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

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by ( experian ). I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

I contacted EASTERN ACCOUNT SYSTEM about a debt that they continuously are contacting me about, I do not know who they are nor do I have a contract with them to owe any debt. I asked for validation of the assumed debt. I asked for the original contract with my signature, I asked for the creditor info, payment history and proof of ownership of said debt that they are coming after me for, I was flat out told that they can not provide me that info because they do not have a contract with me nor do they own the debt.
Product: Debt collection

On XX/XX/2019, received an alert notification from XXXX that an account from Sunrise Credit Service was added to my report. I did not receive written notification from the company before added to my report. Also, I have never done business with this company, therefore, do not owe this company.
Product: Mortgage

I have a XXXX mortgage loan with citimortgage. The mortgage type is XXXX year balloon with a interest rate of 11.625 % with a monthly payment of {$760.00} I currently have a decreased of {$10000.00} in income due to job placement. I apply for a loan modification to decreased my monthly payment to a affordable payment. I was approved for a loan modification for the amount of {$720.00} with a XXXX interest rate. Citimortgage adjusted my monthly mortgage payment per month for {$48.00}. I am trying to dispute this matter, and I am not getting assistance or help with a affordable payment. I am having trouble with making my mortgage payments. I am not able to afford the monthly payment of {$720.00} per month. I have every intention of paying what I owed. I just wanted assistance with an affordable monthly payment that will allow me to make. I will like to be reviewed for an affordable mortgage or a lower interest rate. I have a conventional loan and citimortgage loan is not trying to help me keep my home. Please help me keep my home.
Product: Mortgage

the positive escrow account of {$740.00} was taken by the company which is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection was illegally place upon my credit report with all 3 credit agencies, without my consent. XXXX XXXX XXXX XXXX and ENHANCED RECOVERY COMPANY ). Once paid and settled, I requested the creditor to delete the account from my credit report. They refused to. I requested XXXX, XXXX, and XXXX to remove the unverified item off my credit report. It simply came back as verified as paid. I understand my rights under the Fair Credit Report Act, so dismissal of this account from my credit report is requested at once.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

In XXXX, I received a notice that flood insurance is no longer required on my escrow account and that the flood insurance has been removed from my escrow. Because of this, I have cancelled the flood policy with the flood carrier. I called on XX/XX/XXXX to request and escrow analysis in order to reduce the escrow payment for the XX/XX/2021 payment. The representative informed me that I can not do an analysis until XXXX.
Product: Debt collection

The debt was not mine. I did not sign any loan agreement with this company at all. The debt is fraudulent.
Product: Bank account or service

Citibank has attempted to defend its actions in this matter by reliance upon the Expedited Funds Availability Act. That defense is only tangential, not central, to the current claim. 

In this instance, when I attempted to deposit the counterfeit cashier 's check ( copy attached ) ostensibly drawn on XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) in a Citibank ATM at XXXX XXXX XXXX XXXX, XXXX XXXX, the ATM rejected the check. I then approached a teller at that Citibank branch location and indicated to him that the ATM had rejected the cashier 's check and asked whether the teller would accept deposit of that same counterfeit cashier 's check. 

As noted by XXXX XXXX, General Counsel for XXXX, in his email of XXXX XXXX, 2015 ( copy attached ), any bank teller with the requisite training in detecting counterfeit cashier 's checks should have immediately known that the check I presented for deposit was counterfeit. In this regard, as XXXX XXXX points out, legitimate cashier 's checks have " a tracking number which is not present on the check presented to Citibank. '' In addition, as noted by XXXX XXXX, legitimate cashier 's checks bear the telephone number of the issuing institution ( which the counterfeit check did not ) and the check in question bore a suspicious " security features box located on the reverse side. '' Therefore, Citibank 's act of accepting the counterfeit cashier 's check, which their employee ( the teller ) knew had just been rejected by Citibank 's own ATM machine, was, at best, gross negligence, and the teller who accepted the check was either completely untrained in fraud detection by Citibank, extremely reckless, or knowingly and intentionally careless in his actions. The fact the I was given immediate credit in my account for the counterfeit cashier 's check merely compounded the grossly negligent and reckless behavior of Citibank and led to their loss - - which they are now attempting to pass on, unlawfully, to me. 

Under the circumstances, Citibank should be made to suffer the entire loss in the amount of {$1900.00}. Instead, Citibank has, as they admit, closed my account and has also notified other banks to not do business with me, thus preventing me from opening a new account elsewhere and further damaging and injuring me in my personal finances, reputation and credit.
Product: Debt collection

I had paid this debt off on an agreement almost XXXX years ago from this same company. Now since I have applied for a XXXX XXXX card, they have contacted me almost everyday saying that I owe them money. I explained that I had no idea what they were talking about, that I do not owe them anything. They read off my SSN, address, & phone number! It was creepy. I paid all my old debts off when I was going to apply for my mortgage at the time. To top things off, there is nothing on my credit report about this debt either ... .and why? cause its paid off. This was settled all that time ago, why now are they trying to double dip?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquires on my Experian Credit Report for XXXX XXXX which I did not request or authorize. I have contact Experian via mail and via phone to explain to them I did not request all of these XXXX XXXX inquiries and they were not for a permissible purpose for XXXX XXXX obtaining a copy of my credit report. I am requesting that all of the XXXX XXXX inquires be removed from my credit report. Thanks
Product: Debt collection

Received a notification via XXXX about this collection. I have submitted a dispute with XXXX to have the collection removed from my credit report. This is the second energy utility company collection I received and I have never done business with them. 

Company : Convergent Outsourcing for XXXX XXXX Balance : {$230.00} Opened : XXXX XXXX
Product: Mortgage

I am XXXX payment behind on my 2nd mortgage. I signed a payment workout authorization with them in XXXX since then they have got my account all messed up holding payments, calling and threatening to foreclose.
Product: Mortgage

Complaint was filed with Federal trade commission. Consumer Finance and HUD. NO COMSUMER LAWS WERE UP HELD. 

FRAUD COMITTED BY THE FOLLOWING BANKS!. XXXX Excessive Brokers Fees, XXXX in PA. 
Transferred loan under court jurisdiction when not aloud did not collect from XX/XX/XXXX to XX/XX/XXXX. no TRANSFER RECORDED NO REFINANCING ALOUD NO NOTICE FOR MOST TRANSFERS. 
2.XXXX sister company held from XX/XX/XXXX to XX/XX/XXXX transferred again with out court approval. 
3. Littion Loan Servicing- fraud not posting payments collecting fire insurance when not needed paying taxes when not late.recording less money than paid to IRS Transferred after XXXX FRDULENT COPIES SENT TO CONSUMER FINANCE HUD AND FEDERAL TRADE COMISSION. NOT listed in XXXX district court as having owner ship XXXX Only. 
4. Transferred to Ocwin never collected a dime never signed any thing with this company. Reporting on credit report as fore closing when XXXX XXXX was aloud to foreclose even with a letter sent to comsumer finance by a official from XXXX XXXX stating they had no legal right to collect.. Posted in XXXX district court also. 
5 XXXX XXXX no transfer ever given no papers signed no right to collect. 
In XX/XX/XXXX XXXX person went into the XXXX district court and transferred my mortgage from XXXX to XXXX to XXXX & lt ; XXXX. Where were the reps from these now defunk companies sinceXX/XX/XXXX. Paper work was also fraud. I guess anyone can steel anyones property I have proof of this even in court documents. 

It is required to register right to collect where is the XXXX in XX/XX/XXXX and Littion Loan servicings? 
You as well as the XXXX district court stole my house. Was n't itbad enough that these banks did what they did? 
Iam now XXXX years old with majer health problems brought on buy this, My credit is being ruined by Ocwin bank who never collected a dime and is not registered in the XXXX district to collect.CFPB did nothing as well as Federal Trade Commision and HUD you all are being paid to enforce Comision protection Laws and NONE of you are you all need fired. for you XXXX, Please do publish this and if not I will!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach located in dispute letter
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions If one credit bureau remove something from my credit, then all three credit reporting agencies should make therefore the information is inaccurate. In this case Equifax removed the collection account from my credit report, but XXXX and XXXX have yet to remove them. I have did disputes online and sent multiple dispute letters in the mail. I have inaccurate names, addresses, phone numbers, and even my social security number is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

How in the XXXX do you know how to fix the problem if I cant give you any personal information of who I am does not make any sense at all but anyway the money source reported that the loan was delinquent of {$25000.00} when my loan is in process of loan mitigation because the stupid company let the paperwork sit on the desk and we had to redo it but I was assured of the company that it was being handled and she knows who she is by the name of XXXX at XXXX XXXX, that it was handled, but they still reported us as delinquent I need it off the credit report immediately not only that, they dont need to be in business, But I have been making payments and they know that the right hand doesnt know what the left hand is doing they need to get their XXXX together!
Product: Vehicle loan or lease

I had a loan with XXXX XXXX for my vehicle. My vehicle was paid off by insurance due to it being totaled, on XX/XX/. My monthly payment where due on the on the second of each month. My insurance had contacted Kia and requested a pay off amount and let them know they would be sending a check. The check took couple days but they received mean while Kia kept sending letter to make the payment or otherwise this would go on my credit report for failure to make payment. I eventually made the payment because I didn't want my credit to be ruin just for this. Kia had mention I would get refunded if they had received and excess payment. Once everything was paid I call an ask about my payment they told me that it will take like 30 days so they can process and close the account. The 30 days passed and nothing happen. I called again and they keep telling me its on hold because they need to figure out who they sending the money to. They said wait 10 days and call again. I keep calling and they tell me its pending and they will transfer me to someone that may help me after they just hang up or always tell me they don't have anyone that speak Spanish that may help me. Its been more than two months and I havent received my money. I wish they where as good to resolve this issues and refunded me my money like they where on me to make my payment. On the account on the documents they have that they issue a refund for the amount of {$510.00} on XX/XX/ but this is not the case I never did received. There is also document saying that the amount of interest for XXXX  for my account was the total of {$710.00} which I don't know where this money is because they haven't sent me anything. I tried reach out to them many times and they just have me on hold for hours to end up hanging up on me.
Product: Checking or savings account

My account was hacked there was many transactions on my account was fraud I never made any of theses transactions wells fargo failure to look at my claim I wish they will relook at theses transactions. 3 claims I didn't recognize theses transactions claims are XXXX
Product: Money transfer, virtual currency, or money service

I was in the military on XXXX XXXX XXXX  and I wanted to make a purchase of a vehicle while I was going to transition in XXXX XXXX. On XX/XX/XXXX I made a purchase on Carvana, and it was a white XXXX XXXX that was worth approximately {$40000.00}. I gave a deposit of {$3400.00} on his XXXX XXXX  debit card. I then changed my mind on the previous vehicle because the mileage of the vehicle was XXXX. I made landline with Carvana to switch to a blue XXXX XXXX that had a mileage of XXXX. I also didn't want the vehicle any longer, so Carvana attempted to send me back a refund check. On XX/XX/XXXX when Carvana sent via US mail his refund check in the amount of {$3400.00}. The refund check was sent over to my grandmother mailing address at XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX. I was then informed that my father moved in with his grandmother at the same location. XXXX XXXX stated on XX/XX/XXXX when I find out that the refund check was sent to that mailing address, but his father already went to a check cashing place to cash out the check on XX/XX/XXXX. I spoke with my father numerous times about giving me my funds back, but it never had been resolved. I have sent over many forged affidavits to Carvana and XXXX XXXX to be reissued funds, but I was told that I was going to be receiving funds from Carvana.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to several bills I continued to receive in the mail. I have never heard from the place before. I immediately suspected my identity had been used. I reviewed my report and I was caught by surprise on things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$36000.00} XXXX XXXX {$1300.00} XXXX XXXX {$4400.00} DEPTEDXXXX   XXXX {$1400.00} XXXX XXXX {$0.00} XXXX XXXX {$34000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX {$530.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$740.00} XXXX XXXX  XXXX {$530.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$7800.00} XXXX XXXX {$960.00} XXXX XXXX {$680.00} XXXX XXXX XXXX  XXXX {$490.00} XXXX XXXX XXXX {$530.00} XXXX   XXXX {$270.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$670.00} XXXX XXXX {$880.00} XXXX XXXX {$440.00} XXXX   XXXX {$2200.00} XXXX  XXXX {$740.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$500.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 card

Someone was able to access my Chase accounts over the phone. They added an authorized user. They were able to get my credit card numbers and make fraudulent purchases. Apparently they were able to change the mailing address and have card sent to them. The actual fraud was committed Using a digital wallet I believe. This was done for several credit cards. I was told someone was able to log into my account from out of state. As I begin to get Information the call was disconnected and no one called me back. I want to ask that it would be investigated if a Chase employee was involved.
Product: Mortgage

First contacted this loan officer who took my income information and made a pre-approval for the amount of a home I was looking at, it was hitting the max end of our pre-approval but she did it anyway. When our buyer of our home wanted us to pay closings costs, $ XXXX, I asked XXXX if this would be a good idea, she said that we would maybe have $ XXXX leftover if we paid our buyers closing costs, if we purchased this home we were looking at. There was a lot of communication back and forth with XXXX she kept asking for items I had already sent her, and pretty much rushed us through the process. I do not recall any sort of pre-counseling of sort or notice regarding not using your credit cards when in the process of trying to obtain a mortgage. Also, I ended up not paying my mortgage because I was using that money to make repairs. From the months of XXXX through XXXX is when our loan was pre-approved. Then, come the day we were finishing up on closing on our loan all of a sudden this lender says we are not qualified. Actually, I could not even get a hold of XXXX after she emailed me and told me that we were no longer approved. I tried calling all day Friday and the remainder of the weekend. I was basically blown off and given no chance to fix the deficiencies. We literally had already sold our house based on XXXX 's professional advice. They must have done something procedurally incorrectly, well they did, we had ten days until we were homeless at that point. We could not breach our contract with our buyer. We scrambled and there was no apology, no response, no nothing. I spoke with XXXX XXXX, her supervisor, the mortgage branch manager, he had no idea about our file or what was going on. It was awful to know no one cared that our us and our XXXX kids would be homeless. We were lucky enough to have our seller rent his house back to us while we are ( stlll ) trying to correct the deficiencies that XXXX apparently did not catch ( or her team ). This is a complaint against the entire department. There is no oversight nor care in the way XXXX or her team do their job. I am writing this complaint in hopes that this does not happen to anyone else that they may work with on a home loan, there needs to be reprimand, although I think XXXX should be fired for this behavior. The only person at that company that even remotely helped or answered the phone was XXXX XXXX. This company should not be allowed to do business unless they are in the business of making families homeless.
Product: Debt collection

My identity was used to open an account at Citi Bank. I informed Citi Bank that my information was misused and they still sold this debt to XXXX XXXX XXXX, XXXX. This is illegal. It needs to stop. I researched the Federal Trade Commission and Fair Credit Reporting act. These practices violate the laws congress enacted to protect the consumer.