23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our loan was transferred to Freedom with our escrow acct messed up it took us over a yr and XXXX mo to get this corrected freedom was of very little help then we became XXXX XXXX XXXX XXXX XXXX XXXX XXXX  asked for covid XXXX program we were told approx. 12 times from XXXX XXXX that it was not available VA verified this was incorrect, Then freedom issued a pre foreclosure noticed posted on home in XX/XX/XXXX we contacted county & were told that we are scheduled for a sheriff sale prematurely as there were XXXX of thousands of home that were in def prior to us with the amount of equity we have we felt they were trying to steal our home THEN THEY CONTACTED OUR HOMEOWNERS IN XX/XX/XXXX AND THE LETTER WAS STATING WE NO LONGER HAD ANY INTEREST NOR OWNERSHIP OF OUR HOME THIS CAUSED ANOTHER PROBLEM OUR HOME OWNERS WAS CANCELLED LEAVING US WITHOUT XXXX MONTHS AS A RESULT OF FREEDOM MORTGAGES NEGLEGENCE ALSO THEY FLOODED OUR HOME ON THE MARKET AS A REPO HOME AND IT STAYED ON INTERNET NATION WIDE FOR THE NEXT 9 MONTHS FREEDON REFUSED TO TAKE IT OFF AS WE WERE TRULY XXXX XXXX XXXX XXXX HAD TRESSPASSERS DAILY ON OUR PROPERTY TELLING US THEY BOUGT OUR HOME WHICH IN NO WAY WAS AT THESE TIME A REPOSSESSED HOME THEN TO ADD INSULT TO INJURY FREEDOM TOOK NO RESPONSIBILTY FOR THEIR NEGLEGENT ACTIONS CAUSING US TREMENDOUS STRESS & harm to the point it kept us very sick as well freedom did nothing to help or correct by doing this freedom who created the situation then put bank forced ins on our home are you serious this was their fault & they refused to contact XXXX XXXX to tell them that it was an error after XXXX more months of being very sick & trying to fix their XXXX now they have redone our escrow to show a huge shortage as a result of their mistake which has resulted in our payments going up significantly XXXX XXXX they then sent another ins pay back to our reinstated ins that we had to fix & worked 5 months to do so we want action & accountability on top of all this they destroyed my credit marking me last XXXX XXXX XXXX which we paid in XXXX total owing and were told we would not be marked late for 1 year which is a law since our servicer transferred our mortgage on XX/XX/XXXX so this needs to be corrected immediately as they have destroyed my credit caused immense stress trauma & work 100s of hours for us to fix their mistake as they did refuse to do so nor to correct anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Experian Credit Reports. The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 

EXPERIAN XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX EXPERIAN XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX FXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX of inquiry XX/XX/XXXX
Product: Vehicle loan or lease

I got a XXXX XXXX 13 months ago at U.S. Auto Sales XXXX XXXX XXXX XXXX in XXXX South Carolina. The agreement was XXXX biweekly, for 18 months. I was also told there was a program implemented in my car to shut it off if I do not make a payment. I was looking to trade it in for something else before I finished the XXXX mark because every time I shut my car off it doesnt start and I have to get a jump. So I went to the XXXX dealership on Wednesday XX/XX/XXXX to get an appraisal just to see what they would be able to do. I was then told they found an illegal gps tracker on my car disguised as a sticker in my door. Then they tell me my profile doesnt not say the agreement, it shows they are only taking out a total of {$150.00} of my monthly total for 72 months. So the gentleman told me he would still try to figure something out but the value of my car wasnt even a XXXX. He said to come back the next day. While I was at work I did some research and found out U.S auto sales has a federal lawsuit for multiple reasons, one being illegal gps trackers on their vehicles, two being kill switch starts on their vehicle ( which is why mine wont start ), three for illegal repossession, and four being tripling payments. I was advised to put in a claim and get legal advise.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX ( XXXX  ) i discovered that XXXX different unknown people initiated XXXX transactions via XXXX and stole {$14000.00} from my Truist personal checking account. I immediately called the Truist customer service phone number and was told that they were closed and to call back during normal business hours. The next morning I visited my local branch office and informed the bank officer. She froze my checking account and we opened a new account. She also initiated a fraud investigation by Truist. Since then, I have met with the branch manager and several other employees. They all offer great sympathy and understanding by none seem willing or able to do anything to help. I was told at one point, that my problem is with XXXX and not Truist. I filed a complaint with XXXX via their web site and they responded the next day via e-mail and told me it is not their problem and that I should take it up with my bank. I then received a letter from Truist stating that " I initiated the transactions and benefited from them ''. Therefore, they have closed the case. I then sent a letter to CEO of Truist, XXXX XXXX. To date, I he has not responded. Moreover, I received another letter today from Truist referencing a complaint I filed on this matter on XX/XX/XXXX, which only further illustrates their complete incompetence and ignorance. I never filed a previous complaint and the fraudulent transactions did not occur until XXXX XXXX, XXXX. Please help me recover my money and spread the word to other unsuspecting consumer about XXXX and the big banks that own XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified from this company to send in my proof of identity theft to this address XXXX XXXX XXXX XXXX, XXXX XXXX 

I have done so twice as well as waited the required amount of time by law. 

This company fails to investigate my alleged debt as well as notifying me of any investigation information or results. They continue to fail to provide any proof of ownership for their allegedly debt against me. 

Documenting all this information for further litigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX - Date Opened ( XX/XX/XXXX ) Account Number Ending In ( XXXX ) XXXX XXXX XXXX - Date Opened ( XX/XX/XXXX ) Account Number Ending In ( XXXX ) XXXX XXXX XXXX - Date Opened ( XX/XX/XXXX ) Account Number Ending In ( XXXX ) Amount ( {$570.00} ) All of this information above is fraudulent and I am writing to formally file a dispute regarding a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) by Equifax. I believe that Equifax has failed to comply with its obligations under the FCRA in relation to my credit report and have caused harm to my financial well-being. Equifax has failed to correct inaccurate information that I disputed on my credit report, despite providing sufficient evidence supporting my claim. Additionally, they did not notify me of the results of their investigation as required by the FCR

A. Specifically, Equifax has violated the following provisions of the FCRA : Section 1681i : Failure to conduct a reasonable investigation after receiving a consumer dispute. Section 1681e ( b ) : Failure to maintain accurate information on my credit
report.

Despite my repeated attempts to resolve this matter directly with Equifax, the issues have not been addressed, and I believe my consumer rights have been violated. I am requesting the CFPBs assistance in investigating this matter and ensuring that Equifax complies with its obligations under the FCRA.
Product: Debt collection

I paid this debit in full once I was able. They they labeled it as paid off or bad debt and left it in collections at 0 valence. Then my credit score went down over XXXX points because they made it look like ireopened the account like I missed a payment, only I didnt. The collection was only opened to be looked at so I could pay it off. I literally have the pay off letter in my hand as Im typing this note, with the account number, dates and everything. They left it in collections in all credit bureaus I believe except one maybe.
Product: Credit reporting or other personal consumer reports

Upon review of my Experian consumer report I noticed credit inquiries that I did not authorize upon checking my identical I was informed that I was a victim of identity fraud due to the data breach from XXXX I'm furnishing a copy of my FTC report and I'm providing the inquiries that need to be removed 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
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX And Im still waiting on answers
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/2022 about XXXX XXXX XXXX XXXX and the response from TransUnion said that they had deleted them, but they did not, all they did was just add the original lenders that were removed. We ask them to delete the XXXX XXXX XXXX account which was not accurate, they did not even mention it in their response, and as the same as XXXX XXXX, they added the original lender. In the XXXX XXXX account, a closed account that was removed, they are reporting late payments every month, damaging more my credit. I ask for all those accounts that have not been inaccurate to be removed, and their original lenders to be removed as well for incorrect information. PR telephone company with a XXXX of XXXX is also inaccurate information, I have actually account with them in good standing, please correct this. XXXX, XXXX and XXXX XXXX are repeated in collation agencies, this account as I said before they have inaccurate Information, they are to be removed. PR telephone company with charge off is incorrect, I have opened more accounts with them, have alway been in good terms. 
Please have this accounts permanently removed, and stop reporting closed accounts every month. 
XXXX. XXXX XXXX accounts XXXX. XXXX XXXX account XXXX. XXXX XXXX. XXXX  XXXX. XXXX XXXX
Product: Student loan

I have been making payments since XX/XX/XXXX, it seems they had no effect on my balance. further more the way Navient shows what my loans are, how many are how my payment is applied to them is unclear. when i had originally started payment i had over 60,000 in loans and i been making payment since XX/XX/XXXX but still it has not gone down one bit. it seems they are only applying my payments to my balance. Furthermore it took me to ask them about income driven payment plan before they offered it to me or gave other options. fr years they never mention it to me. all they did was give me forbearance. The way they keep my account and my loans is confusing, its unclear and very disorganized. i have no way to clearly understand how many loans i got. The statements they send in mail is inconsistent each month its a different balance or loan. Also i do not get my bills every month when i requested it be sent in mail on several occasions. They send sometimes only. They do not send my bill and statement every month like they are supposed to and charge me late fees. then apply my payments to the late fee and interest only so my balance has not gone down in 3 years of making payments. Like in XX/XX/XXXX i had a late payment but i never got a bill in the mail. I was on a forbearance and was not stated i had payments in XX/XX/XXXX. instead i got a letter saying my payment would resume on XX/XX/XXXX now i look at my account online and payments due on XX/XX/XXXX yet i have not received a statement or bill. This company is illegal in the manner they deal with borrowers.
Product: Checking or savings account

Chase Bank widely advertised a promotion offering {$1000.00} to any individual who moved at least {$75000.00} into its bank from an outside source and left it there for at least 3 months. Based on this representation by Chase, I opened a new Chase account and transferred {$76000.00} from an outside bank into this account on XX/XX/2020. Three months have now elapsed, and I have not received the {$1000.00} as promised. I messaged Chase through their website, and they said they can not find a coupon code associated with the account. This sounds like an internal error that should have nothing to do with the {$1000.00} they now owe me.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Method of Verification Under FCRA & State Law To Whom It May Concern, I am writing in reference to my previous dispute regarding fraudulent accounts that remain on my credit report despite my submission of an FTC Identity Theft Report and supporting documentation. Your response stated that these accounts were " verified, '' yet you have failed to provide proper verification as required by federal and state law.

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ( FCRA Section 611 ), you are required to provide a " description of the procedure used to determine the accuracy and completeness of the information. '' Your response has failed to satisfy this legal requirement. Therefore, I demand that you provide : The name and contact information of the party who verified the disputed account. 
A copy of the actual documents used to verify the accuracy of the disputed account. 
The specific method and procedures used during the verification process.

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ( FCRA Section 623 ), furnishers of information must ensure that the information they report is accurate. If the furnisher can not provide proper documentation proving the legitimacy of this account, it must be removed immediately.

Additionally, under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ), credit reporting agencies must maintain maximum possible accuracy in credit reports. If you can not demonstrate that this account was verified with proper documentation, you are in direct violation of federal law. 
XXXX. Account Name : XXXX Account Number : XXXX violates my rights under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ). PLEASE DELETE. 
XXXX. Account Name : XXXX Account Number : XXXX violates my rights under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ). PLEASE DELETE.

Please consider this my request for proper verification. If I do not receive a satisfactory response within 15 days, I will escalate this matter through legal channels.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, I've been disputing a medical bill with XXXX from XXXX. I went through all the proper channels of contacting both companies but am not being heard. I contacted XXXX  recently via mail, phone and online for assistance with a medcial bill reflecting on my report that I advised I didn't owe. I've always had active medical insurance since XXXX ( as a freshman in college ), and I've never neglected a bill nor created one without the use of my insurance. I have documentation that insurance was available to me at the time of this medical claim, and that insurance could cover this entire bill had it been my hospital charge. 

I filed a complaint with XXXX  on not giving up " the burden of proof '' showing where this debt is VALIDATED. All I received ( see attached ) was a bill with the name on it. No signature form or any other pertinent information showing that this is indeed my debt. 

I am looking for assistance with getting this debt deleted since all debt validation attempts were not executed by the Credit Bureau XXXX  or the collection agency XXXX. 

I have attached all dispute correspondence of the past to see that proper measures were taken without proper reciprocation. 

I ask that this account is deleted from ALL bureaus starting with XXXX  due to their negligence of proper due dilligence to properly protect me as a consumer. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent this exact letter ( below ) out on XX/XX/XXXX ' to the credit bureaus and XXXX has responded today that it was verified and accurate. I am confused how three bureaus have inconsistent information but it is still being reported as " accurate '' in a manner that hurts my credit. I have tried everything I can to get this resolved, please help. 






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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, and XXXX : I have pulled my credit report both on your website and XXXX & have found some inaccurate information that requires update and removal of this late payment. I have a new and life changing job opportunity coming up and I know they will pull my credit report, and this false information will hurt me between the XXXX credit bureaus for XX/XX/XXXX, and XX/XX/XXXX. I am not asking for you to go above and beyond for me but I do expect to be treated fairly. It is hard enough to have decent credit as an average XXXX. 


Account Name : XXXX XXXX XXXX, Account Number : XXXX ; This late payment is inconsistent throughout the XXXX credit reporting bureaus making it inaccurate, which is reported as : 30 days late in the month of XXXX to XXXX, 30 days late in the month of XXXX to Equifax, 30 days late in the month of XXXX to XXXX. 

These inconsistencies definitely raise concerns how it can be deemed accurate and verified but different information is being reported across the bureaus. You should be ashamed of yourself for ASSUMING this role and position to constantly cause harm to consumers! These accounts are listed with late or missed payments and that is inconsistent making them inaccurate. It is impossible to be both XXXX and 60 days late in the month of XXXX. The ABOVE listed ACCOUNTS should reflect XXXX LATE PAYMENTS and should be listed as PAYS AS AGREED. Please reverse this late payment for inaccuracy and update to PAYS ON TIME/NEVER LATE. 

It is to be noted that I have attempted to dispute this information before and I am a bit frustrated that it was not corrected at that time ( XX/XX/XXXX ). The bureaus claim they have verified and updated this account, but yet I am still noticing inconsistent information. If it's inconsistent, it's deemed inaccurate right? Everything mentioned above is newly discovered inconsistent information regarding this late payment. XXXX XXXX XXXX XXXX ( XXXX ) made it very clear that it is the XXXX XXXX XXXX XXXX XXXX prove this information to be 100 % correct, not the consumers. Unless I am provided a bank statement proving that I was late- this account must be updated to PAYS ON TIME/NEVER LATE. There should not be a 30 day late payment reflecting ANYWHERE on this account. 


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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Do to the epidemic I have been effected and unable to work since XX/XX/XXXX to now XX/XX/XXXX. @ at one point XXXX On XX/XX/XXXX I paid my XX/XX/XXXX payment on XX/XX/XXXX and included my {$30.00} late fee a total {$1000.00}, Since XX/XX/XXXX to now XXXX has been harassing me with phone calls all hours of the day and night as well refuses to recognize my XXXX 's, I tried talking withy them ask for a fortberence/releaf and stop calling me and harassing me as our conversations go no were Quote : they said my account must go basically 90 days in the rear before asking for such, Iam not even 30 days late referring to grace period to grace period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a customer at Wells Fargo bank from XXXX. My information and my account was used witout my permission or authorization. This ruined my credit score for credit card that I did not authorize as well as fees being put on me without my knowledge. I made my complaint to Wells Fargo and other issues with my information and identity theft because of my information and data including my social security number and other information. Mycredit score has been damaged and I still have not got my credit score fix and I am unable to get my credit back to a plus. I am askig for help in how I can get my score fixed. I made my complaint to all three bureaus.My identity is ruined from my information being compromise with banks and I was also scam and ask help from these two banks and XXXX dud nothing to help me as a customer gor my losses as well as my information being use to open credit cards without my permission or even knowing that this was going on. When I ask for help from banks I was treated unfairly and discriminated on.
Product: Mortgage

As per our mortgage agreement with PenFed, it is the fiduciary responsibility of our mortgage servicer to properly accrue and submit tax payments on our behalf. Penfed and their partner XXXX were deficient in this responsibility which resulted in an escrow account underage. 

We contacted PenFed in XXXX to alert them to an error we identified with our escrow withholding. This was not a timing issue, but an error. PenFed did not correct this error which resulted in an escrow account balance underage that we continue to be asked to cover. 

When we brought this error to PenFeds attention in XXXX, it was their responsibility to investigate and correct. In XXXX, Penfed insisted that their calculation was correct and our concerns were baseless. As the concern we raised ultimately was validated, it appears that PenFed and XXXX failed in their responsibility to properly investigate our account, or the investigation was inadequate. 

Our concern was proven valid after PenFed stated the withholding was accurate. This is evidence that PenFeds conclusion of the underage being caused by a timing issue resulted from an inadequately performed or not performed investigation. 

To state it clearly, this was an error by PenFed and/or XXXX. They failed to properly investigate the concern when it was brought to their attention in XXXX which only compounded the error. The issue could have been remediated in XXXX when it was initially brought to their attention, but instead is still impacting our payments in XXXX. 

In XXXX, XXXX we were again alerted to an escrow shortfall that we are being asked to cover.
Product: Debt collection

I have asked them to stop contacting me about the charges and that they were not mine and that I received a XXXX router that I never ordered and I never even used and that I have given the equipment back cause I never even asked for it