23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My wife XXXX XXXX and I rented an apartment from XXXX XXXX XXXX in XXXX FL. We tried to pay the landlord twice and she rejected our payments that cause us to fall behind. We moved out before an eviction was filed. We were notified by and attorney from XXXX GA we owed {$4900.00}. The apartment was clean and no damage was done. I have photos and videos. This amount is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are unauthorized. These unverified and unauthorized items must be removed per my rights under FCRA ( Fair Credit Reporting Act ). 

XXXX XXXX  XXXX XXXX - DATE XX/XX/2021 XXXX XXXX XXXX XXXX  - DATE XX/XX/2021
Product: Mortgage

So me and my father have a loan on our house with Freedom Mortgage. my father filed bankruptcy in XXXX and it was put in bankruptcy to retain the property. so I filed bankruptcy in XXXX and retained the property. ever since then freedom mortgage was not applying our payments to our house loan They were saying that we were behind on payments since XX/XX/XXXX I had called them numerous times to figure what was going on with our account since it was stated from them we were delinquent on our mortgage and that we were sending partial payments. we were not we were sending the payments that we were supposed to pay according to our statements. they have always added late fees and broke up our payments when I have checked our account on website. every time it was stated different amounts that we owe. which I had spoke to a supervisor after trying to talk with a customer representative that each one never knew what was going on with my account everybody had a different story. the supervisor had told me to send all proof that payments were made and she would look into it, there response was we are investigating it and that was last year.we have never been able to clear this problem up and it is still continuing to state we are delinquent and we are not. I am so stressed out from them not fixing there problem with my account and throwing the blame my way they say they have been trying to contact me and they have not they are lying they have all phone numbers and my email. so as of yesterday I receive a letter from them that this account is still behind and it was stuck in my door with not return address and hand written. they have not tried to fix this problem in any shape or form. I need some assistance with them I think they are trying to get more money and trying to foreclose when I don't think I'm in the wrong there not treating me fair.
Product: Mortgage

Complaint Title : Escrow Mismanagement and Unjust Charges for Non-Existent Township Taxes Issue Summary : I am a homeowner with a mortgage serviced by Selene Finance. In their recent escrow analysis, they included a charge for township taxes, which do not exist in Texas. Despite requesting clarification, Selene Finance has failed to provide legitimate documentation to support this charge. 

Additionally, I have already made a significant payment to cover all missed escrow payments, including property taxes, insurance, and other fees. However, Selene Finance has now informed me of a large escrow shortage, which I believe is the result of their mismanagement or error. They are incorrectly claiming that I owe township taxes when Texas does not have such a tax. 

This has caused confusion, stress, and unnecessary financial strain. I have attempted to resolve this issue directly with Selene Finance, but they have not provided any satisfactory explanation or resolution. 

Details of the Problem : XXXX. Escrow Shortage An analysis performed by Selene Finance indicated an escrow shortage of {$7900.00}. However, I made a large lump sum payment that included property taxes and insurance to cover any previous missed payments, which should have resolved the escrow shortage. 
XXXX. XXXX XXXX  Selene Finance claims that I owe township taxes, but Texas does not have township taxes. I have repeatedly requested clarification, but they have failed to provide documentation or proof of this charge. 
XXXX. Lack of Transparency and Response Despite my requests for further explanation, Selene Finance has not provided sufficient details regarding the origin of these taxes or corrected the error. 
XXXX. Previous Negligence in Mortgage Insurance Payments In addition to the escrow issue, Selene Finance failed to pay my mortgage insurance in a timely manner, which led to the cancellation of my policy. After several calls, I was able to resolve this, but it took significant effort on my part.
Product: Money transfer, virtual currency, or money service

I am writing to normally express my concerns regarding Zelle handling disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit inquiries on XXXX XXXX it is showing 5 hard pulls for Barclays cards. I did not do this I applied for this card over 2 years ago and only 1 hard inquiry should be reported. There are 5 of them which is affecting my credit score. I did not do the other 4
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information to apply for credit with XXXX/Avant in my name on XX/XX/15 that I did not authorize. I called XXXX/Avant and spoke with XXXX who sent my info to the fraud department. They requested that I send them an id theft affidavit. I sent it to them via certified mail. I've heard nothing back and the inquiry is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Date XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Student loan

The school I was going to was a waste of student loans. The school was not teaching everything needed they only wanted the money. I graduated from the school but it has been very hard to find a job in my profession due to the lack of knowledge that was paid for but not taught.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Transunion dropped my score by XXXX points for a remark on my mortgage account that has been there since XX/XX/XXXX. That remark has never impacted my score. I filed a dispute and Transunion increased my score by the same XXXX points on XX/XX/XXXX. On XX/XX/XXXX Transunion again dropped my score by the same XXXX points, giving the same reason for the drop. I have a XXXX XXXX on time payment record and that was the case for the last XXXX XXXX no collections, no public records, basically no negatives whatsoever, so there is no legitimate reason for the drop on XX/XX/XXXX, which is why they increased my score by that same XXXX points on XX/XX/XXXX. Transunion can not explain the drop on XX/XX/XXXX which is why they restored the points on XX/XX/XXXX, but did not restore the XXXX points when they dropped it on XX/XX/XXXX. They can't explain it and asked me to wait XXXX hours for it to go back up. It has been a week and no one at Transunion including supervisors knows why and keep giving me talking points that I already know. I am locking in a mortgage rate soon, and I can't do this every month and their response that it is the system makes no sense because the information on my credit report is the same for the XXXX XXXX before the drop and the month after the drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK USA N # XXXX. This was a paid for deletion account. I agreed to pay and they would remove this account from my credit report and the payment HISTORY is inaccurate as has been paid for quit sometime now and still reporting negative information as of XX/XX/2020. 

Please deleted ASAP as agreed for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FRCA The Term Investigate consumer report Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by transunion [ ] for the period of XXXX 2024 of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX INQUIRIES : XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Dispute this account with original creditor and they have response back stating they don't have an account in my name therefore unable to verify this account. However the credit bureaus Trans Union and XXXX   wont delete this unverified account. I have enclosed proof i don't have an account with XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that is listed on my credit report under my rights granted by the Fair Credit Reporting Act FCRA. I recently obtained a copy of my credit report and identified the following account that I believe are incorrect and should be removed. I am a victim of identity theft that has affected me. Recently, btw XXXX, I discovered that my personal information was used without my authorization to make unauthorized transactions. I did not give permission for anyone to use my identity, and I believe this activity constitutes identity theft. I have since taken steps to address the situation by filing for a police report and contacting the companies involved. I submitted the police report to these companies. Despite these efforts, the fraudulent activity has caused significant distress and inconvenience. This account is negatively affecting my credit score and do not reflect accurate information. I am requesting that these items be investigated and, if found to be inaccurate, be removed from my credit report. Please conduct a thorough investigation of these items and remove any information that can not be verified as accurate. I am also specifically requesting : XXXX. The name and contact information of the person or entity you interviewed during the verification process. 
XXXX. Any documentation or records that were used to verify the accuracy of the information in question. 

With all due respect I dont want the results to come back as verified because I do admitted I opened the account under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) but along the road my information was exposed in a data breach and there was numerous fraudulent transactions which led my account to be closed. 

According to the FCRA, you are required to investigate my claim and respond within XXXX  days of receiving this letter. Please inform me of the results of your investigation in writing and provide me with an updated copy of my credit report reflecting the changes. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Mortgage

Our forbearance with monthly agreed payments began XX/XX/XXXX and ended XX/XX/XXXX. We have not missed any agreed upon payments. Per agreement, we resumed regular monthly payments in XX/XX/XXXX. We had a loan modification approval in XX/XX/XXXX. However, the Mortgagee apparently ignored arrangements by recently making an 11th hour claim that we owe money since XXXX! We have not to date received any detailed proof of the varying figures claimed. We have lived at our residence for over 12 years. 
Your assistance on this matter will be appreciated.
Product: Credit reporting or other personal consumer reports

Dispute letter to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO WHOM IT MAY CONCERN Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly. 
This collection account is reporting not only as OPEN but also shows past due balance of {$13000.00}. 
According to FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. 
Please provide a copy of my new credit report reflecting the account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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: Vehicle loan or lease

Credit Acceptance offered me an opportunity to settle on my auto loan balance this year with 90 day payoff. Last year, I attempted to settle and was told there are no payment plan options. I didnt get the options for settlement to be rectified in 90 days. Credit Acceptance did not provide full transparency and disclosure to me to cure account. Credit Acceptance is also reporting an repossession on my credit report. They state that they repossessed the vehicle when I was clearly told that the vehicle was not recovered or salvageable. I was also told that they didnt find value so the loss was considered bad debt. Credit Acceptance have use tactics that do not show full disclosure of terms or conditions offer to consumers for fair reporting.
Product: Credit reporting or other personal consumer reports

Per section 605 b under the Fair Credit Reporting Act the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my rights to have fraudulent information blocked and permanently removed from my credit report within 4 days from the date of receipt of this letter I request the removal of all these unauthorized inquiries due to identity theft
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX XXXX XXXX XX/XX/2025 Subject : Dispute of Repossession Entry in Violation of 15 USC 1681i, 15 USC 1681s-2, and UCC 9 Part 6 Dear TransUnion Disputes Department , I am writing to formally dispute the inaccurate entry related to a repossession appearing on my credit report. The entry in question violates several federal statutes and uniform commercial codes, specifically : 1. 15 USC 1681i : The Fair Credit Reporting Act ( FCRA ) requires that all information in a credit report be accurate and verifiable. The repossession entry you have reported does not meet these standards. Upon my review of the account, I have found discrepancies regarding the accuracy and completeness of the information you are reporting.

2. 15 USC 1681s-2 : Under the FCRA, the furnisher of information ( in this case, the lender or creditor ) is required to investigate and correct any inaccurate or incomplete information provided to credit reporting agencies. I have reason to believe that the creditor has not fulfilled its obligations to provide accurate and verifiable information regarding the repossession. As a result, this entry should be corrected or removed.

3. UCC 9 Part 6 : Under the Uniform Commercial Code ( UCC ) governing secured transactions, the repossession of property must follow specific procedures, including proper notification and the right to redeem the vehicle or property. If these steps were not followed correctly, or if the repossession was conducted in violation of the UCC, the entry should be removed from my credit report.

I request that you conduct a full investigation into this matter, including verifying that the information provided by the creditor is accurate, complete, and in compliance with the applicable federal laws and UCC provisions. Additionally, please provide me with the following : * A copy of any documents or communications from the creditor related to the repossession and their compliance with relevant laws.

* A copy of any notice of the repossession, including proof of my right to redeem or contest the repossession.

Please investigate this dispute promptly and notify me of your findings in accordance with the 30-day investigation requirement under 15 USC 1681i . If the repossession entry can not be verified as accurate or if it was performed in violation of the laws referenced above, I request that it be removed from my credit report immediately. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I sent in several disputes to remove or correct an account on my report. I have full ownership of a vehicle and I have the title to the car and XXXX refuses to correct the information. I was told that I can only dispute an account with them one time only as they have already found the account to be true and i am unable to resubmit a dispute or further submit documents proving my case. I have called several times and spoketo numerous employees and no one will help. I have sent letters and have gotten no responses. This account is no delinquent and this car has been paid off. It is showing as a reposession and a bad debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - XXXX XX/XX/2022, I disputed a fake name and place of employment on my credit report. The dispute was resolved by Equifax in less than three hours. The Employment was corrected but the name was not. Equifax informed me that they contacted the company and asked them to investigate. My last name is XXXX, and Equifax has reported my name as 'also known as XXXX XXXX On XX/XX/2022 I mailed them a letter requesting the name and address of the company reporting my using that name. They received that letter on XX/XX/2022. I did not hear from them, so on XX/XX/2022 I wrote a second letter requesting again that information. By not contacting me with that information, they are refusing to give me that information. I can't dispute it again because they refuse to let me. I can not send any documentation because I don't have anything that says I used or did not use that name. They are refusing to allow me access to the information so that I can not go any further.
Product: Credit reporting or other personal consumer reports

My wife reached out to XXXX XXXX for an insurance quote on XX/XX/XXXX and was told that they would not provide a quote due to claims history on a CLUE report from Lexis Nexis. She obtained information that some of the claims belonged to my father. She requested reports from Lexis Nexis on XX/XX/XXXX for review. Upon receipt and review, we emailed Lexis Nexis the details that I am disputing on XX/XX/XXXX and received an automated response. We received an additional email a few days later instructing us to submit the dispute through their portal which was done on XX/XX/XXXX including copies of my ID and a bill showing my name is XXXX and my home address ( which is different than the information on the dispute which shows XXXX and my father 's address ). We received letters from Lexis Nexis dated XX/XX/XXXX and XX/XX/XXXX stating that the information in dispute was unverifiable. We called LexisNexis on XX/XX/XXXX and the clerk stated she would submit disputes on the items in question. When asked why this was being resubmitted, when it had already been submitted to them twice, she stated that they are governed by the FCRA and have 30 days to investigate. Given that these disputes were initially filed XX/XX/XXXX and again on XXXX, we are beyond the 30 day mark. I do not feel that Lexis put any effort into investigating the dispute, thus requiring me to call again which they say resets their 30 day mark. The claims in question clearly show a different address, XXXX, or XXXX within the claim data, and given that I have provided my license and the bill showing XXXX and a different DOB and address this should have been an easy fix. Additionally, Lexis did not reach out to obtain any additional information that could have cleared up the dispute such as my father 's ID or other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE OPENED A PAYDAY LOAN UNDER MY INFORMATION ONLINE ... I DONT KNOW WHEN OR HOWS MUCH, BUT IT IS ON MY CREDIT REPORTS.. PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681section 604 a section 2it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Credit card opened XX/XX/2015 which is now closed. I was only an authorized user on this account and I am not financially responsible.