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

When I checked my credit report, I found that some of the information was inaccurate. Thecredit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

I cant access my credit report, maybe my DOB incorrect or my name was misspell, thanks.
Product: Mortgage

Had difficult XX/XX/2020 making my mortgage payment on time due to the coronavirus I was 29 day late just for one month Ive been able to keep my head above water during the pandemic Carrington mortgage showed on my credit report that I was 30 days late I have wrote them a letter and explain my situation for that month I received a letter back. Stating that they were obligated under federal law to report my 30 day late payment to the credit bureau I feel like that I did a pretty good job at keeping my bills paid during this pandemic I have got my mortgage caught up to date now I am not even running late and hope that this will help me delete that late payment for my credit report which dropped at XXXX points
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion remove this account at once I used the Government web site and filed a fraud report FTC and filed it with CFPB that all I have to do they refuse to respond That is all I have to file by law, XXXX XXXX XXXX sold the account I await your response to CFPB
Product: Debt collection

I checked all three of my credit reports at the end of XX/XX/XXXX and AFNI collection agency for XXXX was on all three reports. I disputed on all my credit reports because the debt does not belong to me. The debt was deleted off XXXX  and XXXX in XX/XX/XXXX but not off my XXXX credit report. This isn't a debt of {$920.00} which was placed on credit report on XX/XX/XXXX isn't owed by me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Bankruptcy Account XXXX : XXXX XXXX XXXX
Product: Credit card or prepaid card

Regarding my XXXX Chase Credit Card, Earlier this year I transferred a balance from one credit  card to the XXXX Chase Credit Card at 0 % interest for 12 Months. A few months later I had to make some purchases on the credit card at the normal interest of 23.99 % APR. 

Over the next few months I started to notice the payments I was making, may have been applied partially to the balance with interest and the amount that had 0 % interest from the balance transfer. 

Before overreacting, I called Chase XXXX to determine if my payments were being applied to the balance with interest and not the balance without interest as indicated in the agreement. The customer service representative assured me that all payments made to my balance are first applied to the portion accruing interest first, then if that is paid off the remainder will start to be applied to the portion that has 0 % interest. 

To ensure this was happening here are my last two statements ; the most recent statement shows a XXXX payment made to my account in XXXX. 
On XX/XX/XXXX Balance Interest Charges Purchases 23.99 % ( v ) ( d ) - {$5700.00} {$110.00} Cash Advances 26.74 % ( v ) ( d ) - -XXXX- -XXXX- Balance Transfer 23.99 % ( v ) ( d ) - -XXXX- -XXXX- Balance Transfer Promotion 0.00 % ( d ) XX/XX/XXXX {$2800.00} XXXXXXXX XXXX  Statement shows the following payment structure : Previous Balance {$8500.00} Payment, Credits - {$3200.00} Purchases + {$41.00} Cash Advances {$0.00} Balance Transfers {$0.00} Fees Charged {$0.00} Interest Charged + {$84.00} Total Remaining- {$5400.00} In the following pages on the statement, this is the breakdown of my charges. 
Balance Interest Charges Purchases 23.99 % ( v ) ( d ) - {$4100.00} {$84.00} Cash Advances 26.74 % ( v ) ( d ) - - XXXX - - XXXX - Balance Transfer 23.99 % ( v ) ( d ) - - XXXX - - XXXX - Balance Transfer Promotion 0.00 % ( d ) XX/XX/XXXX {$2500.00} - XXXX - So if all payments made to my account are first applied to balance 's with interest, shouldn't my total balance with interest be shown as {$2500.00} instead of the higher priced {$4100.00} as shown above?
Product: Credit reporting or other personal consumer reports

I have been affected by a few breaches that have occured, I have free monitoring thru these companies and my bank. 
XXXX has several vehicles inquiries on varing dates last year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been notified of a few breaches that have occured, been offered free monitoring from them and my bank. All of my reports contain inquiries that I didn't request .... 
XXXX has ( XXXX ) vehicle inquires that occured XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion has ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX it appears it is due to come off as of yesterday but I never requested credit with them to begin with. 

XXXX has ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and they did not have my name, bday, or social in their system and could not explain how this occurred without a record of me, the financial supervisor advised me to dispute it. 
When contacting credit bureau and companies, I was ultimately referred to Cfpb to report for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested from the collection agency, XXXX XXXX XXXX, and Experian for a validation of debt for the alleged account. The initial request to collection agency was on XX/XX/XXXX followed by a second request sent on XX/XX/XXXX and most recent to Experian on XX/XX/XXXX. All were sent certified mail with electronic signatures. Each time the collection agency did not mark the item disputed with Experian. Experian sent dispute result twice stating item is reporting accurately but the collection agency still has not marked the item disputed. I am confused how the accuracy has been verified if they have not been in contact with the bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen as part of the Equifax hack that affected 143 million people, and wo n't provide credit monitoring without me signing an arbitration agreement.
Product: Credit card or prepaid card

XXXX Purpose : Please give me my {$370.00} dividend. 

My DIVIDEND credit card was closed on XX/XX/XXXX by Citibank, but my {$370.00} interest was negotiated and they refused to give me the request for CFPB to help solve. 

I 'm sorry I do not speak XXXX too, I need XXXX help Above from : XXXX XXXX
Product: Mortgage

The refinancing application through Quicken Loans aka Rocket Mortgage has been a terrible experience. I have been victim of their unprofessionalism and incompetency. Quicken Loans aka Rocket Mortgage have repeatedly violated my RIGHT as a borrower to : - be informed about the total cost of my loan including the interest rate, points and other fees. 
- have access to a Good Faith Estimate of all loan and settlement charges before I agree to the loan and pay any fees -. 

Example one : during the application process they realized/discovered that XXXX XXXX XXXX ( aka XXXX ) held first lien of my mortgage, and not the company I had originally refinanced with the first time. I was asked very casually if I was open to paying off XXXX  -failing COMPLETELY to mention the HUGE impact this action would have on the cash back terms of the loan. After I agreed to pay off XXXX they casually mention this will decrease by over 9,000 the cash back amount mentioned in the Loan Estimate terms I was presented XX/XX/2019

Quicken Loans should have been able to see the lien information when they pulled my credit report. XXXX being 1st Lien should have NEVER been news/surprise to Quicken Loans. I expected to be refunded in full the {$500.00} I paid for Appraisal cost. Appraisal I agreed on based on the inaccurate, deceitful " Loan Estimate '' of XX/XX/19. 

When I demanded refund my request was escalated. They denied the refund and continued to say : " I reviewed the communication you had with us up front and did find that you explained to XXXX that you had completed an 80/20 loan. The 80 % is the 1st lien and the 20 % is the 2nd lien. Since we were advised you had the 80/20, we set up the application thinking that the 20 % was the 2nd lien as this is typically the case ... " Their job, as a lender, is not to " think '', " assume '', or " guess '' liens .... their job is to be thorough, do a professional, honest, job and provide borrower with an accurate loan estimate after using the tools available to them as a financial institution - such as : my full credit report. Instead they made assumptions .... The decision I made was based on their assumptions, presented to me as fact. 

They have also denied me the contact information, requested several times, of the person they were in contact with in XXXX despite repetitive attempts on my part to obtain it. 

Please stop this company from abusing borrowers like me : I'm a XXXX XXXX XXXX  mother, head of household, holding 2 jobs, to meet my financial responsibilities and pay all my bills on time ... they just scammed {$500.00} out of me, and have no remorse or sense of responsibility for their actions/mistakes. They refuse to refund me the {$500.00}, they mislead me into paying for appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA ; s. On XX/XX/2019, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 
there were fraudulent accounts open in my name I did not give them permission to use my info I am victim of identity theft
Product: Mortgage

FlagStar Bank has already placed my loan in forbearance, which simply means that from XX/XX/2020-XX/XX/2020 ( 6 months ), should I be unable to pay, I will not experience any late fees or negative credit reporting ( any pay by phone fees will also be waived during this time ).

But I received a letter from Flagstar, which stated " As of the date of this letter, we have not received the monthly payment for the loan listed above and your account is past due. The total amount due is {$1700.00}, which includes late charges. If we do not receive the total amount due before the end of the month, your account will be in default and may be reported to the credit bureaus as such. This type of delinquency may negatively impact your credit scores and your ability to obtain credit or other services in the future. 
PLEASE DON'T DELAY. To avoid default on your mortgage obligation, call us today at ( XXXX ) XXXX, Monday-Friday XXXX XXXXXXXX XXXX ET to arrange payment before the end of the month. The longer you wait, or the further you fall behind on payment, the harder it will be to find a solution. " Don't know why Flagstar sent letters to threaten the customers to pay mortgage after they placed loan in forbearance program. Under CARES Act, You will not accrue fees, penalties, or interest beyond the amounts already scheduled or calculated based on the terms of your mortgage.

The CARES Act also protects you from some negative information on your credit report because of any mortgage relief or assistance related to the COVID-19 emergency. During the period covered by the CARES Act, the CARES Act requires your mortgage servicer to report your account as current if your account was current at the time of the forbearance and if you meet the terms of your mortgage relief ; or if your account was delinquent before the COVID-19 emergency, to maintain the same delinquent status. If you bring your account current during the forbearance, your mortgage servicer must report the loan as current.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting an un-authorized HARD INQUIRY to my credit report, I highly suggest you remove it ASAP. 

On XX/XX/19, I called XXXX XXXX over the phone to switch phone plans. I was told I had to Submit a SOFT INQUIRY to verify my identity just as insurance companies do. Minutes later, I received a HARD INQUIRY alert on my credit monitoring app that's shows XXXX XXXX have placed a hard inquiry on my credit report. I asked to speak with a manager on duty and i was informed by the XXXX XXXX manager, the hard inquiry will only last on my credit report for less than 30 days than it will automatically be removed. I DEMAND THIS INQUIRY BE REMOVED ASAP! THIS IS NOT A DISPUTE TO VERIFY IDENTITY. I AM REQUESTING IT TO BE REMOVED DUE TO POOR EXPLANATION BY XXXX XXXX STAFF! 

PLEASE REMOVE INQUIRY FROM XX/XX/19 FROM MY CREDIT REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired a loan in XX/XX/2016 from XXXX XXXX. The loan amount was {$10000.00} my payment per month was {$490.00} The during the first 8 months of the loan my car malfunctioned so I was not able to use it XXXX XXXX warrantee covered the cost and deferred one of my payments towards the back of loan.. they did this because I had been paying my loan time and I kept in contact with them. In addition I had an option to defer. Months 12 into the loan and payments the company was brought out by XXXX XXXX they unexpectedly readjusted the terms set by XXXX XXXX. XXXX XXXX forced me to.pay the deferred payments plus penalties in addition XXXX XXXX removed XXXX XXXX from all three credit bureaus I called XXXX XXXX to take the car But as of today XX/XX/XXXX the car still appears to be mine here in illinois accessed
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Portfolio Recovery Associates Llc Account # : XXXX Reference # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX To Whom It XXXX Concern, I hope this email finds you well. I am writing to formally request the original purchase agreement that substantiates your claim as the rightful owner of the alleged debt in question. It is imperative that I have access to this document in order to verify the legitimacy of the debt and better understand the terms and conditions that were agreed upon. 

To facilitate this process, I kindly ask that you provide me with a copy of the purchase agreement that clearly indicates your ownership of the debt. Additionally, I would appreciate it if you could include any relevant terms and conditions that are outlined in this agreement, that states I owe you PRA and we have signed agreement that states I must pay you please include. Having a thorough understanding of these details will enable me to address this matter effectively and ensure that all parties involved are operating within the parameters set forth in the original agreement. If you can not provide please Im requesting Immediate deletion of the unvalidated debt from all credit reporting agencies. Should this issue not be resolved promptly and to my satisfaction, I will request that the CFPB investigate this matter and take appropriate action to ensure that the collection agency ceases their illegal collection efforts and stop reporting inaccurate information to the credit bureaus and request for it to be removed immediately.I expect PRA-to act in good faith by deleting and removing the inaccurate information and providing the requested documents Thank you for your attention to this matter.

Please consider this request with utmost importance, as obtaining this information is crucial to resolving any discrepancies and moving forward with the necessary actions. Your prompt attention to this matter would be greatly appreciated.

Thank you for your cooperation and assistance in this regard. Should you have any questions or require further clarification, please do not hesitate to reach out to me at your earliest convenience. 

I look forward to your prompt response regarding this matter. 

Warm regards, XXXX XXXX
Product: Mortgage

Our mortgage with XXXX was purchased by Green Tree in approximately XX/XX/XXXX. We had loan modification completed with Green Tree during this time. We have made payments on time to Green Tree since then. Green Tree is now DiTech. We made a late payment for XX/XX/XXXX. DiTech is in violation of FDCP Act, Section 806, # 5 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ) ; Section 805, # 2 and 3 ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. ; and has physically delivered a notice to call them on our property not through U.S. mail or any other delivery service.
Product: Debt collection

A representative claiming to be from XXXX XXXX XXXX has tied up the phone line of my work place for over 5 hour on XX/XX/2018 after being told that they need to contact me on my private phone. while talking to them on my cell phone they robo-called the office number continuously. As far as I know I do not owe them anything but they are trying to get me to pay {$780.00} by way of XXXX XXXX cards. I contacted the local sheriff Dept. they advised my it was a scam that a true debt collector would never ask for gift card. 

They claim that if I continue to refuse to pay them they would continue to call.
Product: Checking or savings account

XX/XX/year> my business account by the name of XXXX XXXX XXXX XXXX with chase bank. They informed me that they were closing my account and wanted to end my relationship with them. I asked why they replied they could not tell me. I run my business with this account and there is an amount of {$230000.00} in that account which I run my cars and pay employees. Chase bank told me that they would close the account and send me the funds within ten business days. It has been over a month I still have not received my money and now Chase told me they could not give me a turn around time. I have been with them over three years without issue. I have no court orders or any legal action against me. They are holding my money without any notice, the law should provide a reason why my money is being held. I just get the run around from operators telling me I just have to wait. Right now I am behind on all of my bills and have not paid two of my drivers for two weeks who are about to leave my business. I need help to just get funds that are mine. There needs to be some sort of transparency they have not even asked me questions about transactions but rather just closed my account and kept my money.
Product: Debt collection

XX/XX/2021, I received this text message from phone number ( XXXX ) XXXX : Hi this is XXXX from Cadillac Accounts Receivable Management. We are trying to contact XXXX. Please call or text me at this number to assist with your account. This is an attempt to collect a debt by a debt collector ; any information obtained will be used for that purpose. Please know that we do not want to add any stress to your family during this time and understand that personal and family necessities come first. We are here to help you through this difficult situation. Text STOPALL to opt out of SMS. Text PAYMENT to pay online. 

I have never owned a XXXX so this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my balance off on XX/XX/XXXX amount {$470.00} for XXXX XXXX XXXX and it's not reporting.
Product: Debt collection

My mother was in the XXXX XXXX XXXX in XXXX, Ohio after XXXX. She left the facility in 2013 after having paid in full all personal expenses ( private room, telephone ) that were not covered by her medical insurance. Months after her discharge the facility sent her a bill for {$560.00}. She repeatedly sent them copies of the 'paid in full ' receipt. After more than two years since her discharge XXXX XXXX has evidently turned collection of this {$560.00} over to Fairway Capital. A caller phoned my mother several times a day for a week and, because she is XXXX, he evidently became frustrated and very nasty. Mother gave the caller my name and phone number. XXXX XXXX XXXX called me on my cell phone twice last week during work hours leaving a voice mail message claiming he was from Fairway Capital calling to collect {$560.00} from my Mother. When I returned the call I attempted to explain this is no debt as the expenses were paid in full, and I offered to provide proof of payment. XXXX XXXX XXXX said there was a debt and it needed to be paid in full or actions would be taken against myself and against my Mother.
Product: Credit reporting or other personal consumer reports

Once my account were paid off, I was told my charge accounts would be deleted off my credit report