23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We purchased a home and had a mortgage through XXXX XXXX XXXX. 
Late 2014 our home loan was sold to BSI Financial. 
With XXXX XXXX XXXX, we were never behind in our monthly payments. 
Before BSI even gave us a monthly statement, we recieved word that we were behind in our morgage. 
Furthermore, we did not recieve a morgage statement for XXXX or three months, so we made our monthly payments to XXXX XXXX XXXX in the mean time. This payment was some {$6000.00} dollars. 
THEN, BSI was given the money we had paid to XXXX XXXX XXXX, but instead of putting it towards the morgage statements for the months we had paid XXXX XXXX XXXX, they put that money into a PARTIAL PAYMENT ACCOUNT. This account was never linked with our " overdue '' account balance and perpetually showed that our account/morgage payments were " late. '' We have contacted BSI monthly. Weekly sometimes, asking " WHERE IS THIS MONEY?? AND HOW COME IT WILL NOT APPLY TO OUR MISSED PAYMENTS?? '' They simply tell us we are late. " WE ARE LATE. '' That is their answer. We ask how are we late when there is money to pay the late morgages, and they tell us " we are late and we need to be 'caught up ' before they can work with us. 
WE STILL HAVE NEVER MISSED A PAYMENT!! Yet we are always late because the money that we paid XXXX XXXX XXXX, which was then given to BSI, was NEVER APPLIED TO OUR MORGAGE. 
ALSO!!!!! We have a DEFERED INTEREST ACCOUNT that containes {$7900.00} and when asked what this money is going towards, and why it does not apply to mortgage, they WILL NOT answer the question. Repeat : THEY WILL NOT answer the question. 
BSI is hurting us financially and economically. We would like this money to be applied to our mortgage so we are " Caught up '' and not " delequent '' as they falsly state.
Product: Vehicle loan or lease

On XX/XX/year>, I submitted for a pre-approval for {$33000.00} through Navy Federal to see what interest rate I would be offered. With the rate they offered me, I was not longer interested considering them for a loan. I monitor my credit score regularly and noticed they ran my credit with a hard inquiry for the pre-approval when I last checked. I was not ready to buy a car yet and am only at the beginning stages of shopping for one. When I called them to let them know my intentions to inquire about the interest rate with them and let them know the application is still in a pre-approval status, they said they would not take the hard inquiry off.
Product: Checking or savings account

ayPal account statements dating from XX/XX/XXXX up to the current month, as these documents are required for me to successfully file my bankruptcy. I have contacted PayPal several times over the phone during the last six months in order to request these files ; however, they have continued to deny my request to access my own financial account statements. During my most recent call on XX/XX/XXXX, PayPal offered to send me physical paper copies of these requested statements in the mail. I agreed to this offer and was informed that my request would take 3 to 5 business days to process. However, as of today, XX/XX/XXXX, I have still not received these statements in the mail. at this point, I feel as though PayPal is intentionally and punitively withholding these necessary documents from me. As a user of PayPal products, I should have the right to at least view these documents, regardless of my accounts standing.
Product: Debt collection

My husband and I received a letter addressed to my father at our address. The letter, from Wilber & Associates, P.C., stated that " We are now handling this claim on behalf of XXXX XXXX XXXX XXXX Our client is seeking reimbursement from you as a result of the incident which occurred on the claim date listed below. Your cooperation is required to reach a complete resolution. The letter goes on with other paragraphs. At the bottom of the letter is the following information : Wilber File Number : XXXX Online Access Key : XXXX Claim Date : XXXX Client Claim Number : XXXX Claim Location : XXXX  XXXX, XXXX The problem is that my father, an XXXX year old man with XXXX  and XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX in XXXX XXXX, sold his home in XXXX XXXX, XXXX  in summer of XXXX. He moved from XXXX  XXXX in summer of XXXX. 

I also contacted XXXX XXXX and they have no record of any claim related to the address in question. 

When we called the Wilber toll free number, they were very aggressive and would not let us explain that it was not possible for the claim, related to a home, to relate to my father. the sale of thee home is public record. 

Please assist in advising Wilber and Associates to stop their harassment of my father and of us and to stop threatening to affect any of our credit scores, etc.
Product: Credit reporting

Many unauthorized inquires were disputed. Inquiries were removed but were recently reinserted on my credit report negatively affecting my credit score. I have called transunion and fought to have inquiries removed. Transunion will not delete inquiries even though they were unauthorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention some incorrect information on my credit report. On XX/XX/XXXX, I contacted TransUnion about the following errors, but to date, I have not received any response from them. I urge you to investigate and correct the errors as soon as possible. 
Firstly, the following account is not mine, and I request that it be removed from my credit report : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Secondly, the following account is also not mine, and I request that it be removed from my credit report : XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} )
Product: Debt collection

I received a letter in the mail from Dynamic recovery solutions for a outstanding debt for XXXX credit card. I actually settled in 2015 and I called XXXX directly and spoke with XXXX in collections and he told me I do not have nor owe a outstanding balance. I tried calling Dynamic recovery systems but they just want my information my full social security number not happening you get my name and last XXXX and that's it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pnc bank put a 30 day Mark on my credit when I was paying on account.
Product: Mortgage

I sold my home earlier this year with the transaction closing on XX/XX/XXXX. All balances were settled at closing including all escrow items. Therefore, my mortgage company, Truist Home Mortgage, was supposed to refund me the escrow balance of {$4300.00}. To date, I have not received this balance due to me. I have attempted to resolve the issue 3 times, 2 by phone ( XX/XX/XXXX and XX/XX/XXXX ) with customer service and once at a branch ( XX/XX/XXXX ). 

-The original check allegedly sent never arrived. On XX/XX/XXXX, customer service said they would stop payment and reissue the check. 
-On XX/XX/XXXX, the reissued check arrived badly damaged and possibly tampered with. 
-On XX/XX/XXXX, I brought the check to a branch and was informed that they could not deposit the damaged check. They agreed to contact the mortgage escrow department and have the check reissued. I requested that the bank find another way to deliver the funds ( issue a check in branch, send express mail, wire transfer ). I was told the escrow department had to issue a check for accounting purposes, but if there is a problem next time, they will look into it. I requested this be expedited as it had been over a month since closing. 
-On XX/XX/XXXX, I called customer service to complain after having not received a new check and requested to speak with a manager. The bank rep said a complaint was generated and a manager would call within 48 hours. That time has lapsed and I dont have my money almost 2 months later. 

What is particularly galling is that everyone I spoke with from Truist made a point of saying it is not their fault what happens in the mail. However, it is their fault that they were repeatedly notified of the problem and failed to adjust how they deliver my money some other way. 

I also note that it says on the damaged check envelope, Mortgage - Cash Operations notifying criminals that there are funds in the envelop. 

Please help. Thank you.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code
1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Debt collection

Per certified mail tracking, It's been XXXX months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX, Attorney General, and FTC
Product: Credit card

fia told me they would write off my balances but continue to send me a bill they treated me like garbage closing my accopunts which should not even be legal and i hope is not before i die one day. i do not understand why i am getting bills from them still when all was told to me would be written off. please explain i truly want nothing to do with them there has been no follow through. i keep getting statements and no answers tired of waiting and getting fees which i will not pay
Product: Mortgage

I had a HELOC with GMAC that was paid in full in XXXX XXXX. It was bought to my attention dealing with a new lender that GMAC never submitted the documents to XXXX XXXX XXXX Maryland to release the lien. I contacted my old title company and was told to contact GMAC and found out they filed for bankruptcy and a company called Ocwen has assumed accountability. I contacted Ocwens Research department at XXXX XXXX XXXX XXXX and was provided with a fax number XXXX XXXX XXXX XXXX. I faxed over XXXX pages of supporting documentation ( e.g., issue letter to Ocwen, correspondence with XXXX, XXXX credit report information and deed of trust ) to Ocwen 's Research department on Tuesday XXXX XXXX, XXXX. I have followed up with Ocwen at least five times since faxing over the documents only to be told that they never received the fax ( and I have the fax confirmation ). Every time I call, I have to tell my story again because my loan is not in their system because it is old ( paid-in-full XXXX XXXX ) and I get a new agent each time stating to call back because the information has not been entered into their system from the " fax department '' and was also advised when they get the information that it can take up to 30 days to resolve. When I called again today, a new agent informed me that I needed to correspond with Ocwen 's Lien Release Department and provided me with their fax number, email and mailing address. I asked the agent for a telephone number so that I could follow up to make sure that my complaint was received and discuss with someone the urgency of this matter. The agent today informed me Ocwen 's Lien Release Department does not have direct telephone number for consumers to contact them. I submitted an email today with supporting documentation to the email address provided at XXXXXXXXXXXX but have no way to know they received the information. I am very frustrated and seeking immediate resolution to this issue. This is not my fault, as this loan is paid-in-full and GMAC did not follow through on their obligation to release the lien. This is causing problems for me dealing with my new lender that will not close my loan until they have written confirmation from the lender Ocwen on behalf of bankrupt GMAC the lien is being released. The information that I received today for Ocwen 's Lien Release Department is as follows : Address : XXXX XXXX XXXX XXXX Iowa, XXXX Email : XXXXXXXXXXXX XXXX : ( XXXX ) XXXX On a separate note, I selected " signing the agreement '' as the mortgage process my issue is related to at there was not an option for closing lien release
Product: Credit reporting or other personal consumer reports

XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Immediate Deletion of Inaccurate Information Under FCRA and 15 USC Dear XXXX, This letter serves as an official and legally binding demand for the immediate deletion of inaccurate, unverifiable, and/or incomplete information reported on my credit file. Your agencys failure to adhere to federal laws, including the Fair Credit Reporting Act ( FCRA ) and U.S. Code Title 15, constitutes a blatant violation of my rights as a consumer. I demand immediate compliance, as the presence of the disputed items is causing significant harm to my credit profile and financial standing. 
Items in Dispute : XXXX. XXXX XXXX ( XXXX XXXX XXXX ) ACCOUNT # XXXX Legal Basis for My Dispute 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The inclusion of the above-mentioned inaccurate items demonstrates a clear violation of this statutory requirement.

2. 15 U.S.C. 1681i : Upon receiving a dispute, agencies must conduct a reasonable and timely reinvestigation to verify the accuracy of the information. If the data can not be verified, it must be deleted w
ithin 30 days.

3. 15 U.S.C. 1681c : Prohibits the inclusion of outdated information, such as accounts beyond the permissible reporting period. If these items fa
ll into this category, they must be deleted immediately.

4. 15 U.S.C. 1681s-2 ( b ) : Obligates data furnishers to promptly correct or delete inaccurate, incomplete, or unverifiable information once no
tified of a dispute.

5. 15 U.S.C. 1692e ( FDCPA ) : Prohibits the use of false, deceptive, or misleading representations in connection with debt collection. Any inaccurate reporting tied to debt collection activities is a direct violation of this law.

My Demands 1. Immediate Removal : Delete the inaccurate, incomplete, or unverifiable items listed above from my credit report.

2. Verification Details : Provide the name, address, and contact information of the entities that verified the disputed items, along with any documentation used during verification. 
XXXX. Updated Report : Provide me with a corrected and updated copy of my credit report.

4. Cease and Desist : Stop reporting the disputed items to third parties during the reinvestigation process, as required by law.

Notice of Legal Action Failure to address this matter within the 30-day timeframe prescribed by law will result in the following actions : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General 's office. 
Pursuing legal remedies for damages incurred due to your agencys noncompliance, including but not limited to violations of the FCRA, FDCPA, and U.S. Code Title 15.

I expect full compliance with these demands and a written confirmation of the resolution of this matter. You are hereby on notice that I will aggressively protect my rights under the law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Experian continues to report inaccurate information on my credit report even after several attempts to correct them. They refuse to fix it. I 've been disputing the accounts of the U.S. Department of Education for over a year. Experian is the only company that has n't deleted these accounts in full. These accounts are from XX/XX/XXXX and XX/XX/XXXX which are older than seven years. Experian will delete one account then leave the other and when I dispute that one they will delete that one and put the other one back on. These accounts were consolidated and being reported by XXXX so its also reporting twice on my credit report.
Product: Credit reporting or other personal consumer reports

Automotive credit is reporting a late payment for XXXX on my XXXX XXXX due date was XX/XX/year>. With today being XXXX its not even 30 days since the due date so its not 30days late. 

XXXX payment show {$43.00} past due. So payment was made XXXX the account is on auto pay each month with them so they take the payment out on the XXXX each month
Product: Credit reporting or other personal consumer reports

am writing to formally dispute a late payment entry on my credit report for the account XXXX that appears on my credit report with your agency. I recently discovered this entry, and I am requesting your assistance in validating the accuracy of this information in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ). 

I assert that I was not notified of any outstanding balance of the aforementioned account with XXXX XXXX. According to the FCRA, it is the responsibility of the creditor to provide accurate information and to notify the consumer in case of any outstanding balances before reporting negative information to credit bureaus. I have never received any communication regarding the outstanding balance, and I request that you investigate this matter promptly. 

In light of the above, I kindly request the following information to validate the accuracy of the reported late payment : 1. Verification of the debt : Please provide detailed information regarding the debt, including the nature of the debt, the original creditor, the outstanding balance, and the date of the last activity.

2. Proof of notification : Please provide evidence that I was duly notified about the outstanding balance before it was reported as a late payment to the credit bureaus. This may include letters, emails, or any other form of communication sent to me.

3. Documentation of the late payment : If the late payment is accurate, please provide documentation proving the validity of the late payment, including dates and transaction details. 

I understand that under the FCRA, you have 30 days to conduct an investigation and respond to this dispute. I also request that, during the investigation, the disputed information be marked as in dispute on my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

I appreciate your prompt attention to this matter and expect a thorough and accurate investigation. Please send me a written response outlining the results of your investigation and any actions taken to correct or remove the inaccurate information from my credit report.
Product: Mortgage

I have sent them several registered letters and notices to the CEO and CFO of Select Portfolio Servicing Company asking for a complete audit and source of money on the account. They repeatedly acquiescence and continue sending form letters that have nothing to do with what I have asked for. This fraudulent and blatant treatment needs to have an end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : misleading false reporting you can not report late payments on a charge off XXXX XXXX  Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX  days update this account to PAID/NEVER late and send me a copy of my updated credit report regarding dates ( list dates ) for APPLE CARD/GS BANK USA XXXX XXXX this should not be late send proof now. 
Also, please pass this along. 15 USC 1681s-2 ( F )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : Is showing open and late, this account is not open it has been paid in full closed. Also, this account shows late payments this account has never been late. 

XXXX XXXX : This is account does not belong to me. this account belongs to my brother with a similar name. I've asked for this account to be removed and or proof that this account belongs to me. 

XXXXXXXX XXXX XXXX XXXX  This account does not belong to me and i have asked for this account to be removed. I also asked for proof of this account belong to me.
Product: Checking or savings account

I received a 1099-K in the mail from CashApp ( Block , Inc. ) that is completely erroneous. I signed into my *real* CashApp account, which I rarely use, and there is no 1099-K there to download. It says " You didnt qualify for a 2024 Form 1099-K. '' So, a fraudulent account has been opened in my name and with my social security number ( included on the 1099-K form I received ), saying that I am a payee and that I received XXXX payments in XX/XX/year> totaling {$4800.00}. None of this is correct. 

In XXXX, XXXX, I received a CashApp debit card in the mail that looked like no other debit card I'd ever seen before. Suspecting fraud, I contacted CashApp directly in order to close the account. They would not do so unless I gave additional personal information such as my driver 's license number. I suspect that because I did not give them this information, they did not close this fraudulent account, and therefore it was used in XXXX. They still refuse to close the fraudulent account and will not investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report continue to show incorrect and false information for me. My credit was used previously in the past fraudulently and I want to prevent this from ever happening again. I have been trying to have my name and address corrected on my XXXX and Transunion credit report but the incorrect information still remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U S DEPT OF EDXXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX