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

Experian has not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on credit reports has threaten my access to credit, employment, and housing. 

When I disputed errors on their credit reports, Experian conducted sham investigations rather than properly reviewing the disputes as required by federal law. Credit reporting errors can have serious consequences for my familys finances, and it is critical that credit reporting giants follow the law. 

In accordance with the Fair Credit Reporting Act the following accounts XXXX XXXX XXXX XXXX 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. Sates 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 consent.
Product: Debt collection

US Bank repeated debt collection calls to me since XX/XX/2023 in the amount of {$7500.00}. I said, I wouldn't pay unless they provide me a company I owed. Finally, they said the claim was against XXXX XXXX XXXX XXXX XXXX  XXXX credit card number XXXX. I called XXXX and it was not their credit card number.
Product: Credit reporting or other personal consumer reports

I Found fraudulent inquiry in my credit report.plese remove it XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Attachments XXXX ( XXXX minutes ago ) to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dear Experian XXXX XXXX XXXX XXXX have been reaching out for some time regarding issues with my credit report, and resolving this has been quite a challenge. While I appreciate that progress has been made, I want to emphasize the importance of this issue and the urgency of fixing it. 

My XXXX credit report shows an account from XXXX Bank that does not belong to me. This situation is a case of fraud and identity theft. I have previously sent multiple letters to you regarding this matter, requesting the removal of this account from my credit report. I have attached several of those letters from XXXX for your reference, and I hope you can finally remove this invalid account. 

This appears to be the last erroneous account on my XXXX credit report. Once it is removed, I will return to a more average credit standing. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Credit reporting

During the past year leading up the new year of 2015, I have sent several correspondence to Equifax, disputing derogatory information that has appeared on my credit reports. I have been accomodated by the other bureaus ( Transunion, Experian ) to be able to dispute items online, receive reports, etc. Equifax has not provided such accomodation. I tried to file an online dispute to remove a negative item only to be told I could not based on the information I provided.
Product: Mortgage

My mortgage servicer is deliberately thwarting my efforts to bring my reverse mortgage current. A XX/XX/2022 sale date has been posted. The mortgage was called because XXXX XXXX funds assessed as property taxes on my home became delinquent. I could not pay {$28000.00} per year, especially after my job with XXXX ended. I was told that XXXX XXXX funding was not appropriate for reverse mortgage holders, and should not have been offered to me or the other reverse mortgage holders. There have been real problems, not just for me, because of this. My home is in a prime area of XXXX XXXX ; there is significant equity in the property. 

In XX/XX/2022, I applied for assistance from the XXXX XXXX XXXX XXXX. I was told I could qualify for as much as {$80000.00} ( a little more than half of the tax debt owed ). Because I monitored my application carefully, I learned XXXXXXXX XXXX that there was a specific program focused on reverse mortgages and that I should apply for that program. I did so immediately. 

That new application is now in an inactive status. I was told by XXXX XXXX XXXX XXXX representatives that my mortgage servicer, Finance of America Reverse, has never set up a mechanism to receive payment from the program. The Finance of America Reverse representatives I have spoken to since have individually and collectively referred me to XXXX, the funding source for all states ' mortgage relief program. Evidently Finance of America Reverse is not aware that the connection exists. 

I was told by several representatives for Finance of America Reverse that I was to send the money, without any further effort by the mortgage servicer. The company appears to refuse to acknowledge their clients in California need any assistance whatsoever, and are deliberately thwarting the benefits the XXXX program offers to all citizens. 

I have less than 17 days to stop foreclosure of my home of XXXX years. I want the sale date stopped. I will also appreciate fair reconsideration of my current mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized and reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be removed. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX until present XX/XX/XXXX. I have asked all three credit bureaus ( XXXX, Experian, and XXXX ) to remove all old addresses, and phone numbers. They continue to report mixed information. My current, and the only address that should be reported is XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. I have obtained letters from the court explaining that they do not provide information to the credit bureaus. I have opted out of XXXX XXXX and asked for a security freeze. I have a bankruptcy dated XX/XX/XXXX ID # XXXX XXXX XXXX XXXX Michigan  and disputed the bankruptcy several times, but they continue to report it. I would like the Consumer Financial Protection Agency to take the necessary steps to correct this unlawful act. Please investigate within the required time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed letters to Experian, XXXX and XXXX. Here is my tracking : Experian : XXXX XXXX : XXXX XXXX : XXXX I requested to have inaccurate and misspelled personal information deleted from my credit report. My federally protected consumer rights have been obviously violated plus this is a violation of the Privacy Act which states a consumer has the right to dispute and remove any inaccurate information on their credit report. Not only was my information affected by the XXXX data breach, I have included the correct spelling of my name, address, birthday and provided the correct SSN number as well. according to the Fair Credit Reporting Act and the following sections listed below, my federally protected rights as a consumer have been violated : [ 15 U.S.C. 1681 ] ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. [ 15 U.S. CODE 6802 ] a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information [ 15 U.S.C. 1681s-2 ] reporting information with actual knowledge of errors. 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, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I applied for an installment loan of approx $ XXXX with Enerbank to have my bathroom remodeled in XXXX. I was making payments until I lost my job in XX/XX/XXXX. I called Enerbank at the end of XX/XX/XXXX and asked about payment arrangements. I was told that if I can resume the previous payments, the account would be brought to show payments are current after 3 consecutive months of payments and the missed payments would be pushed to the tail end of my loan. I resumed the regular payments in XX/XX/XXXX. The last time i called, I was told that the loan was charged off due to non-payment ( of either 90 or 120 days ). The company continues to disregard the payments for XXXX through XXXX and doesn't show the account charged off until XX/XX/XXXX. My credit report shows 90 days delinquent for XXXX & XX/XX/XXXX and 60 days delinquent for XXXX & XX/XX/XXXX, and 'No data available ' for XX/XX/XXXX -- eventhough payments of the monthly amts were made from XX/XX/XXXX through XX/XX/XXXX. I have already filed XXXX disputes through XXXX and this has not been corrected.
Product: Vehicle loan or lease

I paid {$1500.00} in the beginning of loan to pay in advance and CPS misapplied payments and took XXXX $ in interest! 

Since that time XXXX 2022 its been a battle to have them reapply the payments correctly! 
Past 4 months paying what they tell me.. still goi g to interest instead of principal! 

Threatening to repossess and many late fees and misapplied payment!! 
I even qualified and signed documents to put one payment at the end of loan No ONE IS HELPING ME and it causes me stress and financial hardship!
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXXXXXX XXXX XXXX XXXXnquiry : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX C & amp ; XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX US DEPT OF EDUCATION REPORTED BALANCE {$410.00} : XX/XX/XXXX US DEPT OF EDUCATION REPORTED BALANCE {$230.00} : XX/XX/XXXX XXXX LOAN SERVICES REPORTED BALANCE {$0.00} : XX/XX/XXXX DEPT OF ED / XXXX REPORTED BALANCE {$0.00} : XX/XX/XXXX DEPT OF ED / XXXX REPORTED BALANCE {$0.00} : XX/XX/XXXX XXXX XXXX REPORTED BALANCE {$25000.00} : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$96.00} : XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 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 hand written instructions.
Product: Credit reporting or other personal consumer reports

I am requesting that you please provide me with all verification results regarding this account sothat I may investigate these claims and take appropriate legal action.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


Account Name : XXXX XXXX Account XXXX Amount : {$0.00} XXXX
Product: Mortgage

This is the XXXX or XXXX time XXXX XXXX has changed service providers creating the same issue each time ; charging property taxes that are being paid by XXXX another mortgage that we hold. I have been in contact with Freedom Mortgage numerous times since XXXX of XXXX trying to resolve this issue. They have all the recordings for " Training Purposes ''. It is now XX/XX/2024 and I just received another letter stating that I am delinquent for a little more than {$2600.00}. Each time I call they acknowledge the issue say they will fix it. To date it is not resolved. Now it is costing me time and income to deal with this. They have been threatening foreclosure and now have reported this matter to the credit bureaus. They have also charged late fee 's. The service provider and XXXX XXXX are the ones at fault and are failing to resolve this matter. I have always paid the Mortgage on time for as long as I have had the Mortgage. I have spoken to numerous representatives including their representatives in the Tax analysis department and they acknowledge the problem of overcharging in the escrow account, but continue to fail to adjust the Mortgage payment to reflect what it should actually be. Freedom Mortgage Paid XXXX taxes last year on behalf the mortgage for the property. This has caused a huge amount of duress for my wife whom is a XXXX XXXX XXXXXXXX Veteran not to mention to myself dealing with the same issue time and time again with various Service Agencies that XXXX XXXX hires. They change service agencies like proud parents changing diapers. Each time the very same escrow issue arises, each time I have to file a complaint to get it resolved seeing one department does not speak to another department. Their lack of communication is not my problem, but it becomes a problem when they are threatening foreclosure and have ruined my credit score that needs to be fixed by them. XXXX XXXX last service provider over charged my escrow by {$600.00} and we never received those monies.
Product: Credit card or prepaid card

Hello, I don't want to continue American express card. Still they are charging me annual charges which I need to pay. With out my permission they are charging that amount. 
Date-XX/XX/XXXX talked to XXXX call center guy. {$190.00} has been charged to me .I have already paid my other outstanding charges except my membership fee. When I am not consuming their product how they can charge me for that.
Product: Mortgage

Shellpoint Mortgage Servicing ( shellpointmortgageservicing.com ) incorrectly took extra interest from me that was not theirs TWICE. The first time, they applied extra principal I added to my monthly payment to interest. I tried to resolve this by phone which supposedly would take a few days. When I logged on to my account a few days later on XXXX, I noticed Shellpoint Mortgage Servicing postdated my extra mortgage payment nearly a month ( from XXXX to XXXX ) and unfairly took an extra month 's interest once again. I noticed this by checking my payoff amount, reduced by more than extra month 's interest ( see attached documents ). Mortgage companies must ensure that they are able to apply principal payments correctly and timely so consumers are not forced to pay interest not due, in my case, paying two months of interest in one month. Does Shellpoint have the ability to fix this issue in accordance with fair lending practices, compliant at the state and federal levels? I request that my principal payment be applied at the time it was received by the company and the payoff be amended to its real amount. Thank you.
Product: Credit reporting or other personal consumer reports

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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/2024, I discovered that a fraudulent transfer of {$2500.00} was made from my savings account to my checking account at Chase Bank without my authorization. Additionally, on XX/XX/2024, a {$1000.00} unauthorized transfer was made to a third-party bank account. Both of these transfers were unauthorized and occurred because my computer was hacked, allowing the fraudster to gain access to my Chase online banking. 

I reported the fraudulent activity to Chase immediately while the transactions were pending. Chase initially reversed the {$1000.00} transaction, but later reinstated it, stating that the fraudster " followed protocol. '' Despite my repeated communication and explanation of the unauthorized nature of these transactions, Chase has refused to reverse the transfers. 

I provided all necessary details to Chase, including dates, amounts, and my assurance that neither I nor my joint account holder authorized these transactions. I also requested a formal fraud investigation and cited Regulation E, which protects customers from liability for unauthorized electronic funds transfers when they are reported promptly. 

Chases failure to resolve this issue has caused significant financial hardship. The unauthorized transactions should have been reversed in accordance with Regulation E, and I have taken every reasonable step to notify Chase of the fraud. I am requesting the CFPB 's assistance in ensuring Chase complies with federal regulations and reverses these unauthorized transfers.
Product: Mortgage

I am in a process of buying a property. 
Mortgage officer is XXXX XXXX, the company name " Guaranteed Rate ''. 
NMLS ID : XXXX I was promised particular interstate of 3.75 % and particular monthly payment on it. So I paid earnest money deposit, inspection fee, appraisal fee etc in order to move forward towards closing. 

However, right before closing, he increased an interstate rate and of course all other monthly costs are now was also increased, even though he promised to keep the interstate rate locked no matter what. 

I am not agree with new terms. So now I am going to lose all the money I put into buying process, which is more than {$3500.00}.
Product: Debt collection

The following is the information regarding the complaint : Name CAVALRY PORTFOLIO SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Date Opened XX/XX/2017 COLLECTION AGENCY/ATTORNEY Balance {$20000.00} Original Amount {$21000.00} Original Creditor XXXX XXXX Banking XXXX Past Due {$20000.00} The bad debt was reported on my credit report by XXXX. This had a negative effect on my credit rating. I have been attempting to rebuild and restore my credit ; however when Calvary XXXX purchased the debt from XXXX, they proceeded to report the debt a second time, as if the debt that they bought from XXXX was a new debt. This is double-reporting of the same debt. 
I attempted to pay a negotiated amount with Calvary ( {$11000.00} XXXX on a monthly basis ; however they never altered the negotiated amount -showing the debt was {$20000.00}. They should not have the right to rereport a bad debt. THey also violated their payment agreement by not showing the negotiated amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are being denied Housing due to XXXX XXXX ( a third party servicer ) that no longer was a Servicer for my old Mortgage with XXXX XXXX. My old Mortgage of $ XXXX was sold to XXXX XXXX who had XXXX XXXX be there Third party Servicer in XX/XX/XXXX. On the Equifax report that These Property management companies and Mortgage loan places are Recieving is that there were two combined mortgages at a Grossly Incorrect balance of {$420000.00}. ( XXXX  XXXX XXXX ( In XXXX this mortgage was sold to XXXX at {$210000.00} & XXXX, a third party servicer at {$210000.00} at a total of {$420000.00} ) is showing up on my Equifax Report. Please get removed Immediately. We are being Denied Housing due to this. Thank you. Best regards, XXXX XXXX and XXXX XXXX