23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is  XXXX   XXXX  and i have been trying to work with my lende r Select Portfolio Servicing to obtain an affordable modification payment for my property and have constantly gotten the run around and now i am in further in default and  afraid to loose my house. I was approved for a forbearance plan which double my mortgage payments, I believe my Home Owne rBill Of Rights have been violated by my lender as I have not had contact with my single point of contact. Additionally every time I call I always get a different story from different people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in supporting documentation including ( Consumer dispute letter, my personal information including my drivers license, my ss card, and a bill ) an identity theft affidavit, and a identity theft FTC report ) .via certified mail in which they received these documents on XX/XX/2023. I requested that they block/ remove 2 inaccuracies ( 2 accts from BRCLYSBANKDE ) ( one in the amount of {$10000.00} & the other in the amount of {$1300.00} ) on my credit report resulting in identity theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states these accounts must be removed within 4 business days of receipt. It has been over 30 days. So I am hoping that the CFPB can expedite this process to have them block/remove this from my credit report immediately as this is damaging to me and my credit.
Product: Debt collection

Portfolio Recovery # XXXX {$310.00} Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. Portfolio Recovery fail to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening, I asked the bureaus to do a verification of everything that was on my credit report and they did. They stated that everything was accurate, and after doing my own thorough research myself I found improper inaccuracies on the credit report even after they did the verification. 



Name of Account Account Number XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

This company sued me in the state of Georgia without notifying me. I was not properly served and Georgia being the horrible state that they are let this happen. I also had 2 credit card accounts that are still on my credit report from the original creditor XXXXXXXX XXXX. I had a contract with XXXX and was enrolled in a program that offered account protection services. Not only did XXXX deny these services after paying for it but they handed my bill to XXXX XXXX XXXX who then tried to sue me for the debt. The services was suppose to provide me relief if I involuntary lost my job through the company Account XXXX. I was wrongfully terminated during the time I had these accounts and I even won a lawsuit for wrongful termination. After settling the wrongful termination with my previous employer, comenity still refused to take responsibility and contact XXXX XXXX XXXX regarding my account. It's been 5 years and they still refuse to fix any damages to my credit report. They also charged hidden interest fees in which they were sued for and yes I was one of the many people who was part of the class action lawsuit with XXXX. Second round is trying to collect debt from me when I had a written contract with Account XXXX and paid Account XXXX  for credit protection if I ever involuntary lost my job. I have documentation of my lawsuit settlement against my former employer who agrees to settle with me after retaliation and wrongful termination.
Product: Credit card or prepaid card

On or about the XXXX of XX/XX/2023, CAPITALONE Replied and Justified a Charged Interest on a Balance that was paid in Full prior to the Due Date in Which Interest was Charged. To Date the CAPITALONCE held the XXXX Payments for {$1000.00} with a Fee of {$3.00} and gave an Investigation Number # XXXX. The Second XXXX Payment $ XXXXthat was held was for with a Fee of {$300.00} and gave an investigation Number. CAPTIALONE held the payment for an addition three ( 3 ) Days in both transactions even though the payment was in their possession. See the Attachment. It was only after a Call was made that the CAPITALONE credited the payments, however still charged the Interest and reported the inaccurate amount to the Credit Agencies. Then after another Follow-up Call CAPITALONE correct the balance, however never resolved the Interest that was Charged. I am requested for CAPITALONE to honor the Contract Agreement. as their action constitute a Breach. It would be a displeasure to File a Civil Suit to Recover the Overcharged Interest as to their Breach, However the Cardholder is willing to take legal measure if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, [ 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting

I have a debt on my credit report with XXXX XXXX, which is past due over 180 days. This is the ONLY negative on my credit report. the item has been disputed on complaint # XXXX as I filed chapter XXXX bankruptcy in 2003 and all debts were included in that. My additional problem is this same debt was under the name of XXXX XXXX last year and removed, XXXX XXXX the year before and removed, XXXX the year before and removed and so on. When this debt is deemed uncollectible by the debt collector and this info is disseminated back to the loan holder, it is then sold to someone else for collection the next year. This has hurt my credit terribly cost me money in points and higher interest rates, and wasted my time and other, plus being a fraudulent practice on the part of the creditor, the reporting agencies and the collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the bureau several times regarding a Bankruptcy showing on my file. In their investigation they stated verified. In my dispute i requested who verified those bankruptcy cases, they did not provide me a copy or documents of whom they spoke with. The bankruptcy courts have told me that they do not verify nor provide any information to credit reporting agencies, nor do they ever validate and or confirm public records to third parties providers who collect information proving public records. Therefore I have proof the bureau has never validated or verified these inaccurate public records on my report, which tells me they are in violation of FCRA. 
Case numbers are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Summary of Accounts being Challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing a complaint against XXXX, Experian, and XXXX for failing to respond to credit disputes filed over 30 days ago. Despite multiple efforts to address inaccuracies, I have not received any acknowledgment, investigation results, or updates regarding the disputes. These inaccuracies involve the XXXX account and an erroneous bankruptcy reference, which have not been properly verified or corrected. 

XXXX removed the XXXX tradeline after my dispute through CFPB Case # XXXX, but Experian and XXXX failed to address or resolve the issues. The continued reporting of these inaccurate items has severely impacted my credit score, resulting in denials of credit and ongoing financial harm.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts. Please remove all fraudulent accounts from my credit report. This is hindering my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express Card is reporting incorrectly to XXXX  ; XXXX and XXXX on the AMEX partial account number XXXX. ( Please see page 14 of the  attached credit report. ) I make regular monthly payments to American Express, over the minimum amount due, and I have never missed a payment. The monthly payment due is {$920.00} per month and I am making payments of over {$1000.00} per month. As I stated above, I have never missed a monthly payment on this account. American Express is reporting lates on this account but can not provide a specific date. There are no lates to report. The inaccurate reporting of this account is a direct violation of the Fair Credit Reporting Act and is harming my credit score. This  information needs to be updated to report accurately on my credit report.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in MONTHS REPORTING LATE to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX5 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Student loan

My private loan in collection they froze my account I do n't have a lot of money they asking for If I did I would be homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to unfreeze my credit report with TransUnion. I was denied my application for a credit card due to this.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2012 accounts still in my report when they are closet accounts...
Product: Mortgage

I found out this servicer NATIONSTART/MR COOPER doesn't have the legal standing to service the Deed of Trust Account, I said this because it occurred an illegal transaction between XXXX   and Nationstar around XX/XX/XXXX Its my understanding XXXX  and Nationstar in the capacity of Servicer cant do a Sale/Transfer on the account without the Approval of the investor XXXX XXXX. In the past I opened an inquire against both of them and now reviewing the principal amount balance it differs from the Amount originally I got it this deed of trust. Further more Nationstart used formal documentation to attest an untrue fact on the origin of the Loan as it shows in the Tax form " it shows XX/XX/XXXX '' which is not the true at all. It was several years before XX/XX/XXXX Also in the last monthly statement I received in the 2nd page it shows " Lender Expenses '' when They are not. 
I don't know where the money I paid its going They haven t showed me in what account of the Investor its going, also I consulted with the Investor XXXX XXXX for the Servicing Rights to Nationstar/ Mr. Cooper They said they don't have it, Then for I believe Nationstar has initiated an account based with my name to enrich themselves without following the Original Note I signed. Also its my understanding while an amount is been in dispute the creditor/debt collector shouldn't be asses any late payment other ways it should be in violations of my consumer rights under the FDCPA.
Product: Mortgage

On XX/XX/XXXX when my home was for sale with and agent there was a water leak that flooded part of my home. I informed Wells Fargo immediately when this occurred to see if I could get relief. Of course there was not response. I contacted my insurance company and they brought in equipment to dry the floors, but as they were wood, they were ruined in 2 rooms with some baseboard damage. I settled with the insurance company and informed Wells Fargo loss department that I had settled, pick out flooring at The XXXX XXXX and had a quote. The representative said they worked with XXXX XXXX all the time and I just needed to send the check and the quote and they would cut a check to myself and XXXX XXXX. I received the loss draft and overnighted it to Wells Fargo Loss Draft department on XX/XX/XXXX. After several calls and excuses by Wells Fargo they finally sent the check to me on XX/XX/XXXX. I had to then order the carpet and all the work was completed on XXXX. I requested the Loss Draft Department to apply the excess insurance proceeds to go towards my payments per my Note with Wells Fargo. If these funds had been applied as requested my loan would have been current. Instead they posted my home for foreclosure added attorney fees and demanded the payments even though they had the payments. Since that time I have been trying to deal with them to get the payments posted. Yesterday when I called them they said they were recording the call and again refused to post these payment and posted the foreclosure again for XX/XX/XXXX. Even though they acknowledged the work for the repairs was 100 % complete. This has caused buyers to avoid my home as well as causing extreme XXXX on my wife, her XXXX XXXX XXXX XXXX, and myself. I am XXXX years old and lost my job in XXXX. I have to take an entry level position and my income is only XXXX of what it was before. I am trying to get out of this loan and they will be completely satisfied when it sells. I was only trying to make a small amount as this was my retirement. If my only recourse is to sue them in civil court I am prepared to do so.
Product: Credit reporting or other personal consumer reports

This company provided a application with personal information that does not belong to me which includes date of birth, social security number and address since none of this information does not belong to me therefore the debt does not belong to me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. XXXX 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$96.00} CHARGED OFF - XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

My FICO score drop to XXXX from XXXX suddenly on XXXX and when I search for " WHY '' i got notify from the bank to go for a credit report at XXXX which I did got the report. Per report- a Debt collection account opened on XXXX with a balance amount of {$170.00} which I didn't aware of that. I contacted with them and got replied- they sentmailed me and also call my cell-phone number but none of the calls or even letter I didn't received from them not even any debt related noticed. I moved from my old address to the new address on XXXX. I did the address change at USPS at the same time when I already moved and I received all my mailed that delivered to the old address and still continuing receiving but again- I didn't received any mail or noticed related with Debt collection. However, when I verified my address with the collection department they have my current address. 

NOTE : I didn't received any prior noticed or calls regarding this issue and my credit score drop due to collection department Debt procedure which damaged my credit history as well as to purchase my new vehicle and also to purchase some home appliance stuff. 

I would like to request to pay attention to this matter and help me to resolve this issue as soon as possible.
Product: Mortgage

After 5 years on Heloc for my property and not other mortgage on it .I applied for a renewal of the loan. The procces started about 70 days ago.After being pre -approved and meeting several demands from the bank TD BANK. They failed to follow due proccess and declined my application based on wrong information based on untrue facts.TD bank after being notified several times about the wrong information .promised several times to make the correction but failed to actually do so. My Loan processor and the supervisor have conspired to get my loan denied by ignoring the true information and assuming wrong information. example : They stated that my home is a commercial property therefore no qualified for the loan. Despite being notified about the error several times by the bank local branch, by email, ( see enclosed records ) The Bank systemically look the other way and failed to give a a fair chance to get access to a home loan renewal.There have been a disregard for the fair housing law and the rules for a equal lending opportunity. 
Example : The loan was denied for having insufficient collateral, It was later found that the property appraisal and loan was excellent to their own admission. 
in Summary Td Bank have run my application at XXXX with a diligent manner, But shortly after with disregard for costumer care and with a obvious intention to deny the loan despitemy qualifications.
Product: Mortgage

I have a recurrent problem with Bank of America 's mortgage department. 

I am set up for monthly automatic payment of my principal + interest. On occasion, I attempt to make an additional PRINCIPAL-ONLY payment, but this is applied incorrectly to the NEXT principal + interest payment, 1 month in the future. I am therefore without the use of the funds for up to 1 month. 

This has happened twice this calendar year XXXX XXXX ) : in XXXX and in XXXX. 

When I ask a Bank of America to return the misapplied funds, they are unable to do so. 

Here is the Bank of America case number from XX/XX/XXXX : # XXXX.
Product: Debt collection

Lvnv Funding is reporting false information to the credit bureaus, stating that i owe a debt and i have never had any account with them.