23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was with XXXX XXXX, when the housing market crashed XXXX XXXX XXXX bought XXXX XXXX and sent to a servicer PHH. They, PHH Started placing harassing phone calls with me on the XXXX of the month when my mortgage isn't even due till the XXXX of the month. They charged me late fees on the first of the month as well as " Fees '' and " other Fess '' which they would take out of my on-time mortgage payment. After they would misappropriate the funds they would then place the remainder of my mortgage payment into a suspense-account then report to all three credit Bureaus that I was not making the full payment. When I called them out on this they claimed I also had a shortage in my impound account. They took an entire mortgage payment in " Fees '' then claimed I didn't make the payment at all. When I showed them the Electronic payment information from my Banking institution they then claimed they never received it and that I had to make two payments in order to be current. Mind blowing .... They have erroneously taken through the years thousands of dollars from me they are not entitled to. They have tanked my once XXXX credit score into the mid 500 's as they report to the credit bureaus inaccurate info. When I contacted all three credit bureaus it ceased for 30 days but then PHH verified it was true and correct again. It's a repetitive cycle .... They have me over 30-days late for years now. I've never missed a payment or been 30-days late in the 16 years I've owned this house, which I purchased in XX/XX/XXXX when I was XXXX XXXX in the XXXX XXXX, of which I Retired in XX/XX/XXXX with 24 years service. I can't even refinance my house to get out from under them ... I asked for payment history and they sent me a deed in lieu three times. When I finally received the printout which I had to use a magnifying glass to read because the print was the size of Tom Thumbs fingers, you can see the blatant fraud from their own records. 49 states Attorney Generals have sued PHH for Servicing Fraud already ... They continue the same practices. I have filed complaint with AZ Attorney General as well as Consumer affairs. I am seeking Counsel ... I'm not going to lay down and take it anymore. Something has got to be done about this Company ....
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX XXXX XXXX  lost our XX/XX/XXXX Mortgage payment. We were sending them checks via receipt requested certified mail due to our filing chapter XXXX bankruptcy in XX/XX/XXXX. We have proof ( attached ) that the check arrived at XXXX XXXX  but was never processed. When we discovered our payment had not cleared the credit union my wife call XXXX XXXX. They advised us to wait a couple of days and the payment would be credited to the day they received it. After two more days my wife called again. The Supervisor suggested we cancel the check and send in another check. We sent in XXXX and XXXX payment on the same check. ( attached ) ( Our concern was our Bankruptcy was due to be discharged in XXXX and if we were late on the Mortgage it would void our bankruptcy after 59 of 60 payments to the court ) Attached are records of correspondence with XXXX XXXX : 1. 13 phone calls with dates and names of XXXX XXXX  representatives from XX/XX/XXXX to XX/XX/XXXX trying to get this straightened out. 
2. Canceled checks and electronic transfer records showing we have NEVER been late during the time in question. 
3. Copies of credit reports showing XXXX XXXX  has reported us 30 days late on numerous occasions. 
4. Credit report showing XX/XX/XXXX payment was credited on XX/XX/XXXX and still reported 30 days late for XXXX. 

Since our Bankruptcy was discharged we have been unable to purchase a much needed replacement vehicle due to subprime interest rates. XXXX credit score was XXXX now due to incorrect multiple 30 day late reported XXXX. 

As you will see by the attached documentation I hope other XXXX XXXX  customers aren't put through what we have been through. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$520.00} ( XXXX ) / XXXX ( XXXX ) $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ ( XXXX  ) XXXX XXXX {$0.00} XX/XX/XXXX ) XXXX XXXX {$210.00} XXXX ) XXXX XX/XX/XXXX {$230.00} ( XXXX ) XX/XX/XXXX {$260.00} ( XXXX  ) XXXX XXXX XX/XX/XXXX {$260.00} XX/XX/XXXX {$110.00} XXXX I have sent letters to credit bureaus and XXXX the debtor asking to send me copies of everything they had on file to me and that has not been completed. The response i received was blank white paper with black spots, no picture!
Product: Credit reporting

Dear CFPB, I am having a problem with accessing my credit. I 've applied for XXXX ( XXXX ) credit cards from XXXX. In XXXX 2015, I was denied and the reasons for their decision was credit bureau information missing or unavailable. I made a complaint to XXXX and they gave a response that was somewhat satisfactory. They explained that a initial fraud alert was placed on XXXX credit file. I then resubmitted the same application a month later and was denied for the same reason. I spoke with a supervision in the application dept. on XXXX/XXXX/15 at approx. XXXX and it was suggested to me to contact the CRA and get the initial fraud alert removed because they are not able to see items in XXXX credit file.
Product: Bank account or service

I was added to my uncle account due to his in availability to collect his rent in XXXX, so that when rent is collected I can pay it into his account. Someone else has assume such responsibility and I would like my name taking off the account, only to be told that I am responsible for a credit loan that was given to him prior to them adding my name to the account. I am being asked to pay the balance of the loan of XXXX and also affecting my credit score. I have my own account with citizens bank and I dont want to be associated with the joint account anymore.
Product: Credit reporting

Second complaint against XXXX Bank. Disputed information on my XXXX report and XXXX had both accounts in question deleted. Same dispute sent to Experian. Received results and only XXXX account deleted and the other XXXX updated. Called Experian to find out why. Representative there said that XXXX told Experian they " just wanted to leave that account on my credit report ''. Again, same accounts were deleted with XXXX and should be with XXXX as well. XXXX is not consistent with their reporting practice and is in violation of the FCRA and FDCPA. I will file complaints with FTC and state attorney generals office after this complaint if it is not resolved immediately
Product: Credit reporting or other personal consumer reports

Hello, just want to let you know that I spent a lot of time learning all these nuances of the laws and my rights, yet you guys are just stepping on it - insulting and a defamation of my character, an egregious violation of my rights as a consumer. I have informed you of these errors you made on your end - all in vain, it is as if that you kept on ignoring my claims and turning a blind eye to it for I'm just a mere man, a cog on the system and I had enough - sleepless nights and frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion to remove an item from my credit report it was stated it was removed and then added on withut a 5 day notice which is not legal. It was also in my report as date opened on XX/XX/XXXX but the close date of the account was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Bankruptcy Court Reference # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Harris and Harris have made repeated calls to m home and it is amounting to harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed on my discover bank account was not reporting accurately, I had a late payment on an account that was in fact paid on time. Consumer reporting agencies need to report all information accurately. this account has not been late on any payments on the following date ( XX/XX/23 ) I'm now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus through certified mail.To request an investigation and deletion of this hard inquiry on my credit reports from XXXX. That was over 90 days ago and still haven't heard anything from them. This hard inquiry has caused great hardship, stress, and has made my credit score decrease drastically which has prevented my from getting a home loan etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 Hunter Warfield Inc add a derogatory mark on my credit report per XX/XX/XXXX. upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. also, there was No written form communication, contract, or signature for this accused debt at all. a bill without a signature does not validate the debt and anyone can send a bill and say its mines. according to the FCRA, Hunter Warfield Inc has violated my rights as a consumer and im requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

I am a member of the XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX, at present ). I opened a Chase XXXX credit card account while I was a cadet ( not XXXX XXXX ; not an XXXX or enlisted ; this is XX/XX/XXXX XXXX at the XXXX XXXX XXXX XXXX. After I graduated and commissioned as an XXXX and became XXXX XXXX I requested SCRA ( Servicemembers ' Civil Relief Act ) benefits be applied to my account, namely the ceiling on interest rate charged. I started this process in XXXX through the Chase online and phone systems to no avail. After getting help from some XXXX XXXX lawyers, I subsequently sent a formal package and request via certified mail with all requested proof in XX/XX/XXXX. My request was still denied. The reason given for denial is that Chase is claiming I was XXXX XXXX while a cadet/student at the XXXX XXXX XXXX. The SCRA report shows " XXXX XXXX XXXX '' from XXXX to XXXX and then " XXXX XXXX XXXX XXXX '' from XXXX forward. 

I did not commission into full XXXX XXXX as a XXXX XXXX until graduation from the XXXX XXXX XXXX after I had opened my credit card account with Chase. The XXXX XXXX XXXX I presented this situation to concurred with me and recommended that I try sending a formal package to Chase and then submit complaints to the various consumer protection bureaus if that didn't work.
Product: Credit reporting or other personal consumer reports

We're required by FCRA 605B to delete any incorrect accounts from my credit report. Can you please examine the paperwork? Certain accounts listed are inaccurate in their reporting.
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 XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXX XXXX  - Account ending in XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued 3.

This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. I can be reached at the contact information above if further clarification is needed. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to formally dispute inaccurate information reported on my ChexSystems file related to identity theft and debt bondage resulting from human trafficking. These entries have severely impacted my ability to access essential financial services, and I am requesting an immediate investigation and removal of all inaccurate and fraudulent accounts. 

During the time these accounts were created, I was a victim of XXXX XXXX, during which my personal information was stolen and used without my consent. The financial obligations reflected in my report were not authorized by me and were the result of coercion and exploitation. These fraudulent accounts are clear evidence of identity theft and should not be associated with my personal or financial record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # 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: Mortgage

The home was listed with a realtor on XX/XX/XXXX. The mortgage company was made aware of the listing and it was turn-key ready to go. There was an offer by XX/XX/XXXX, but the mortgage took longer than the 30-day purchase agreement to reply, answer the realtor about the sale. The buyer backed out of the sale. Then Covid slowed all possible buyers and things slowed way down. Second buyer XXXX XX/XX/XXXX, short sale process, it honestly took until late XXXX to get a sale closing date of XX/XX/XXXX. I was so ready to be done, I wasn't going to walk away with a pocket of money but I would have just walked away. I stopped making payments in XXXX of XXXX the mortgage company was fine with that as long as the plan was to sell the property. I have been living with my daughter and her family since XX/XX/XXXX and sole property caretaker of the " listed home '', tending the lawns, shoveling and general upkeep of the home and utilities being paid on time, and checking every day as this home is in MN. As I write this it's -4 with a feels like even colder. So, I'm worried about the water pipes and the furnace failing. Then, something else happened just before the closing date, the buyers lost their jobs and financing. NO sale happened. The realtor had stopped showings and restarted again square one. She honestly has worked super hard on this sale and tried multiple things and every time the mortgage company withholds information that is needed to make the sale. Then, on XX/XX/XXXX, she sent me a document stating that the buyer backed out of the sale entirely because they can not secure financing because they haven't been able to secure a job anywhere because of Covid-19. The same day the mortgage notified me that the home is being foreclosed on because of nonpayment. Is there anything that I can do? I'm XXXX and I'm not ever going to be able to fix my credit to be able to buy another smaller home for myself to retire in. I've spent 25 years of my life trying to keep my home beautiful and kept. To lose it like me is devasting to me. I've been helping my daughter with the bills and trying to keep this house kept. Do you have any help for me? Please help me to save my credit and dignity.
Product: Credit reporting or other personal consumer reports

Wrong information on personal information. Wrong names. My middle name is XXXX they have my name with a middle XXXX XXXX Also has my last name spelled incorrectly my last name is spelled XXXX. I have a father, brother and cousin with the same name but different middle name so I need my report corrected. There is an inquiry for preferred credit and XXXX. I never gave these companies permission for inquiries. I used to have a XXXX account but that was several years ago. I have a social security number that is not mine on my personal information. Last digits of my social security number are XXXX. I believe there are probably so many errors on my account other than the ones stated in this complaint due to having many family members with the same first and last name.
Product: Credit reporting or other personal consumer reports

Contravening the Education and Loan Privacy Act, the school supplies transaction history to third-party companies. Furthermore, there are alleged violations of the XXXX and XXXX Privacy Act of 1974. The IRS Clearly defines a charge-off as a certificate of indebtedness Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of this account inaccurate!
Product: Credit card

I purchased a bed under a promotion from Macy 's using my Macy 's card in XXXX of 2014. The promotion was 1 year no interest if paid before year was up. I set up to receive bills through XXXX Bill Pay online and pay {$75.00} a month in response to bill received. {$75.00} was the amount of the bed divided by XXXX to be sure it was paid by the end of the promotion. That was not the minimum payment, they do not give you the correct minimum payment to meet the promotion, they give you what they consider a minimum payment. Every month for 11 months I received a bill into XXXX and a payment of {$75.00} was initiated, except for XXXX 's bill. It was not received, therefore the payment was not automatically initiated and paid as it had been for the past 11 months. So when XXXX 's bill arrives into XXXX, it had a late fee and all of the accrued interest charged. 

I called Macy 's and was given absolutely no help. They said they would do a XXXX time courtesy waive of the late payment since I had a perfect payment history. I was then told that in order to initiate an inquiry they would need me to pay all of the past due, which included the interest. I paid the past due only and told them to get the account to someone that could handle it. I should not have to pay then wait for them to refund my money and I refused to do so. I have yet to hear from Macy 's and I have called as well as sent secure messages through their website. When they asked why I had not made the payment I explained that the bill had been delivered to Quicken for all but the last month of the promotion, ironically I might add, and that was why the payment was not made, it was automatic. 

I have asked everyone I have talked to why I would pay more than the minimum payment every month to meet the promotion but not pay the very last month? No one has a good response, because it makes no sense. 

In my opinion this is a fraudulent way of collecting money from consumers by using their reliance on payment systems. Macy 's knows that I use XXXX and they also are in control of sending the bill monthly. There is no way around this being anything but fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is making repeated reports within a month reporting unlawful reports because reporting the same account repeatedly with in the same month is fraudulent reporting. I don't even know who or what they represent.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS 1. XXXX XXXX account number XXXX XXXX - XXXX XXXX 2. XXXX XXXX  Account Number XXXX XXXXXXXX DEPT OF EDXXXXAccount number XXXX, Loan ( XXXX ) 4. DEPT OF EDXXXX  Account number XXXX, Loan ( XXXX ) I TALKED WITH THE DEPT OF EDXXXX ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE XXXX XXXX XXXX WHOS BADGE XXXX IS XXXX. I REPORTED TO ED/XXXX  THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. THE DEPARTMENT OF ED/XXXX  SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. REGARDING XXXX XXXXXXXX, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH XXXX  XXXX TODAY, XXXX AND XXXXXXXX XXXX IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my reports and they keep reporting it. I have provided my credit report showing how they are reporting these inaccurate accounts.