23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to address a discrepancy found on my credit report. Upon review, I noticed inaccuracies in the reporting dates, specifically reflecting late payment that was not accurate. Taking proactive steps, I promptly contacted XXXX XXXX XXXX XXXX rectify the issue, and they have acknowledged the error and committed to correcting the information. 

XXXX XXXX XXXX XXXX. 
I kindly request that my credit report be amended to accurately reflect that the account in question was never delinquent, and any reported late dates be removed.

Your swift attention to this matter is greatly appreciated, and I anticipate the updated information to be reflected on my credit report accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry on my credit report that I have never applied for anything with XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific
Product: Mortgage

Loancare was the servicer of my mortgage. On XX/XX/2021 I refinanced and closed on this mortgage. The escrow funded on XX/XX/2021. Effective XX/XX/2021 Loancare transferred the servicing of my mortgage to XXXX XXXX. Loancare has not acknowledged the mortgage pay off in the amount of {$450000.00}. I have been trying to reach Loancare by phone and email since XX/XX/XXXX, with no response. Their phone system is a endless automated loop without any way to speak with a human. I have also sent numerous emails without ant response. In addition, they have {$2100.00} in my escrow for taxes and insurance. My credit is being damaged as well by not acknowledging payment. This is totally unacceptable. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I walked into the bank and was denied a checking account due to incorrect information on a report from early warning services. I submitted a letter to early warning services to have the negative report remove. Early Warning Services told me that they will not remove the negative inquiry, even though I provided a letter from the company stating that the reporting is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Covid Pandemic period, I was offered a Covid Forbearance plan by LoanDepot. The started XX/XX/XXXX to XX/XX/XXXX. No payments but I had the option at the end of the period to repay the arrears in full in XX/XX/XXXX or Modification plan and arrears will be added to the balance. I accepted the Modification plan in XXXX and made some payments towards the arrears. They stated that no delinquency or late payments would be reported to the 3 credit bureaus. The put me on a trial period plan where I make 4 straight payments then I will have a regular payment plan. I have done everything that was asked of me, and it can be verified. This morning, XX/XX/XXXX, I received alerts from the 3 credit bureaus that I had 120 days late and it dropped my credit scores XXXX points!!!!
Product: Credit reporting or other personal consumer reports

I submitted on-line dispute twice to all three credit bureaus ; Experian, XXXX and XXXX to have them to update my student loans in the amount of {$97000.00} as paid in full and that the account has been closed. Pay off date which is listed in the letter is XX/XX/XXXX. XXXX which is a Department of Education Servicer sent two letters to me to notify me and stated that they have contacted and sent this information to all three credit agencies. When I received the update from Experian and XXXX nothing has change on the credit file ; the amount of {$97000.00} is still outstanding, which effects my credit debt ratio and the account is still open. 

XXXX has been contacted again and stated they will try again and reassured me this information regarding pay off is still listed on their website However, I have retain personal copies of both letters. I tried a third time by submitting the same information in writing along with copies of the letters from XXXX only to receive the same results. 

For the third time I submitted the same information in writing to all three agencies, along with copies of the both letters from XXXX, only to receive the same updated information as of XX/XX/XXXX that the amount of {$97000.00} is still outstanding and the account is open and not closed. I gave both Experian and XXXX a call and spoke with a representative. Both stated that they did not receive any information from me or XXXX and that this information will remain until paid in full and even after being paid in full the information will remain on my credit file for the next 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my Equifax credit scores for a month. Ive tried through the MyXXXX app, XXXX XXXX, as well as the My Equifax app as well. The XXXX app received an error message stating Information from inquiry has been identified as potentially fraudulent or misused therefore the credit report is unavailable. I am in the process of closing on a home and can not proceed with the process until this issue is fixed. My mortgage loan officer has also tried to pull the score and he is getting a message the the information is suppressed. On the My Equifax website it says that the score is unavailable. Ive contact Equifax by phone three times. Each representative advised me there are no fraud alerts or credit freezes so I shouldnt have any issue obtaining my reports. However, I am still unable to obtain this report and desperately need this issue fixed so that I can close on my home as soon as possible, this is the only thing holding up the process.
Product: Debt collection

I sent Prosper Marketplace Inc. a request for validation of a debt which has already been paid but I am yet to receive a response. They have engaged in deceptive, illegal and abusive debt collection practices. I have tried to resolve this account issue directly with them but they refuse to engage or respond.
Product: Mortgage

have a home mortgage with BSI Financial Mortgage Acct # XXXX ) which was initially made with XXXX XXXXXXXX XXXX which was a Home Refi. 
When the loan was closed with XXXXXXXX XXXX, Flood Insurance was not required. Several years after the Refi, I was told flood insurance was required. I furnished the required Flood Insurance Certificate showing that the property was covered. XXXX did not require Flood Insurance escrow for the policy. Several years later the loan was transferred to BSI Financial. BSI also required Flood Insurance. 
Had I known that Flood Insurance was required, I would have not refinanced. I have had a mortgage on this property since XXXX and was never required to have Flood Insurance. 
However, I did purchase my own at my expense the requested policy and furnished policy to BSI, to avoid being charged at triple the cost of coverage purchase by them. I am now being charged by BSI for the policy they purchased thru escrow, so basically I have duplicate coverage.

BSI is insisting that I pay into their escrow account, saying it is a federal requirement. 
Is it a federal requirement? 
However, this Escrow requirement started with the XX/XX/XXXX payment. 
I have made many verbal requests thru phone calls to BSI to resolve this issue, and have not received any satisfactory response from them. 

Is there any way you could assist me with resolving my issue would be appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX  Acct # XXXX Email : XXXX Cell # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that debit that has been written of by the creditor So that means the original creditor has been paid for the alleged debt which is profit. As stated by the IRS anything that is considered as profit shall not be reported on a consumer report. Pursuant 15 USC 1681 S ( 2 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. So, these charge offs are not considered a debt its profit. Therefore, it should not be on consumer report. You have also violated my rights pursuant 15 USC 1681A ( 2AI ) which states that anything considered a late payment should not be on my consumer report. 

It is not my duty to hold you in compliance with the Fair Credit Reporting Act, however it is still my responsibility to make sure every item is reporting accurately so that my consumer report is fair and equitable to me, so take notice. I came across a publication on the Internal Revenue Service ( IRS ) website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON CONSUMER REPORTS which in fact makes your reporting of the following account ( s ) inaccurate. 

" Charge Off '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove the late payments from the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Accounts has violated my rights. 

( XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency furnish an account without my written instructions.
Product: Debt collection

I have been given papers of a court filing for petition for revival of judgement. debt was from XXXX at that time I was married to my ex wife and resided with her and her son, daughter and her now deceased brother in law. I am not aware of this debt and it is not mine. this is the third case of fraud from this time frame.
Product: Debt collection

I check my credit reports several times a month and this collection for {$890.00} from Second Round just showed up on my XXXX  and XXXX  credit reports. I tried disputing them on agencies websites since XXXX. Date opened was XX/XX/2019 according to XXXX  website. My data was breached when XXXX  lost all that data. Why didn't this account show up on my credit reports until Second Round got it?? All of my actual accounts are in good standing and always have been. 

Thanks
Product: Mortgage

I am writing you to officially lodge a complaint against our mortgage company. We went into forbearance on XX/XX/XXXX. We came out of forbearance on XX/XX/XXXX. We made a payment for XX/XX/XXXX unaware that we didn't have to start paying for two ( 2 ) more months. Clearly at the start, the payment we made for XX/XX/XXXX, was applied to that XX/XX/XXXX, and subsequently Freedom Mortgage sent us two ( 2 ) documents stating we had to make our next payment in XX/XX/XXXX and NOT XX/XX/XXXX. One of those documents we had to sign, notarize, and overnight back to Freedom Mortgage, which we did ( documents attached. ) We started paying XX/XX/XXXX, as Freedom Mortgage instructed, and on time every month since then. However, the XX/XX/XXXX payment we made was, according to a representative we talked to, applied to XX/XX/XXXX instead of XX/XX/XXXX when we made the payment. By doing that our account shows as if we are one ( 1 ) month past due. We have contacted Freedom Mortgage ad nauseam about the incorrect application of our XX/XX/XXXX payment. We have tried to have this corrected over the phone many times only to be told three ( 3 ) of those times, " Oh yes, I don't know why that hasn't been corrected. '' We have sent a letter explaining this mistake by XXXX Overnight to have proof of their receipt of the letter. We received no reply. 


I emailed their Loss Mitigation department Monday XX/XX/XXXX, and I called Freedom Mortgage Monday XX/XX/XXXX to see if my email to Loss Mitigation had any results. The woman I spoke to said she could see in our file that it is being worked on, and she said there was a note in our file not to charge us a late fee, indefinitely. To us, this says that they see there is an issue. That is why we are turning to you for help. This has now shown up on our credit reports. We challenged it with the credit bureau, and the late payment was removed, but we do not want this to continue to happen. We feel they made a mistake, and have no idea how to fix it, and that is why it has been five ( 5 ) months now.

ALL our payments prior to Forbearance were on time, and they have all been on time since being out of Forbearance.

We look forward to a speedy resolution to this ongoing misapplication of funds. Please find the attached documents to which I earlier referred. Should you need any other documents, please let us know. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed on my credit report that I have no knowledge of. This was a result of theft or an error.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I transfer {$450.00} via XXXX ( ref. # XXXX ) to XXXX XXXX XXXX XXXX XXXX XXXX, phone number XXXX ( XXXX ) XXXX, XXXX passport number XXXX to buy flight tickets, after I paid her I wasnt able to contact her anymore. I contact my bank Wells Fargo and they said theres nothing they can do about it once I paid via XXXX and it can not be cancelled.
Product: Student loan

They constantly put my account in forebearance or deferent instead of telling me about the income driven program. Which I can have enrolled in years ago.
Product: Checking or savings account

at the end of XXXX i began to have fees placed on my account that would place me in a hardship that i would not recover from. There was numerous fraudulent transaction on my account that they were fully aware of. I was not notified. They simply kep processing them even after the first card was cancelled. i received a bad check from a vendor in XXXX of XXXX with a account balance over XXXX XXXX in checking and XXXX in savings the check. the check was only for XXXX no issue i had money to cover it never the less i didn't spend a dime in that account two weeks prior or any time after four more payroll checks were deposited. i losses it all even with the 25 pending disputes that were in my favor. because the third party merchant informed me that they reversed the payments at question. I called non stop and if they were not hanging up they simply pretended to forward my issues but nothing was done. I loss almost XXXX this created a big hardship for me and my XXXX kids. please help i have all of the needed documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is in direct violation of GRAMM- LEACH BLILEY ACT, 49 CFR 801.56, FCRA, FDCPA and numerous consumer protection violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act XXXX XXXX XXXX without account number, has violated my rights. 

15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I have been trying to get involved with cryptocurrency, so I checked out a popular app called Coinbase. I wanted to just start off very slow so I put in XXXX XXXX and waited about a couple weeks and tried to withdraw it. They say it usually takes about 3-5 business days for it to go through but I have now been waiting since XX/XX/XXXX since it 's been " pending ''. It is now XX/XX/XXXX and the only email replies I get are from bots saying the same thing. I am getting zero help at all from this company and I want my money back.
Product: Debt collection

On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item FRANKLIN COLLECTION SERVICE ( ADDRESS : XXXX XXXX XXXX XXXX XXXX MS XXXX ) Allege Amount Owed {$270.00} I have No knowledge of this accounts.
Product: Mortgage

Dear Sir, I am writing to report that I feel I am getting bamboozled by SLS. I filed a complaint with CFPB on XXXX/XXXX/2016 Case # XXXX. I complained that SLS has overcharged me for the amount of {$1800.00}. The same day XXXX/XXXX/2016 after I filed a complaint SLS executive office called me and they told me that they have reversed attorney fee amount of {$1300.00} and for my XXXX mortgage payment I only owe {$310.00} which I paid on the phone. They told me that the remaining balance of {$460.00} will be investigated. According to the response to CFPB they counted {$34.00} and {$21.00} for fee charges leave a balance of unaccountable fees by pervious servicer of {$400.00}. Please explain if this amount is a fee then why this amount was applied as credit to my principle balance. If this is a financial statue regulations please let me know which one and site the number, so I can stop this investigation. I have called every week and spent countless hours on the phone and every time they open a ticket and no action have taken place. They keep telling me I am in a loan modification process which is not true. My loan was reinstated in XXXX of 2016 and I am not in any loan modification process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 card or prepaid card

i have contacted chase about covid releife for our company credit card and their only solution to close my account instead of lowering my interest rate and they have reported to my personal credit report instead for a company credit card, this is the first time in 3 years they have done this. They reported on my credit for our company card and have destroyed my credit, i have contacted them repeatedly and told them we are not doing to well due to covid in california and they are unable or not willing to do anything to work with me, i have been making payments of XXXX a month and they are not satisfied with that,
Product: Debt collection

Someon stole my identity and use my name and got some phone in my name and it wasnt me .Please get this remove out my name.
Product: Credit reporting or other personal consumer reports

Experian founded and advised that my social security number was found on the XXXX  XXXX. Alert has been placed with XXXX, Experian and XXXX. Attempted to dispute invalid items after gaining access to credit report. These items and inquires have not been verified or removed from reporting under the Fair Credit Reporting Act. Please offer insight.
Product: Debt collection

XXXX XXXX I enrolled in financial assistance on the Bank of America Application. 

I received and email that my payment will be {$320.00} due by XXXX XXXX. 

It was my understanding that the payment was due XXXX XXXX {$320.00}. I received 30 day late credit reporting and an E statement stating Your account is 2 payments past due, with {$540.00} due today. Today, XXXX XXXX before close of business, the day I was advised to pay {$320.00}. Ive been misled by Bank of America deceptive practices and have been negatively impacted due to a written disclosure omitting information on the service. Ive received collections calls on my cell phone number without consent, before XXXX XXXX the date I believed to be my payment date due to the financial assistance agreement I received. The lack of understanding of the reduced payment agreement is due Bank of America withholding the accurate conditions with an account that is current.
Product: Debt collection

This company has sold my credit and put it on my credit report yearl resulting in negative score. The debt is old. So I dont know how it continues to show up as new every few months
Product: Debt collection

I had a outstanding credit card debt with XXXX XXXX. I was contacted by Northland Group XXXX debt collection agency ). I agreed to pay XXXX payments of XXXX to settle the acoustic in full. Upon settlement I was to receive a release from debt letter and upon settlement a deletion letter to credit bureau. As if account never existed. No adverse credit on report. Over two years later after I paid in good faith. Still on credit report terms of settlement not followed as promised. Contacted XXXX XXXX and Northland to no results
Product: Credit reporting or other personal consumer reports

I have been disputing the same accounts for the past couple months which have been coming back as Verified. I received a letter in the mail ( attached to complaint ) from XXXX XXXX  XXXX stating that my information was leaked in a data breach around XXXX ( around the time I began noticing fraudulent accounts appearing on my report and started disputing them ). I submitted an ftc report with the data breach information already ( also attached ). Under 15 USC 1681i ( a ) ( 5 ) ( A ) you MUST REMOVE all fraudulent accounts listed below which under 15 USC 1681i ( a ) ( 1 ) I have the right to dispute all inaccurate information.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX