23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

DMI claims that we did not make one of our mortgage payments ( for XX/XX/2020 ). We have made every payment on time ( we do it through automatic payment through our local bank ) and have done so for the past 8 years on this mortgage. I provided proof of payment as well as tracking numbers for the payment as soon as I was notified by DMI. However the problem is still not resolved. I have been trying to work with DMI customer service for months ( calling in near weekly ) to resolve the confusion. Always the answer I receive ( week after week ) is that the research department is working on it, but nothing ever gets fixed. Our credit scores have fallen due to DMI misreporting that we've missed a payment. This has large financial consequences anytime I want to apply for other financial services and credit is pulled. I have asked that this be fixed. I also do not have a correct 1098 form to do my 2020 taxes. I have spent so much time on the phone with DMI trying to help, and again nothing. The problem persists. I have given up working with DMI as no matter who I talk to ( customer service reps and 'managers ' ) nothing is fixed or progressed.
Product: Checking or savings account

On XXXX XX/XX/year>, TD Bank NA decided to end its relationship with me and close all my accounts due to suspected fraud. After TD Bank closed its investigation, I was told that the funds would be released to me ( no later than XXXX XX/XX/year> ) as a certified check. On XXXX XX/XX/year>, I contacted TD Bank NA to check on the status of my funds. I was told the accounts were compiled, but after XXXX XXXX, the bank lost track of my {$6900.00}. from XXXX XXXX, I contacted TD Bank Fraud , Demarketing, and Customer Service Departments and received various conflicting responses regarding the status of my funds. Finally, I went to my local branch again on XXXX XXXX. I was told that the funds would not be released to me as they were determined to be obtained fraudulently ( the funds were direct deposits of military pay, VA payments, unemployment payments, and Department of Education payments, as well as my husband 's income from the Town of XXXX, MA ). I was told that the funds were returned to " the creditor. '' However, the above institutions have not received returned funds from TD Bank, NA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX will not remove a paid collection from my credit report. The balance owed was {$130.00}, which was paid in full in XX/XX/XXXX. I filed a dispute with XXXX  in XX/XX/XXXX and XXXX XXXX XXXX reported I still owed the amount. I called XXXX XXXX XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and each time I was told the account had been paid off and the collection would be removed from my credit report. It is still listed as a collection and should be removed.
Product: Debt collection

On XX/XX/XXXX, I reviewed my credit and noticed Hunter Warfield was reporting as an outstanding collection account. The same day I mailed a debt validation notice requesting the method or verification. I received no response. On XX/XX/XXXX, I sent a certified mailed letter with a second request for a method of verification. I also requested an original contract with original signatures and if the documents were unable to provide the requested documentation, I requested for the item to be removed from my credit report. As of today, XX/XX/XXXX, I have not received any of the requested information and the debt is still reporting negatively on my credit. Secondly, Hunter Warfield currently does not have a valid business license in the District of Columbia. The District of Columbia requires each entity conducting business in the District to have a General Business License from the D.C. Department of Regulatory Affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I paid the mortgage at the end of the month which it was not 30 days past due and the company reported it as 30 days past due and when I wrote a letter for them to fix it they told me to go to the credit bureaus that it is their problem and the credit bureaus said it was the mortgage company that had to fix it. I havent been 30 days late and I would like this to be rectified and since the mortgage company and credit bureaus will not help I am seeking your help with this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report. I have circled the items I dispute on the attached copy of the report I received. 



Disputed Item ( s ) : Inquiry : CBNA CITI CARDS CBNA CBNA XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX/dept of ED XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX C 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: Debt collection

I thought I paid off my amount on a credit card back in XXXX. I never recieved any mail stating I still owed for this card. I got a letter from a debt collector and they are stating I owe {$660.00} from the closed account. I never knew this account was closed or still had a balance. I checked the amount and on XXXX, XXXX XXXX and the account states that I owe {$660.00}. I do not understand where they are getting the extra 33 cents and I mailed a letter to dispute it as well.
Product: Checking or savings account

I had several fraudulent transactions debited from my account while I was XXXX  they are trying to collect this debt and make me liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing GLOBAL LENDING SERVICE inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit.

U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 
Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to XXXX & XXXX documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am writing to formally dispute the inaccurate late payment information reported on my credit report for my XXXX XXXX account number : XXXX. Despite multiple requests for correction through dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no resolution has been made. This constitutes a violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). 
FCRA Violations 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the maximum possible accuracy of information in consumer files. The persistence of incorrect late payments for XX/XX/XXXX and XX/XX/XXXX on XXXX and TransUnion demonstrates non-compliance with this mandate. 
15 U.S. Code 1681e ( b ) : This provision obligates credit bureaus to adopt reasonable procedures to maintain the accuracy of credit file information. The inaccuracies on my report suggest a failure to uphold this standard.

TILA Violations 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The late payment notations are inconsistent with my payment records, suggesting non-compliance with this requirement.

The Truth in Lending Act also emphasizes the necessity of accurate and timely disclosures, which have not been upheld in my case, causing harm to my creditworthiness and financial standing. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties on consumers. The inaccurate late payment reports for XX/XX/XXXX and XX/XX/XXXX violate this act, as these late payments were incorrectly recorded and not reflective of my payment history. 
Evidence of Error Account Details : Account Number : XXXX Account Type : Installment Auto Loan Monthly Payment : {$260.00} Balance : {$6300.00} Open Date : XX/XX/XXXX ( TransUnion ) ; XX/XX/XXXX ( XXXX ) Payment Status : Current Last Reported : XX/XX/XXXX Two-Year Payment History : TransUnion : XXXX XXXX payments noted for XX/XX/XXXX and XX/XX/XXXX. 
XXXX : XXXX late payments noted for XX/XX/XXXX and XX/XX/XXXX. 
Desired XXXX XXXX removal of the inaccurate late payment notations for XX/XX/XXXX and XX/XX/XXXX from my credit reports with TransUnion and XXXX. 
Written confirmation of the correction. 
Failure to resolve this matter will leave me no choice but to escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action under the provisions of FCRA, TILA, and PAANL. 
Please address this issue promptly and confirm the resolution in writing. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I am asking that you address the issue with PayPal and assist me in getting my money back that PayPal illegally froze and kept without explanation. They charged XXXX? To an outside pay card for a subscription that I was in jail when this subscription was started. How do I start a subscription in jail? Additionally, how are they charging my card in 2021? When it's been over a year, and they never charged me any time during that year and then out of the blue they charged me XXXX? So why did they not charge me all year? They froze both accounts and gave no legal reason as to why they froze them. However, they took their fee and if they took their fee they acknowledged the legality of the transaction correct? So the XXXX XXXX dollars they processed as a payment from a service I provided to a customer. For them to charge the free was XXXX dollars? Something like that, but they didn't report the payment as an error the gentleman who called me tried to say that he felt the payment was incorrect and that I should explain to him or admit that it was illegal. It was not illegal and if it is not illegal then why freeze my payment and then my accounts? So could I please get your help in returning my money? They refused to reopen my money and the customer service representative refused to provide an identification number that would allow you all to address this issue directly. There is another payment XXXX dollars that was charged for a subscription that was cancelled and the card should not have even been on the subscription. So why charge me XXXX dollars for a cancelled subscription with a card I never used for that subscription and then they sent the XXXX contacts to XXXX where I no longer stay. The XXXX dollar subscription I never signed up for and was in jail. So that was illegal and all the money they took for that what is that? Also there is the issue with the PayPal credit card that was used in XXXX Florida at wood you furniture. So what happened with that? I reported it to PayPal and they started that I couldn't get the card cancelled and I couldn't use the credit but it was on my credit report so someone fraudulently used my name to steal credit or money. I been dealing with the identity theft for all of my life and most recently in the last three years I felt the effects brutally.
Product: Mortgage

When we had a closing dated last XX/XX/2018, i have knowledge that my taxes from XX/XX/XXXX to XX/XX/XXXX ( last quarter of the year ) was paid and included in the closing cost. But i received noticed and billed from XXXX City Treasurer that {$570.00} taxes was due on XX/XX/2018. I immediately called Rocket Mortgage to asked what is going on and contacted escrow company ( XXXX XXXX ) why it was not paid yet but i have not received any respond. I paid my taxes 3 days before i got the penalty. But now, Rocket mortgage still not doing anything to deduct taxes from my monthly mortgage and they still included the escrow amount on my Principal and interest.
Product: Mortgage

When refinancing our mortgage away from Shellpoint loan servicing in XXXX/XXXX 2020, we attempted to stop an unnecessary payment of > {$4300.00} on XX/XX/XXXX we were told not to make as our loan was about to be payed off. When I attempted to stop the payment on their web site, it would not allow me and repeatedly crashed. When I made repeated attempts to speak to someone at Shellpoint to stop the payment, I was shunted off to one department after another and repeatedly told the payment couldn't be stopped or canceled. I ultimately told my bank, XXXX XXXX after the payment was made against my wishes, to stop the ACH payment and reverse the charge. When I finally got ahold of someone at Shellpoint who said " Oh, anyone you spoke to could have stopped the payment. '' he said he'd clear it up and they'd refund the money, sending a check. Since I had told my bank to reverse the charge I called Shellpoint and asked what to do with the check and they told me not to cash it since the bank had already reversed the charge. They did NOT tell me to send it back because it was a cashiers check and they did NOT tell me there was a payment delinquency registering against us because of this. Later, after we refinanced, I received a bill for a mortgage payment from Shellpoint. I called and asked if anything was wrong and they said to ignore it, there was no problem. Fast forward to XX/XX/2020, and I find my family 's credit is damaged because that bill they told me to ignore was listed by them as resulting in a delinquent payment, which they subsequently reported to the credit ratings agencies, resulting in severe damage to our credit while, in fact, Shellpoint repeatedly failed us and lied to us, ourselves never having missed a payment we were supposed to make. Now our credit is tanked because Shellpoint is incompetent at accounting and staffed by incompetent, dishonest representatives.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submission, Equifax consistently responds within 24 hours, stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 u.s.c 1681i, Which mandates a reasonable dispute investigation. Furthermore, Equifax [ 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 u.s.c 55361 ( a ) ( 1 ) ( A ) - ( B ), as highland in the CFPB [ S recent administrative proceeding ( FILE NO XXXX ) against them for taking action to ensure Equifax complies with federal law and provides computers with the necessary proof of investigation.
Product: Credit card or prepaid card

This is a complaint against Chase Bank for violating my federally protected consumer rights. 

I contacted the XXXX XXXX XXXX, directly but have not received any response. 

*NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT* I recently received a copy of my XXXX, XXXX, and XXXX XXXX XXXX. I noticed that it is reporting my experience with CHASE BANK. The line of credit I have with your CHASE BANK. The line of credit I have with CHASE BANK, which is characterized as utilization on my consumer reports, CHASE BANK IS ILLEGALLY REPORTING THIS EXPERIENCE, ( utilizations ) on my consumer reports. 

Amazon Chase Credit Card Account Number : XXXX XXXX XXXX XXXX CHASE BANK is in clear violation of the law. Pursuant to 15 U.S. Code 1681a2 ( A ) ( i ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer, ( ME ) and the person, ( YOU ) CHASE BANK, Making the report is not included on my Consumer Report! 
Utilization is an experience with the line of credit that was extended between the consumer, ( ME ) and the person, ( YOU ) CHASE BANK, the person making the report is NOT INCLUDED on my Consumer Report! CONGRESS clearly states that the report of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the Consumer Reports!

YOU HAVE VIOLATED THE FCRA 15 U.S. Code 1681a2 ( A ) ( i ), by reporting this transaction, or experience ( Utilization ) on my Consumer Reports, which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below or delete all utilization from the below account : Amazon Chase Credit Card Account Number : XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above utilization will result in legal action being taken against CHASE BANK, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent, Non-Compliance.

3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act, 15 USC 1681 for violations under willful and non-compliance. 616. 15 U.S. Code 1681n.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX, Date opened : XX/XX/2023, Amount : {$1500.00}, I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence 1 provided, causing ongoing harm to my credit standing. am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

My loan, which is being serviced by Specialized Loan Servicing, was charged a fee of {$25.00} on XX/XX/2019. When I called to learn the cause of the charge, the representative told me that I was charged for requesting a payoff statement. While I did order a payoff statement online, there was no disclosure that the request for a payoff statement would result in a fee. This practice of charging a fee without properly disclosing is clearly an unfair and deceptive practice. 

Additionally, when I spoke with the representative on XX/XX/2019, she indicated that should could not log a complaint over the telephone, but rather, I must send a letter. She indicated that she would log a dissatisfaction
Product: Credit reporting, credit repair services, or other personal consumer reports

In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, OR INQUIRIES, IN DISPUTE AT ALL. See Police Report, for all accounts, addresses, and inquiries, below, need to be BLOCKED AND DELETED IMMEDIATELY, Effective this Tuesday, the XXXX of XX/XX/XXXX, at XXXX XXXX XXXX, noon, as a result of being a victim of Identity Theft, losing my Birth Certificate, Social Security Card, and Drivers license, in the XXXX, of XXXX XXXX XXXX XXXX, XX/XX/XXXX. Peace and blessing! 

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 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 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 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 or other personal consumer reports

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent inquiry on my credit report XXXX XXXXXXXX XX/XX/2021
Product: Mortgage

Several unforeseen circumstances led us to enter mortgage forbearance. During forbearance our mortgage was sold THREE TIMES and we landed with Flagstar Bank. It was not the original bank we chose nor did we agree to the following : Flagstar has been apparently monitoring our home, and subsequently us.

They have left obscure notes at the front door with their phone number. They do this when were gone, meaning someone is watching us.

This is harassment of the HIGHEST order.

When called they say it is their protocol to make sure were taking care of the home.

This is the most stressful disgusting practice and it needs to stop.

They have no right to trespass and harass people whos rights under the cares act remain intact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., permission. 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 XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX Original creditor XXXX XXXX XXXX/ XXXX Balance : {$1400.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.