23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Countrywide, in XX/XX/2009, you serviced a mortgage loan issued by Bank of America with MIN XXXX on my property. The FHA loan was closed by your agent and was mailed to my property. It was fun, however, when you guys mailed me the mortgage loan paperwork, you only mailed me the last signature page copy of the HUD 1 Settlement Statement.So as of today I am without the  information of what happened after you sold your service with me. Also I was very upset when you grabbed my signature from some other document and stuck it right on the deed of trust and every where. That was an outstanding job. But here is what I am really upset about you know, and those are- 1. As I said I don't have your HUD 1 Settlement pages that you executed at closing, 2. You did a fraudulent  assignment of deed of trust to Bank of America, I understand that but how could you breached the contract with me by allowing XXXX XXXX sign for it!!! This was so unforgivable you know. XXXX XXXX was a XXXX   employee and has nothing to do with MERS!!! I get the fact that XXXX and you are close buddies, but that does not mean you will do assignment by breaching our holy deed of trust! 
3. See, an obligor can not challenge an assignment when such assignment breaches his contract with the assignor who is in default. But right now, I am not an obligor. So I can straight go for breach of contract and get this voided and then go after this XXXX mess. 

4. May be we should settle this out of Court. I need to get my title clean which you all have filled with clouds. So send me your agreement on the fact that this has been in violation of breach of contract and I just go to Court and clear the cloud.

And please don't forget to attach the copy of HUD 1 Settlement statement that you executed during closing in XX/XX/2009. 

Thanks a lot.
Product: Credit reporting or other personal consumer reports

I have been trying to clean up my credit report which has hard inquiries that I did not authorize and credit scores all over the place between the credit bureaus. Who XXXX XXXXXXXX runs the credit bureau, are they not responsible to anyone. What do you people do other than providing consumers with pages of forms to fill out in order to complain. What a joke
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts 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. 

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

Capital one is reporting 120 days late on my payment history I didnt receive one notification also every person I talked to had nasty attitude and gave me they run around about late payment and its inaccurate the reason that Im worried because with this inaccurate information is Hindering me from getting aproved for any thing meaning a house or a car or anything I ask that this inaccurate information Be removed
Product: Mortgage

I applied to Sebonic Financial to refinance the house that I live in. They suggest I refinance my investment property as well. They said the reason for this suggestion was because it would allow me to get a cheaper interest rate rather than refinance with a jumbo mortgage. They immediately as me to pay for XXXX appraisals, which totaled approx. {$1300.00}. They asked me to send them a lot of paperwork and I did. Many times when I submitted the paperwork, they would tell me several weeks later that they never got it. Then they told me that too much time had passed and they would not be able to give me the promised lower interest rate. Finally, they told me to show that I had at least {$20000.00} available to me and it would need to show up in my bank statements in order to constitute the proof they needed. I immediately took {$20000.00} out of my home safe and deposited it into my checking account. Later, maybe three weeks later, they told me that the money would need to be seasoned or vested for three to six months. Finally, after 98 days had passed from the day that I started the loan process they told me that they could not make the loan because they could not trace the deposited funds to any acceptable source. I explained over and over again that XXXX of my commercial buildings that I own happens to be legally licensed as a rooming house and it is an all cash business. I fully explained that I chose not to go to the bank on a daily basis. I further explained that this money was accumulated over a long length of time. I made it very clear that all of this money had been clearly stated on my tax returns, of which they had copies. I suggested they do the math as shown on my personal tax return and see that the amount of income that I reported on my personal tax return was the exact amount show on my XXXX XXXX return. They said that was not the problem. They then declined the loan after 98 days had passed. I immediately asked for my appraisal money back, to no avail ... I COULD NOT FIND A COMPANY IN EXISTENCE CALLED SEBONIC FINANCIAL. If they exist, they do not have a license. I think they are owned by Cardinal Financial. They have completely rejected my request for the CEO 's name and or mailing address. One word perfectly describes them, ..ENCOMPETANT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX XXXX about my credit account being incorrectly annotated as being over 30 days late back in XX/XX/XXXX. After my conversation with them on XX/XX/XXXX, they told me that they could send me a copy of my statements, agreed with me that this was a mistake, but will not remove the negative statement from my credit report. I asked them for a letter stating the mistake and they told me no.
Product: Credit reporting or other personal consumer reports

XXXX Failing to Remove Fraudulent Account & Unauthorized Inquiries Details of the Issue : I have been disputing a fraudulent account ( Kickoff ) and unauthorized credit inquiries ( XXXXXXXX XXXX Barclays, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) on my XXXX credit report for over 60 days. 

I submitted the following documents to XXXX : FTC Identity Theft Report XXXX Police Report ( XXXXXXXX XXXX XXXX XXXXXXXX, IL ) Proof that XXXX removed the fraudulent Kickoff account Proof of residency ( Insurance document ) Government-issued ID Despite this, XXXX has failed to remove the fraudulent account and inquiries, incorrectly verifying them as accurate. This violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), which requires fraudulent accounts to be blocked within four business days upon receipt of an identity theft report. 

Steps Taken : I filed disputes directly with XXXX and uploaded all required documentation. 
XXXX responded that the fraudulent account was verified but failed to provide any supporting evidence. 
Ive been going back and forth with XXXX since XX/XX/year> with this fraudulent account and inquiries I have a FTC report from XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report, which was provided by your agency. Upon reviewing my credit report, I found that certain items have not been properly researched or removed, as required under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, which mandates that outdated or inaccurate information must be deleted from credit reports. 

The following item ( XXXX ) on my credit report are in question : Creditor Name : XXXX {$2300.00} Creditor Name : XXXX XXXX XXXX {$8500.00} Creditor Name : XXXX XXXX {$260.00} The information listed above can not be properly validated, and I request that you investigate this matter under Section 1681i of the FCRA, which mandates that credit bureaus investigate and correct or delete any inaccurate or unverifiable information within 30 days of receiving my dispute.
Product: Credit card

This is a second complaint to the previous CFPB Complaint I filed on XX/XX/ ( Complaint XXXX ), stemming from issues going back to XX/XX/2023. I previously reported that I was the victim of fraud, where someone had stolen my physical credit card, and left a very obvious trail of fraud charges on XXXX XXXX, a service I have never, ever used as a adult ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The thief that stole my card left a very obvious paper trail : its linked to their XXXX account, and added the card to their XXXX XXXX XXXX, which should give Citi more than enough information to determine who the thief is and what their contact information is. However, Citi has done NOTHING. 

To the contrary, Citi by its own omission in the response to my previous complaint, cant figure out how to report this issue as fraud without sending me a new card, which I cant receive, because I am traveling. So instead of addressing the issue, they sent a form letter to my previous complaint, and have let the issue linger, and now have the AUDACITY to report that my account is past due, putting a giant blemish on my perfect credit. Instead, they have completely locked me out of my account, so I am unable to even pay the fraudulent charges to avoid late charges. I am blocked from accessing my account online AT ALL and the CSRs that answer the phone will not assist me. 

I want this issue that has been going on for MONTHS resolved, the information regarding the fraudulent charges reported to the appropriate authorities, and all negative credit reporting removed IMMEDIATELY. It is astonishing that a company of this size is allowed to get away with this type of treatment of its customers. They clearly do not take the oversight of the CPFB seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no business with portfolio recovery acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I notify XXXX about the inaccurate balance and payment history reporting wrong on my consumer credit report. The XXXX customer service verify that my account I was dispute are investigations .I have sent out several letters prior before calling them serval time .This matter is very frustrating and also damaging my credit report. They're four credit card account that is reporting late payments which was never late and is pay off / good standing account.
Product: Credit card or prepaid card

On XX/XX/19, I receive a voice mail from Juniper World Mastercard XXXX. The message stated that there was a review of my account and they placed a credit on my account due to an error they discovered in said review. They told me to call XXXX if I had any questions. 

I looked at my account and it posted a credit of - {$5200.00} on XX/XX/19 called " Finance Charge Credit ''. I called XXXX on XX/XX/19 to ask questions about this and the only things they could/would tell me is that the credit was due to an APR finance charge error on my account that happened been going on for " years ''. They wouldn't tell me how long it was going on. 

This is a huge credit, which is nice, but it seems like they are trying to do this under the radar because I received no email or written letter explaining any of this and I don't know if this credit is accurate at this point.
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX # XXXX, Account name 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 reporting or other personal consumer reports

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Subject : Erroneous Late Payment Reporting and XXXX XXXX XXXX by XXXX XXXX Summary : I am filing this complaint against XXXX XXXX for the erroneous reporting of late payments on my credit report, which has caused significant and unjust damage to my credit score. Despite multiple attempts to resolve the issue directly with XXXX XXXX, they have refused to correct their mistake, leading to ongoing financial harm. 

Details : Initial Late Payment Error ( XX/XX/XXXX ) : On XX/XX/XXXX, I made my monthly loan payment to XXXX XXXX, well before the due date of XX/XX/XXXX. However, the payment sat pending in XXXX XXXX payment portal until XX/XX/XXXX. On XX/XX/XXXX, despite the payment being made on time, XXXX XXXX incorrectly reported a late payment. 
I immediately contacted XXXX XXXX, providing evidence that my payment was submitted on time. Nevertheless, they refused to reverse the late payment, resulting in a significant and unwarranted impact on my credit score. 
Request for Extension and Additional Late Payment ( XX/XX/XXXX ) : On XX/XX/XXXX, due to economic hardships and unexpected vehicle issues, I requested an extension on my payment from XXXX XXXX. They agreed to the extension, provided that I paid {$150.00} in interest, which I promptly paid before the new due date. 
Despite my compliance and efforts to avoid another late payment, I was notified on XX/XX/XXXX, that XXXX XXXX had again reported a late payment on my credit report. This reporting is entirely unjustified, as the extension was granted to prevent exactly this outcome. 
Impact : The erroneous late payments have caused a catastrophic XXXX drop in my credit score. 
This has not only affected my financial standing but also caused significant emotional distress, as I have consistently paid my loan on time for many months. 
Legal Grounds : XXXX XXXX  actions violate the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681, which requires that furnishers of information ensure the accuracy and integrity of the data they report to credit agencies. 
Additionally, their refusal to correct this clear error is a violation of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692, which protects consumers from unfair and inaccurate credit reporting practices. 
Request for Resolution : I respectfully request that the CFPB intervene to ensure XXXX XXXX corrects these erroneous late payments on my credit report. 
I also seek compensation for the damage to my XXXX XXXX and assurance that XXXX XXXX will adhere to accurate and fair reporting practices in the future. 
Attachments : ( Include any relevant documentation such as payment receipts, communications with XXXX XXXX, and credit reports showing the impact on your score. ) Conclusion : XXXX XXXX refusal to correct their mistake has caused significant and ongoing harm. I seek the CFPBs assistance in resolving this matter fairly and restoring my creditworthiness.
Product: Credit reporting or other personal consumer reports

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.
Product: Student loan

I am having trouble with what should be simple - figuring out how much my monthly payment will be. 

They also applied a payment I made to the principal instead of the interest ( even though the payment checkout says payments are applied first to interest ) and I was never able to find anyone to talk to about this. 

My servicer, FedLoan, has an error message when I try to access repayment options/payment on their online portal saying " this information is not available. '' I try to email them ( once in XX/XX/2021 and once in XX/XX/2021 ). I try to go to the chat option to see if I can talk to someone and I have tried this maybe 30 times ( I check a few times a day for weeks ) and they have never had anyone available. I think the chat function does not really exist. 

So I try to call them ( almost 10 times ) during their business hours. The automated line does not even provide an option to speak to someone but I eventually figure it out by pressing 0. They never have a representative available and say they will call you back. When the call back rings, and I pick up, it " buzzes '' and then automatically hangs up. 

I also sent them a XXXX  message. 

I have yet to receive a response or speak to anyone about what my expected monthly payments will be. How am I supposed to know how to budget for it and when it is due?
Product: Mortgage

I have been trying to be patient with my lender and get help but they continue to give me the run around. They either say the loan is under review or my file has just been sitting there without anyone reviewing what is going on. 

They keep advising that they are going to escalate the file but nothing is being done.
Product: Debt collection

XXXX XXXX out of XXXX, Washington called me on XX/XX/XXXX at XXXX saying I owed XXXX. I told them it was not my debt, it was my ex. They called again on XX/XX/XXXX at XXXX XXXX and hung up. They also called today, XX/XX/XXXX at XXXX. I have not received a letter for the debt as of today. I informed them there was a fraud situation going on with the original creditor and I would not give them any other information. It was a simple as a XXXX search to find my address as I did it and it was the first item in the search.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT
Product: Mortgage

We were affected by hurricane XXXX, our property was flooded XXXX feet. When we called the service r to help us they said we can put the mortgage in forebesrsnce and we could put the missed payments at the end of the loan. This was in XX/XX/XXXX. During this timeframe we worked in restoring the property cleaning it out replacing Sheetrock etc, and dealing with insurance companies. In XX/XX/XXXX we called serviced to reinstate our mortgage and put our payments in the arrears. At that time they said we had to apply for a loan modification and what we were asking for was impossible that they would have told us that information because it is inaccurate. We told them that all calls are recorded for quality and training purposes and that they should review the calls. The agent said that the only relief they could offer us was to fill out the loan modification application. 

The loan modification package was initially submitted in XX/XX/XXXX. There after we never heard anything from them, continuous calls to them they would state that the package was in underwriting etc, in XXXX they asked us to re fill out the loan modification application because it was over 30 days. We did so and same story as before. 

In XXXX we re submitted the package and once again same story as before. 

In XX/XX/XXXX when we called they informed us that we could start making payments again but that we need to refill a loan modification package. 

Today XX/XX/XXXX when we called for an update since like before our application was in underwriting since XXXX, they told us that our package had expired because it was over 30 days. Hey our debt continues to grow late fees etc but this bank is not reviewing our package una timely manner. 


Had this package been resolved back in XX/XX/XXXX we wouldve only been XXXX months behind not XXXX like it is now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being denied credit due to reason being that I am currently behind on payments to a Creditor. I have no current negative accounts on my credit report. I searched and I have notice that SECURITY FINANCE is reporting Acct # XXXX as currently >Account Past Due 60 days<. This account was paid in full in 2018 after some late pay because of Natural disaster Hurricane Harvey. This account need to be removed for incorrect reporting. This account has reported incorrectly for some time and has continuously been the cause of credit denial when my credit report otherwise is clear and Paid As Agreed. I have attached a screenshot of my XXXX  report.
Product: Credit reporting or other personal consumer reports

My Name was apart of the data breach. By right I have the right to make sure I have accurate information on my report.