband in XX/XX/2018. I have been assisting her with her financial affairs. We contacted Everbank ( now TIAA ) in XX/XX/XXXX to inquire about the process to add my mom as the Personal Representative on the mortgage, as it was solely in my step dad 's name. We provided the death certificate and Surviving Spouse Affidavit of Community Property Inheritance at that time. 
In XX/XX/XXXX, we started the process of refinancing that loan ( with another bank ), to pay off this Everbank/TIAA loan. Every communication that we had with TIAA was a nightmare as we were told the request was " in process '' and they couldn't speak to us as we were not " authorized ''. We made multiple attempts to get the Mortgage Verification letter so that the refinancing bank could verify that the TIAA loan was in good standing. Every call, including those escalated to supervisors, ended in frustration. 
The loan was paid off in XX/XX/XXXX and a check was issued for the remaining escrow funds but it was made payable to " The Estate of '' my deceased step father 's name and my mom could not negotiate the check. 
We called XX/XX/XXXX to ask them to re-issue the check and we told that we would need to provide the following items in order to do so : 1. A letter with the detailed request 2. A copy of the most recently recorded Deed of Trust 3. Surviving Spouse  Affidavit of Community Property Inheritance 4. Death Certificate 5. W-9 Form to validate my mom 's SSN We provided ALL of those items on XX/XX/18. I also provided the copy of the Power of Atty to validate that I am authorized to take care of all financial matters. 
I made a call on XX/XX/18 to ensure that all of the documents had been received and to inquire on how long it would take to process. I was told the documents had been received and to expect 30 days to receive the new check. 
I made a call to TIAA on XX/XX/18 to check in on the process and again, was told that the documents have been received, but they are " in review '' and that " these issues are complicated and take time to resolve '' and that I could call back in 2 weeks to check on the status. They would not provide me any additional information or give me any timeline on when we could expect to see the escrow refund. 

This is a pretty simple request and they have been in receipt of every legal document to support our inquiries, requests for information and re-issuance of the escrow refund. We have faxed and re-faxed the SAME documents multiple times since XX/XX/XXXX. We have followed ALL of their instructions and they have been very difficult to work with and are not responsive. 
We DID receive a confirmation that the loan was paid in full and they included the Re-conveyance Notice that was filed with the county. But they have not yet re-issued the check for the escrow balance. I feel that this has been an excessive amount of time and effort to complete and would like this to be addressed and resolved ASAP.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. Hard Inquiries not mine 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 Equifax has XXXX XXXX score dramatically compared to other bureaus XXXX XXXX XXXX by all the inaccurate and XXXX reporting claiming my credit line dropped XXXX from XXXX when it didn't, and balances not updated in months. I respectfully request to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for XXXX purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to CAPITAL ONE, there is still incorrect information on my credit report that they claim is accurate. They are reporting false information and I demand this account be deleted from my report.
Product: Payday loan, title loan, personal loan, or advance loan

Tinder of payment notice of claim to interest 1 attempt I XXXX XXXX. Here on behalf of XXXX XXXX principal. I hereby accept all titles. All Right. All interest. And guaranteed equity owed to principal XXXX XXXX. I hereby instruct CFO/ XXXX XXXX XXXX XXXX To apply principals balance to principals accounts # XXXX # XXXX # XXXX # XXXX. Each and every cycle for set-off. Please apply this tender of payment to the account within 5 business days after receipt of this notice. I also instruct CFO / XXXX XXXX XXXX to communicate through writing if there is any discrepancies within 5 business days. If no communication is made within 5 business days after receipt of notice. Then I can assume that the aforesaid instructions have been completed. XXXX XXXX XXXX XXXX/principal XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to XXXX XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Student loan

I was told over the phone ( about 7 months ago ) by a representative that my private loans had a forbearance window of 36 months over the life of each loan. This turned out to be false, and only applies to my federal loans. This realization forced me to drop my teaching job in XXXX and return home immediately, effectively wiping my savings ( because I had to buy a plane ticket right away ). I am now currently unemployed because I needed to return home, because my XXXX salary could not or can not pay for the monthly loan payment. My loan payments, all private and federal, including Navient and XXXX, will now be $ XXXX in XXXX. Again, this amount would not have been affordable on my previous XXXX income ( $ XXXX ). 

I have asked several times for refinancing options on my private loans due to my unblemished payment schedule and my low income level but no options have been provided. I would like to payback my loans, but $ XXXX is too much for my income level. Please seek reason and offer me some refinancing options, or point me in the direction of a viable loan consolidation agency.
Product: Debt collection

XXXX XXXX was used in XXXX to form a company and fees were paid for their legal services. In XXXX they were notified that the company was no longer in business and their services not needed. The notification was by phone, email, and on the web site. In XXXX and XXXX they continued to charge my credit card for " annual fees '' despite repeat requests to cancel the charges. Refunds were requested with no response. I had to cancel the credit card to get them to stop. I then stopped hearing from them. Then in XX/XX/XXXX I received a collection letter from Caine & Weiner stating they were looking to collect {$390.00} on behalf of XXXX XXXX. They are trying to collect a debt for NO SERVICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate and questionalbe items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting act everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 1 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.