23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There are two collection agencies involved here. The XXXX XXXX XXXX XXXX XXXX-Collections and XXXX XXXX XXXX. 
Debt Amount was {$3500.00} original delq. date.XX/XX/XXXX At that time that agency tried to get me to agreement voluntary repayment with a signature for the Exchange. I refused, I don't own them anything the bill The XXXX XXXX XXXX treated me to pay the all with interest. I didn't give them or do business with them. I own them nothing, I don't own this agency nothing. They used the same logo that fall under the Army & Air Force Services. 
U.S. DEPARTMENT OF THE TREASURY, BUREAU OF THE FISCAL SERVICE SET THIS BILL AS A SET OFF ON MY SOCIAL SECURITY ADMINISTRATION. TOP trace, non-tax Federal Debt. I must pay you in anything other than appropriate commercial paper should the debt be proven valid because to my knowledge, the U.S. congress provided the appropriate solution for me to settle my debt via the remedy in House Joint Resolution ( HJR ) 192 of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This is XXXX XXXX. I have been trying to resolve inaccurate credit reporting for over 6 months. I have talked to XXXX XXXX XXXX, Elan Financial Services/ XXXX XXXX , XXXX  , and XXXX  to update a late payment alert on my account. I have resolved the issue with my bank and financial company, but the both XXXX  and XXXX  have refused to assist me with this issue. I have filed over 5 disputes over this issue and this still has not been resolved. I plan on purchasing a home in the next year or two and it is crucial that this gets fixed. Please assist with this issue as soon as possible. 

Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and they opened up several accounts using my information and I furnished none of these. Please remove them off my credit report. The items are as below : - XXXX XXXX - XXXX - XXXX XXXX XXXX  XXXX US Dept of Education ( {$1800.00} ) - US Dept of Education ( {$2200.00} ) - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1200.00} ) - XXXX XXXX XXXX ( {$1200.00} ) - XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am in the process of purchasing a home and the loan officer requested I lift the freeze on my credit. I was able to easily temporarily lift the freeze with XXXX  and XXXX. 
Regarding Experian I've tried their online form and called all different numbers listed on their site. I also have the pin number they provided when I placed the freeze years ago. 
I've been trying for three days to speak to someone and am unable. I've called all the numbers listed on Experian 's website followed instructions and just get an automated loop nightmare. I've also contacted them via email and received no response. I also tried to create an account with them and couldn't. Experian is making it impossible for me to request a lift on my credit which is preventing me from obtaining a mortgage. Something I need to do immediately! 
I also contacted Experian 's business line and I was able to speak to a person who gave me the instructions on how to get to a human but it did not workout. I am unable to get to the option of unfreeze my credit. I am only provided with the option to freeze my credit or place an alert to my credit. These are all the numbers I tried : XXXX. Customer Service. 10 mins. XXXX. 
XXXX. 
XXXX. Corporate Offices. 7 mins. 
XXXX Credit Reporting. 35 mins. 
Customer Service. 
XXXX. 
sent email to : XXXX. Customer Service. 
XXXX. Fraud Detection. 10 mins. 
My wife as tried as well with no success. 
There is a glitch with Experian 's network and is preventing consumers from getting access to their credit. 
I look forward to your response. 
Kind Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/year> - {$00.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the terms of the loan, the loan should show a status of forgiven ( or closed ) on my credit report. Citizens Bank has incorrectly reported the loan as a charge-off.
Product: Debt collection

I sent a notice to correct an error on or about XXXX XXXX, XXXX. Ocwen sent 2 separate letters stating that they would investigate and provide documents. Ocwen has failed to respond to the notice but have had counsel, its office of the Ombudsman and customer care inform me that the sale will proceed on XXXX XXXX, XXXX without any documents presented that no errors occurred. Documents showing that I have asked Ocwen for a response as early as this morning is attached. The attachment also supports that there are in fact errors that were made. 




MailBoxes Inbox ( XXXX ) Drafts ( XXXX ) Sent Spam ( XXXX ) [ Empty ] Trash [ Empty ] My Folders [ Edit ] Previous Next XXXX ' XXXX XXXX 's unbelievable how different your daily life can be with the addition of some smart tools. Free your mind to focus on the really important things. 
Notice to Correct Error Loan number XXXX Thursday, XXXX XXXX, XXXX XXXX AM XXXX as Unread From : " XXXX XXXX '' XXXXXXXXXXXX To : XXXXXXXXXXXX Full Headers Printable View XXXX XXXX XXXXDownload All PDFnccob response XXXX XXXX RE : XXXX Borrower Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NC XXXX Dear Sir/Madam : This email is being sent in response to your counsel at XXXX notification that the property will be sold at a foreclosure auction on XXXX XXXX, XXXX. 

Please be reminded that your office received a Notice to Correct an Error ( RESPA ) on or about XXXX XXXX, XXXX via electronic services. 

Your office has not responded to the error wherein your predecessor initiated the foreclosure before mailing the 45 day pre-foreclosure letter. In support of this failure to respond and as a means to show proof that actual errors occurred, I am attaching documents that are evidence of your errors. 

Please be advised that a formal complaint will be filed in Federal Court as a result of your inaction on the Notice to Correct the Error. 

A new complaint will be launched with the Consumer Financial Protection Bureau. 

Regards,
Product: Mortgage

We purchased/closed on a newly built home in XX/XX/XXXX. Our monthly payment was {$2200.00} on XX/XX/XXXX. Cornerstone Home Lending notified me in XX/XX/XXXX of a second county they disbursed taxes to ( that they were surprised by ) and that my escrow was now deficient by {$3600.00} and my monthly payment would go up to {$2800.00}. I immediately paid the second county tax in the amount of {$3600.00} on XX/XX/XXXX ( towards escrow - to catch up ). Then Cornerstone notified me in XX/XX/XXXX that my escrow was still deficient by {$1800.00}. I asked what the basis for the {$1800.00} and was told it was taxes. What - why wasn't this brought up previously? I was also told that my XX/XX/XXXX payment was now to be {$3100.00}. Several questions come to mind. How can a mortgage company whose job it is to know how best to estimate escrow not even know that my property involves two counties to pay tax to? How can a mortgage company not have payment and escrow history available to the phone rep for XX/XX/XXXXwhen I call in to understand how my monthly payment can increase by {$810.00} over about 12 months? How can I close on a home in XX/XX/XXXX without taxes having been paid to both counties and that be the responsibility of the mortgage company to factor in when establishing my escrow for XX/XX/XXXX? How can the mortgage company not explain why in XX/XX/XXXX the total tax shortage was {$3600.00} and then 15 days later say it's an additional {$1800.00} that I owe escrow? How can I be presented at closing with a mortgage payment of {$2200.00} and then within about 19 months be paying {$810.00} more a month? I am not challenging the tax amount. I questioning how the mortgage company can present a monthly payment that is so off the mark from the end of XX/XX/XXXX to the beginning of XX/XX/XXXX. It's not that the taxes increased it's that the mortgage company didn't even account for all the taxes to begin with! So frustrating.
Product: Debt collection

I have disputed this account as fraud with Experian and it keeps coming back as accurate, But that not true because XXXX  and as well XXXX  have taken off My Credit report due to fraud!
Product: Checking or savings account

XXXX  XXXX XXXX  routing number : XXXX Account # : XXXX open date : XX/XX/year> close date : XX/XX/year> They held XXXX from me for XXXX months and after they verified the checks as accurate they delayed them, and banned me i request a reinvestigation so i can properly bank with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. These accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX CT XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX XXXX i commenced a dispute of the contract between me and Exeter finance LLC Via an inquiry directly with said company At which point I was under the impression that negative reporting would cease for 30 or at least until There was proper validation of the obligation however XXXX and XXXX immediately reported negative information during this time and they refuse to rectify this mistake after I have reached out to both of them and provided all pertinent documentation of this dispute. Exeter is also refusing to amend the report after several request
Product: Credit card or prepaid card

Called Chime debit Visa customer service after receiving debit Visa card in my name that I never applied for. SPOKE TO GENTLEMAN WHO WOULD NOT GIVE ME ANY INFORMATION AS TO WHY I RECEIVED THIS DEBIT VISA CARD IN MAIL ON THURSDAY XX/XX/2022. I WAS ON THE PHONE WITH HIM AND WAS ASKED TO GIVE HIM THE LAST 4 DIGITS OF MY SOCIAL SECURITY NUMBER AND MY E-MAIL ADDRESS. I TOLD HIM SINCE I HAVE RECEIVED THE DEBIT CARD IN MY NAME, AN ACCOUNT NUMBER, AND EXPERATION DATE, THEY SHOULD ALREADY HAVE THAT INFORMATION. HE EXPLAINED HE WAS NOT AUTHORIZED TO GIVE BACK TO ME ANY INFO WITHOUT MY E-MAIL ADDRESS AS THIS WAS THE ONLY WAY TO RECTIFY THIS PROBLEM. 
I ASKED FOR HIS SUPERVISOR AND HE SAID HE DID NOT HAVE ONE. I TOLD HIM EVERYONE HAS A SUPERVISOR AND I WANTED TO TALK TO HIM ABOUT THE SITUATION. HE AGAIN SAID HE DID NOT HAVE ONE AND THE ONLY WAY TO INVESTIGATE THIS WAS BY E-MAIL. AFTER SPEAKING WITH HIM 25 MINUTES I FINALLY TOLD HIM THAT HE WOULD BE HEARING FROM ME ANOTHER TIME AND IF I FIND I AM A VICTIM OF IDENTITY THEFT HIS COMPANY WILL BE HELD RESPONSIBLE. THE TOLL FREE NUMBER I USED WAS : XXXX. THANK YOU.
Product: Mortgage

On XX/XX/2021, I worked with a loan officer at JP Morgan and received a loan estimate of 2.625 % rate that was a match from XXXXXXXX XXXX. This was a rate with no points as confirmed by email and forwarded to XXXX broker. She confirmed they could match the rate because I was Chase Private Client and wanted me to stay with the bank. She mentioned that there was no issue with this and needed to confirm with her manager. 2 days later on XX/XX/2021, I received a call indicating that rate was not approved. They could offer me a rate of 3 % instead and asked that if I wanted the lower rate, I needed to transfer more money than the $ XXXX I already had with JPM. In the mean time, I lost the ability to lock the 2.625 % rate with XXXX XXXX  and ultimately was not able to get the rate I was quoted days before. 

This is not only infuriating but actually costs me money in the amount of $ XXXX over the life of the loan. This is incredible that the protection agency has not advocated to stop this practice. It should not take 2 days to lock a rate and if quoted a rate, this should be honored and provided in writing. There is no way for consumers to get shop if those rates take days to lock in and then they do not get approved. I lost the ability to lock in my rate with other lenders because of a direct lie from XXXX.
Product: Debt collection

There is a debt listed on my XXXX, XXXX, and XXXX reports from XXXX XXXX for the amount of {$120.00}. I am unsure of its origin and have requested a Debt Validation Letter, but I have not received a response.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ALLY Financial XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern, I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you provide legal validation of such debt, and the requirements are as follows. : Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX  XXXX. Agreement that bears the signature of the alleged debtor wherein I agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX, XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, XXXX XXXX XXXX, XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. I look forward to a speedy resolution of this matter. 
Yours Sincerely, XXXX XXXX XXXX
Product: Mortgage

XX/XX/2018 Standard Mortgage delivers check in amount of {$1100.00} to XXXX XXXX XXXX for annual hazard insurance payment. Paid out of my escrow account, which was " fat '' because Standard Mortgage had been collecting more than was necessary to cover T & I. On XX/XX/XXXX the check is redeposited in my escrow account. No further action to pay property insurance taken. All this is evident by reviewing my account online. 


Today, XX/XX/XXXX, I received an email notice from XXXX XXXX that tipped me off on the problem with payment. XXXX XXXX says the check was unauthorized. Now of course the insurance company wants me to pay the annual premium ASAP plus the returned check fee. 


I do not know why the check from Standard Mortgage did not issue a valid check to XXXX XXXX. I have never missed a payment and have been a customer of theirs for 17 years. I currently have 2 houses mortgaged through them. 

My biggest issue besides the " bad check '' is that I was not notified and there was no followup action to cut another check to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, XXXX, and Experian regarding inaccurate information reported on my credit report. In my correspondence, I listed the specific accounts in question and detailed the violations they were making to my consumer report. It has been over 30 days since I sent these disputes, and I have not received any response from any of the credit reporting agencies. I am attaching copies of all the letters I sent below for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Date of inquiry : XX/XX/2021XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/2021, XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/2021XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2XXXX XXXX  Date of inquiry : XX/XX/2021, XXXX XXXX Date of inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) a court order d ) employment None of the below inquiries resulted in any of the above outcomes. 

Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX  Date : XX/XX/XXXX Company : XXXX - XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX
Product: Student loan

XXXX College XXXX campus XXXX XXXX XXXX XXXX. 
XXXX CA XXXX I believe I have Genesis Loans which is now XXXX XXXX XXXX XXXX and would like to know if they are included in the CFPB settlement.
Product: Credit reporting

I have a student loan payment each month. During a time of financial difficulty, I failed to make the monthly payment for 90 days. This is not in dispute. The issue is this single monthly payment accounts for XXXX separate student loan accounts on the fedloan site. So this XXXX slip up hit my account for XXXX late payments ( 60 days late ) and then XXXX delinquent payments ( 90 days late ) which took my score from XXXX to XXXX. How am I supposed to recover from that and it 's not like you can make a partial payment on the fedloan site. XXXX hits to my credit score from XXXX missed payment over a 90 day period ( XXXX at 60 days past due and another at 90 days past due ). When contacted, fedloan stated they can not make changes to this reporting. I was late, so sorry, but maybe I should pay my bills.
Product: Checking or savings account

Well, years ago I opened a Bank account at XXXX XXXX, but I had to leave the country and let the account in zero balance. Now I can't open an account in another bank. I am moving to the US and I need an account to get paid.
Product: Vehicle loan or lease

I have been in contact with XXXX who has been amazing and easy to speak with. As you are probably aware, XXXX is refusing to work with 3rd parties and don't want to give up the title for the XXXX XXXX XXXX. XXXX told me they sent you guys a check for {$28000.00} for it. The issue is, I have already made 3 payments with XXXX XXXX XXXX XXXX. The problem is XXXX  won't give up the title, and XXXX won't allow the loan to be unwound.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint and seek immediate assistance concerning fraudulent inquiries on my credit report resulting from an identity theft incident that occurred several years ago. 

Recently, I reviewed my credit report and was alarmed to find multiple unauthorized and fraudulent inquiries. These inquiries are significantly affecting my credit score and overall financial well-being. As a victim of identity theft, I have already contacted the relevant credit bureausExperian, XXXX, and XXXX report these fraudulent activities and request the removal of the unauthorized inquiries. Despite my efforts, these inquiries remain on my credit report, causing me continued distress and harm. 

Please remove the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request the Consumer Financial Protection Bureau 's urgent intervention in this matter to ensure that these fraudulent inquiries are removed from my credit report promptly. I have taken the following steps to address this issue : Contacted Credit Bureaus : I have submitted formal disputes with Experian, XXXX, and XXXX regarding the fraudulent inquiries, providing all necessary documentation to support my claims. 
Filed Police Report : A police report has been filed regarding the identity theft incident, and copies have been provided to the credit bureaus. 
Placed XXXX Alerts : I have placed fraud alerts on my credit files with the major credit bureaus to prevent further unauthorized activity. 
Despite these actions, the fraudulent inquiries persist, and my attempts to resolve this directly with the credit bureaus have been unsuccessful. The prolonged presence of these unauthorized inquiries on my credit report is unjust and is causing undue hardship. 

I have attached a copy of the police report from when my vehicle was broken into and my identity was stolen, I also attached a copy of the latest FTC Report that I filed last year. 

I implore the CFPB to assist me in ensuring that the credit bureaus adhere to their legal obligations to investigate and remove these fraudulent inquiries promptly. Please find attached copies of my dispute letters, police report, and other relevant documentation for your reference. 

Thank you for your attention to this urgent matter. I look forward to your prompt assistance in resolving this issue and restoring the integrity of my credit report.
Product: Debt collection

I was not made aware by XXXX XXXX that I had an outstanding balance and was contacted to my brand new phone number by Southwest Credit Agency. I was told I had an outstanding debt and the credentials collection representative XXXX XXXX stated that XXXX XXXX also known as XXXX XXXX gave them my phone number. I spoke with a supervisor named XXXX XXXX who also claimed that XXXX cable gave them my phone number. I verified with XXXX and they said they didnt have my two new numbers. XXXX  also never sent out notices of a debt collection and never knew my debt had gone to collections. Id like to file a complaint against XXXX for failing to inform me of a debt.
Product: Debt collection

Despite the multiple previous written requests, the ARBOR PROFESSIONAL SOL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX XXXX XXXX Experian say that the creditor has verified to your bureau that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I would like you to send me a copy of my payments with this creditor asap to verify what you say is indeed correct