23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have made {$60000.00} additional principle payments for the past 1.5 years. Freedom mortgage is not applying the payments to my principle as they are made. They apply them to my regular monthly mortgage payment ( which I already make in addition to the principle payments ). So they will have my monthly mortgage payments paid for months at a time instead of applying it to the principle as requested. I have spent hours on the phone trying to get them to apply the payments to my principle. Eventually they applied them to the principle however they never applied it on the dates they were made. They apply them months after. I requested and received payment history information on my mortgage and the problem has not been fixed. I have spent hours on the phone and have spoken with supervisors and have gotten no where. I am still waiting for a supervisor to call me and that was days ago and I have even called back since and have not received any help.
Product: Debt collection

Credit Bureau : Experian Account : XXXX XXXX Type : Medical debt collection Original creditor : Texas XXXX XXXX Amount : {$380.00} Desired resolution : REMOVE from my Experian credit file for multiple violations. 

I am writing to file a complaint against Experian credit bureau for violating my rights under the FCRA regarding an account with XXXX Financial for an alleged medical debt collection. This debt is not accurate, complete & verifiable ; therefore, must be removed. 
*TransUnion has already removed this debt from my credit file after their investigation, but Experian will not. 

Violation # 1 : XXXX is continuing further collection activity, including credit bureau reporting, without validating this debt. I have written XXXX twice, and called them twice to dispute and seek validation of this debt. They responded in XX/XX/2020 by sending another invoice, but NO supporting evidence of the debt. I also called the original creditor, Texas XXXX XXXX in XX/XX/2020, and they could not find record of this debt either, nor could the Supervisor. 
1st dispute to XXXX  : XXXX 2nd dispute to XXXX : XXXX Phone call to XXXX  : XX/XX/2020 Phone call to XXXX  : XX/XX/2020 Violation # 2 ) Failure of Experian credit bureau to perform a proper investigation. 
I have disputed this 3 times with Experian, but they continue to verify this debt as accurate. ( Experian told me by phone on XXXX that my 3rd dispute request was dismissed as frivolous because it had already been verified as accurate by XXXX, and Experian was not required to obtain proof of the debt. ) My report now says This item remains unchanged from our processing of your dispute in XX/XX/2020. 
1st dispute to Experian : XXXX 2nd dispute to Experian : XXXX XXXX dispute to Experian : XXXX Violation # 3 ) There can not be a Past due amount reported on a Collection, yet my report shows Past due {$380.00}. 

*See attached documents confirming my previous attempts to dispute this debt and request removal.
Product: Credit reporting or other personal consumer reports

I have inaccurate addresses on my credit report that I have no knowledge of
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts on my credit report that are not mine they have not been approved signed used by me this is a case of identity theft and I have been trying to get thru to the bureaus regarding this but after multiple letters that have been going out since XXXX of this year nothing is being done about this. I need some assistance Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX  XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 2019
Product: Credit reporting

I disputed an entry on my credit bureau for XXXX XXXX / XXXX as I have no knowledge of this account. Transunion responded on day 31 that it met FCRA reporting however has not provided me with a response as to why they believe that or what information was provided by the creditor. I beleive that any information provided by their client would also prove to be in error
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 or prepaid card

I opened up two credit card accounts with two different stores : Ashley Furniture & Lumber Liquidators. Both stores advertised the accounts as no interest for 24 months, but I noticed after a few months that I have been charged a monthly " card security '' interest fee on both accounts since the cards were opened. Synchrony Bank claims it's a " benefit program '' that I opted into, but I never willingly opted into this when I applied for the card at each store. Synchrony Bank, Ashley Furniture and Lumber Liquidators are scamming their customers and this should not be allowed to continue.
Product: Credit card

I am reaching out to address potential errors on my credit report. I kindly request your thorough examination of the following information to ensure its accuracy, timeliness, completeness, and verifiability. 

I have no knowledge of the account listed below and therefore request an investigation into their origin. I possess no documents such as a police report or fraud affidavit pertaining to this account. Additionally, please verify that they are not untimely, incomplete, inaccurate, or unverifiable. 

BESTBUY/CBNA XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2021 I went in to get a loan and they said they would get the loan but then the lady XXXX threw my is at me and stated she wouldnt do business with me pulled my credit without asking me and that is illegal. They wore being XXXX to me because of my ethnicity.
Product: Debt collection

At approximately XXXX XXXX. on the above date, a person calling himself XXXX XXXX from I Q Data International, at this phone number ( XXXX ) XXXX, telephoned me in regard to an old rental issue for which I am *not responsible*. Using scare tactics and abusive language, he attempted to garner information he is not entitled to, one of which was how much money was in my bank account. He also called my fianc, my fianc 's mother, brother, and other family members, clearly showing that he was stalking me on XXXX, with the intent of stirring up discord and contention and to humiliate me. Near the end of the phone call, when I asked, What are my options? I'd like to move forward, he said, Well,  good luck to you, and hung up. So all of that harassment of myself and my family was for nothing if he actually intended to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I contacted TransUnion to remove inaccurate names on my credit report
Product: Mortgage

This here Complaint is to take Notice of the Recently received " Foreclosure Sale Accounting '' from Harmon Law Offices, PC, which is full of FALSE information, including a non existent escrow account from over 10 yrs ( past any statute of limitations ) ago, non existent Inspections {$620.00} when there were Never any inspections by this party. Also, a Suspense account that is illegal, a mention of " Other Costs '' which does not state what they are, and also Publication costs of {$4500.00}. there is no way with the prices listed on this attached Price Rate sheet that Harmons publication costs can possibly be true. Please see the ATTACHED advertising XXXX XXXX pricing sheet with Harmons Letter of how insanely FALSE this so called accounting is. as stated from Harmon Law. Please see Attached. This is all false information RECENTLY received by me. Harmon Law Offices is working with XXXX XXXX to sell for pennies on the dollar-like prices and also this the XXXX XXXX  realtor XXXX XXXX is using a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to do wrong doing while hiding her own name, by signing homes over to XXXX whom has the business card showing XXXX XXXX XXXX and now the claiming to own my home now stated on reg deeds record ( ignoring my Trust and Homestead on record in Deeds office ), as being D Management XXXX XXXX XXXX, giving them their own deeds, while she evades highly potential prosecution and litigation for these illegal purchases/ sales. Lastly, the attached advertising rates sheet is dated XXXX of XXXX so that it IS accurate to this time. No way is the foreclosure accounting in this Harmon letter possibly Accurate, this is another Harmon Law on behalf of XXXX XXXX XXXX XXXX, XXXX. attempt to illegally foreclose on me and throw me out into homelessness for profit. I am XXXX yrs old XXXX  and XXXX and including XXXX XXXX affected by this ongoing severe duress see this law Elder Abuse Prevention and Prosecution Act of 2017 ( P.L. 11570 ), I will not be abused by these predators. Lastly XXXX XXXX XXXX XXXX, XXXX. is not registered to do business in the state of MA. And also the mortgage And the promissory note is Obsolete. I have this whole foreclosure auction sale of XXXX on recorded disc.
Product: Debt collection

I disputed a paid collection item on my credit report with the collection agency Cavalry Portfolio Services and requested that the item be removed from my credit report as it was over 7 years old and had been paid. The original creditor had already removed the item from my credit report. I then sent Cavalry Portfolio Services a certified written request that they provide all information on the disputed item such as the original collection date, date paid, and all information pertaining to the collection and the proceeded by only sending me a letter that stating that this account was already settled. I called them and spoke to a manager concerning the account and I again confirmed to her my request that I would like to know the original date of collection, proof and confirmation. The manager told me that they had no such information because the item was so old and I told her that was the point in my dispute and the item was much older. The manger than said I would have to file a complaint because it was our of her hands to be able to remove the item from my credit report.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and notice that I have some hard inquiries that, I did not Authorize ACCOUNT note loan XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX ACCOUNT Auto loan XXXX ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian Credit Bureau regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i Disputed Items : XXXX. XXXX XXXX Account XXXX XXXX - Not my Account XXXX. XXXX XXXX XXXX Account # XXXX Not my Account XXXX. XXXX XXXXXXXX XXXX Account # XXXX Not My Account XXXX. XXXX XXXX  Account XXXX XXXX Not my account I have requested detailed explanation and evidence of the verification process from Experian, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. I request the CFPBs assistance in ensuring that a thorough investigation is conducted and that Experian provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. Information should be accurate across all three bureaus and Experian is the only bureau reporting these accounts
Product: Credit reporting or other personal consumer reports

A new address showed up on my credit report, which was XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have never lived at this address so I am confident that this was added by the same person that applied to different credits using my social security number.
Product: Money transfer, virtual currency, or money service

I'm not able to withdrawal my crypto ( Virtual Currency ) because I'm not getting the verify emails to withdrawal. I get all other email and I've whitelisted all Binance.US emails. Binance.US is the only problem not receiving the emails. First email to Helpdesk : XX/XX/XXXX to report this problem, Ticket # XXXX. XX/XX/XXXX Binance.US responses : whitelist the emails. ( done ). XX/XX/XXXX 2nd response via email & XXXX ( NO RESPONSE ). I stated maybe the problem is with their Email XXXX XXXX ( XXXX XXXX XXXX ), an email delivery service, to send withdraw verify emails. XXXX will mark an email address inactive and will not send future emails to the email address if the address has had at least 1 delivery error in the past ( Commonly referred to as a Bounce ). XXXX XXXX issue Link : XXXX : XXXX I emailed and posted on twitter for status update on XX/XX/XXXX NO RESPONSE. Posted on XXXX for status update XX/XX/XXXX NO RESPONSES and today XXXX. 

XXXX : IDs :@XXXX  / @ XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This information does not relate to any transaction that I have made. I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Product: Credit reporting or other personal consumer reports

I am reaching out regarding XXXX failure to address fraudulent information on my credit report caused by identity theft stemming from their data breach. Under 15 USC 1681c-2 ( a ), I have the right to request the removal of these fraudulent entries from my credit file. Despite submitting the required documentation, Equifax has not resolved the issue. I am requesting your assistance in ensuring that Equifax complies with this law and removes the inaccurate information from my report. 


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

When I investigated my credit report, I realized that some of the pieces of information were erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6100.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00}
Product: Checking or savings account

On XX/XX/2018 at XXXX XXXX pst I used a XXXX XXXX ATM and the machine did not dispense any funds. I first contacted XXXX XXXX via phone and in person with the branch manager and informed them of the situation and was told since Im not a XXXX account holder they are unable to do anything for me and I need to contact Comerica Bank and file a dispute and that will intiate the disputing process with them. I then contacted Comerica and filed a dispute and also faxed a written statement of what happened and attached a copy of the ATM receipt that states that XXXX XXXX is unable to give me any funds right now and to call their 800 number. Its been 4 days now and I havent received any type of credit to my account. Every time I call they tell me it could take up to 45 days to investigate and just because I faxed them a statement and a copy of the receipt does not mean they will be giving me the provisional credit. I have been trying to get this matter expedited with Comerica and XXXX XXXX and gotten no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

At some point years ago, a fraud alert was placed on my account with Experian. As a security measure they placed my phone number on the alert, making it impossible for me to be approved for credit unless I receive a personal phone call. The problem is that they have the wrong phone number. I have tried for so many hours to get this corrected, can not talk to a person and the automated system just says it has to call the number before it can do anything. After approxtamantly XXXX hours of working on this I have managed to get the old number removed, but now I am told they can not fix anything unless they call me and since there is no number they can not call me. It seems to be impossible to talk to an actual person and the XXXX times I did reach an actual person they told me they would have to call me on the number they have, A wrong number, this is not due to me changing my number, because I have had my current correct number for about 20 years. I finally got ahold of them again today and was told the number is gone, but now they have no number, and they have to call me on the number they have and since it is not there they can not call or add a phone number. I need help dealing with this, the company is costing me so many problems do to a simple problem that should have been an easy fix...
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it shows I owe a balance of {$2900.00} to XXXX XXXX and it is in collections with XXXX XXXX. The problem is I've never lived here. I went to XXXX XXXX and they were unable to provide a lease, my signature or any information I am trying to find a place to live and this is a hindrance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received my XXXX XXXX ( Report # : XXXX ) however accounts have not been deleted due to inaccuracy. According to the FCRA there are MULTIPLE VIOLATIONS reporting inaccurate on my credit reports. I have attached an original copy of ALL XXXX credit bureaus highlighting these inaccuracies and I have also attached XXXX Dispute Report. 

Account Name : XXXX XXXX XXXX Report : Open Date : XX/XX/XXXX Last Reported Date : XX/XX/XXXX Date Last Active : XX/XX/XXXX Transunion Report : Open Date : XX/XX/XXXX Last Reported Date : XX/XX/XXXX Date Last Active : XX/XX/XXXX Account Name : XXXX XXXX XXXX Report : Date Opened : XX/XX/XXXX. 
No. of Months ( terms ) : 1 Last Reported Date : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date Of Last Payment : XX/XX/XXXX Transunion Report : Date Opened : XX/XX/XXXX. 
No. of Months ( terms ) : 0 Last Reported Date : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date Of Last Payment : XX/XX/XXXX Transunion also has 1 hard inquiry that I have brought to their attention and requested for removal as I am not associated with this HARD INQUIRY, below nor was it AUTHORIZED and as it appears to not have any relations to any account on my Transunion profile. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX These inaccurate reporting accounts are causing XXXX  due to the fact that I am not able pursue my desires.
Product: Mortgage

We just started construction to rebuild our home from a tornado. The mortgage company is holding all our money paid to us by the insurance company. We have an invoice for {$46000.00} that we paid to the concrete company. The framing is almost done and we need to pay that bill along with windows and drywall. The mortgage company is taking so long to reimburse us that we ca n't move forward. We ca n't keep contractors if we ca n't pay them in a timely manor. We can not wait 10 to 15 days to get this bill paid because the contractors will move on to another job. This is the time in construction where the money is going out faster and I am not getting cooperation from the people who have my insurance money
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Money transfer, virtual currency, or money service

I paid for a security deposit for a place I thought I was going to be renting but found out the person was a scammer. So I filed a complaint with my bank and gave all neccassary documents supporting the claim and was still denied several times
Product: Mortgage

I received a default on mortgage, for months XXXX XXXX and XXXX XXXX, payments. The default amount does not match the amount per my accounting records ( per my mortgage modification ). I would like an accounting statement for years XXXX XXXX to the present day XXXX/XXXX/XXXX. Please include our monthly payment ( per the modification agreement ). Also, please indicate current payment amount, when and by how much the payment has changed within timeframe, clarify any fees incurred with date, and disclose all tax and insurance disbursements with date. Finally, please include a complete accounting disclosure of the " unapplied funds '', since acquiring this loan as Greentree Servicing in ( XXXX ). I plan on having this default reviewed by my attorney. I do not trust this mortgage servicing company is acting in good faith, and transparent accounting is not available through their website.