23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We placed a contract on a new construction spec home owned by XXXX. At the time, our current home was under contract ( cash deal ) and we had to close in 3 weeks. The realtor at XXXX did not make the sales contract contingent on the sale of our home, but instead made it contingent on our ability to obtain financing within 30 days. He also suggested that we put down a hefty binder deposit of XXXX to secure this new home. We did. 
Two days after signing the contract for the purchase of our new home with XXXX, our buyers backed out of the deal to purchase our existing home. This left us with XXXX choices if we still wanted to move to the XXXX XXXX. 1. Put our house back on the market ASAP or 2. Rent out our current home. After doing much analysis on market conditions, etc.. we decided that we did not want to do either, and we would just remain in our current home and get denied on the new construction XXXX XXXX based on the fact that we ca n't qualify for both payments. 
My husband and I have been in salaried jobs for 20 years and we are still in those jobs. However, in the past 3 years, we opened a business which has sustained significant losses. When submitting the documentation for our loan, we provided tax returns showing these losses over the past two years. 
Our initial ( verbal ) loan approval was based on the requirement that we would either need to rent or sell our current home. We told that that we wanted to do neither and we submitted our official Notice of Cancellation and asked that they return our {$10000.00} earnest money check. The very next day, we get a call from UAMC ( XXXX 's mortgage company ) saying that they are overlooking the losses on our tax returns and that we are approved carrying XXXX mortgages. 
Based on this unconditional loan approval, we have XXXX options : 1. We close on the new home or 2. We lose our earnest money deposit or 3. XXXX holds the earnest money for 12 months and we buy another XXXX XXXX. 
Our issue with this is that we KNOW we ca n't afford our current mortgage plus the new mortgage based on our current ( and sustained ) business losses. They are forcing us into a financial situation that we ca n't afford and that significantly worsens our financial position. Our Debt to Income ratio without counting our business loss is roughly 37 %. Our Debt to Income ratio while counting out business loss is roughly XXXX %. I know that the XXXX standard for DTI max is XXXX %. We greatly exceed that DTI when our tax returns are factored in. We do n't understand how a lender can 'overlook ' a two year average of almost {$65000.00} in business losses, and therefore force us to purchase a home that they KNOW we ca n't afford.
Product: Checking or savings account

Chase Bank reported to all credit bureaus that my address was ( is ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX I am not affiliated with this address and am an identity theft victim Further research revealed that this is a business park in Arizona. XXXX advised me to call Chase to find out the name of the business. Chase would not tell me. I eventually pressed to the point the line went silent. 

XXXX  Reports : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My XXXX XXXX credit card and credit card account : XXXX issued by XXXXXXXX XXXX thats currently listed on my Experian and XXXX credit report is lost/stolen. My XXXX XXXX credit card and credit card account is lost/stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

United auto credit is on my credit reports all information reported must be accurate this is identity theft I never owned signed a contracts or possessed the vehicle this violates contract law universal law fcra and fdcpa and the ucc I will go to the fullest extent of all law and order to correct this matter of not corrected in 15 calendar days of this notice this serves as a quasi contract from silence in every attempt that's been made to correct this in civil regard
Product: Debt collection

After pulling credit I instantly disputed the account which didnt belong to me I gave my information and instantly provided my letter to all 3 bureaus
Product: Mortgage

Bank of America Account # XXXX ( sold to Bank of America by Country Wide Home Loans ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Puerto Rico XXXX- Phone-XXXX Complain is about the unacceptance of my mortgage payments since XX/XX/XXXX,  verbally notified my brother in Georgia that mediation was denied. Imposing an insurance fee of {$1100.00} and increasing my monthly payment to {$2600.00} instead of previous mediation fee of {$1500.00}. On XX/XX/XXXX, I was suspended from my Job and requested a mediation which was approved on XX/XX/XXXX approximately with a mortgage payments of {$1500.00}, during those years, mortgage was paid in accordance with was established. On XX/XX/XXXX I suffered and Accident with a consequence of XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX and other conditions, immediately I moved forward and notified the Bank assigning my Brother thru a Power of Attorney that my financial situation and income will be affected awaiting for Retirement and Social Security Benefits, I never refuse to pay my mortgage, my brother was seeking for information and requested another modification due to my new income. I paid the Bank {$36000.00} dollars to update the mortgage and the Bank requested a payment of {$1500.00} which I paid till XX/XX/XXXX.On XX/XX/XXXX. my brother went to the Bank personally and the employees refuse to accept my payment of {$1500.00} because the amount changed to {$2600.00} on a monthly basis. We requested the reasons of the new mortgage ( increase ) rate and receive negative responses verbally and never in writing explaining the reasons. On XX/XX/XXXXmy brother was notified via telephone that the mortgage new payment it was because the Bank selected a property insurance vendor without my consent or authorization, but again nothing in writhing was informed. I have a personal insurance and awaiting my Personal Insurance Property Agent. My property suffered damage due to the Hurricane Maria, I sent the bank all information which included  pictures, I needed to arrange the doors, electricity, floors and other damage. My safety and property safety was important. Today I received a letter from the Bank requesting me to pay {$25000.00} and I dont know why? all these amounts including pay off amount of {$260000.00} in a property less actual Value of {$14000.00}. Bank of America is forcing foreclosure and creating me emotional distress. Bank of America is not compling with ADA Law and Territorial Laws. 
Please HELP!
Product: Vehicle loan or lease

My vechile was totaled out by the at fault driver 's insurance company. My loan company was aware that the vechile was totaled out. My loan company has not or did not contact me at all since XX/XX/XXXX. I was in dispute with the insurance company so the insurance company contacted my loan company and lied stating that they the insurance company could not get in contact with me. I have attached screenshot showing communication after the date of when the loan company states they sent 10 day letter to the wrong address. So my loan company took the insurance companys side and put the unit out for reposession without any foundation. When I found the car repossessed I called the loan company and was not able to speak to the total loss department about the issue and also found out that the address that they sent the 10 day letter was the incorrect address. I have updated my address 3 months after I got the loan. My issue is that the loan company has never called me to inform me that the insurance company had contacted them and I know they have the correct number because I've had to open previous cases against this company due to numerous calls in one day several days in a row they have made. I was also informed that this is going to show as a reposession on my credit and it should not as it was a total loss and the company was aware of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on le for me doesn't match what's listed then there are problems with either your records or those who provide them for verication purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on XXXX that does not match what I listed above. Furthermore, I want you to conrm the data you have on le. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my prole must be accurate and thorough. You must nish your information verication within a reasonable time frame and be able to evaluate and conrm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, veriable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be xed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/1988 SS # : XXXX Dear Sir/Madam, I am writing to formally lodge a complaint against the following creditors for multiple violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Billing Act ( FCBA ). The attached documentation provides comprehensive evidence of the violations detailed below : FCRA Violations : Incorrect Date of Birth Incorrect Previous Addresses ( Multiple Instances ) FDCPA Violations : XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Violations : XXXX. XXXX Account Number : XXXX The violations outlined above have caused significant distress and hardship in my life. These inaccuracies have not only marred my credit report but have also impacted my ability to secure reasonable credit terms, obtain housing, and achieve my financial goals. I am deeply troubled by the fact that the incorrect information has been used to assess my creditworthiness, ultimately affecting various aspects of my life, including my emotional well-being. 

Allow me to share a personal story that exemplifies the extent of the damage caused by these inaccuracies. As I was in the process of purchasing a home for my family, I encountered insurmountable hurdles due to these false accounts and improper reporting. The dream of providing stability and comfort for my loved ones was shattered, and the emotional toll of facing this ordeal has been overwhelming. The stress and XXXX  caused by these inaccuracies have strained relationships and created a constant sense of uncertainty in my life. 

I implore the Consumer Financial Protection Bureau to intervene and enforce the legal protections put in place by the FCRA, FDCPA, and FCBA. I request that the relevant creditors promptly investigate and rectify the violations they have committed. Specifically, I urge them to remove the unverified accounts from my credit report, thereby ensuring an accurate representation of my credit history. 

I appreciate your attention to this matter and your commitment to safeguarding the rights and well-being of consumers. I trust that your intervention will bring resolution to this distressing situation and enable me to rebuild my financial stability. 

Thank you for your consideration. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 WF CRD SVC put lay payments on my account. This was an auto bill pay issue and the bank recognized this on their end because they closed the account then reopened it when disputed the issue with a sales rep over the phone. They sent me a letter saying they reopened the account but never removed the late payments that were associated with the same issue. It just popped p on the other bureaus and has greatly lowered my score.
Product: Credit reporting 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$0.00}
Product: Mortgage

On XX/XX/2020 we received a notice in the mail stating we are behind on our mortgage and at risk of default actions. The letter gave suggestions we contact them regarding work out options including modification or short sale. Problem with this is they pull money out of my bank account automatically every 2 weeks for the mortgage payment, we are always paid a month ahead and they pull {$20.00} more a month then what our actual mortgage payment is. I called and was on the phone with the mortgage company for over an hour and they told me they applied my payment to the principal not the mortgage payment causing us to be 2 months behind on our mortgage and facing default and eventually possible foreclosure action. I never authroized this, I never discussed with them doing this and I never asked them to do this. My arrangement with them was to withdraw {$500.00} every 2 weeks from my account for my mortgage payment. There are even months that there are 3 pay periods not 2 so I pay an additional {$520.00} in those months not just {$20.00}. They informed me they are not sure why or how this happened and they would need to look into it but refused to give me contact information for anyone and told me they did not know how long it would take could be at least 5-10 business days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, bM For the following accounts : I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. This is the letter i sent to the credit agencies for the following accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report on XX/XX/XXXX and saw many fraudulent inquires on my report. I did try to call and dispute these but was advised by the Transunion XXXX that I needed to file a FTC report and then write the company back with my dispute. The Inquiries that have been reported only report are not mine. Below is the list and dates 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 Again these inquires were not made by me and are fraud and need to be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physicalVerification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the bureaus but they did not remove them, not prove validation. 
XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary : XXXX XXXX incorrectly places at 120+ day late payment on my credit report. I completed the dispute process and received a letter, from XXXX, dated XX/XX/2018 stating that they ( XXXX ) were requesting the delinquency be deleted from my credit report and they were notifying the three credit agencies ( XXXX, XXXX and Experian ) they had 30 days from XX/XX/2018 to update their files. The three agencies deleted the error on XX/XX/2018, but the negative XXXX payment reappeared on my credit report as of XX/XX/2018. 

Impact : This error was discovered, much to my surprise, in XXXX of 2018 while trying to apply for a home loan. At that time my interest rate was quoted to be XXXX XXXX with a score of 715+, which I would have had without the negative item from XXXX XXXX 

Now, six months later with increased interest rates, I'm looking at XXXX XXXX. This error on the part of XXXX and now with the three credit agencies will cost me more than {$100000.00} over the course of a 30 year mortgage. 

Any help to have this error be permanently removed and done so as quickly as possible is greatly appreciated.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX, I disputed the entry from XXXX XXXX XXXX on my credit report. Experian conducted investigations for 2 to 4 days and responded by confirming that the medical debt had been verified. I have stated that the collection agency is fraudulently reporting an unethical medical debt to my credit report. Due to the character limit in the dispute section, I was able to explain that I am a recipient of the Illinois XXXX XXXX and that this debt originates from an emergency room visit. My health plan, XXXX, paid the collection in question on XX/XX/XXXX. 

Furthermore, this debt is a surprise bill, and under Illinois law, I am protected from being charged any balance. I filed a formal complaint against XXXX XXXX XXXX on XX/XX/XXXX ( Complaint # XXXX ). However, XXXX XXXX XXXX has not responded to the complaint nor provided any legal justification for reporting this debt to my credit profile. 

Despite these facts, Experian has failed to comply with applicable laws, including the No Surprise Act, which protects me from balance billing. I have not received any documentation from Experian regarding the steps they have taken to investigate this matter, nor have they provided a legal justification for their continued reporting of this disputed collection. Therefore, I request that Experian fully investigate the validity of this collection entry, in compliance with the law, and remove the inaccurate and fraudulent report from my credit profile.
Product: Checking or savings account

I was notified on XX/XX/12 that a Chime debit card was being sent to me. I never opened a Chime account, nor did I request a card. When I tried to resolve the issue with the organization, I was asked repeatedly for personal information that I had already provided to their system in order to access their virtual chat. They claimed they couldn't look at the information I had already entered. As they already opened a fraudulent account in my name, I was unwilling to give them further personal information. When they claimed they were escalating my complaint, I was left without a response for far longer than their initial quoted time, and then was given error messages. Because of their previous fraudulent actions, I am very cautious about giving them any other personal information.
Product: Debt collection

I work for the XXXX. This collection agency is constantly calling my office phone as well as my work cellphone trying to contact a person that I have never heard from. I have explained this to them several times both in person and by leaving messages. The last time I spoke with someone there I again explained that there is nobody here by that name and to please remove both of the numbers from their call list and that these are XXXX business numbers. While explaining this to the agent she was giving me attitude and humming " mm-hmm '' and when I asked if she did n't believe me and told her I was going to file a complaint she hung up on me. The phone calls continue and every night when I come in to my office there are messages from this agency, sometimes 3 to 4 in one day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Bankruptcy showing on my credit report belongs to someone with similar name. XXXX has found it to be an error and deleted it. Experian and XXXX have refused to do so. I have attached my XXXX report showing there are no Public Records bankruptcies attached to my credit file. The address that was reported on the bankruptcy is not mine nor have I ever lived there. Please review the attachment and delete the error immediately. It has not been verified by anyone because it does not belong to me. The Northern  District Bankruptcy Court of Georgia have verified none exist for me nor have they given that information to Experian or XXXX due to their policy.
Product: Checking or savings account

Simple bank is transitioning all customer accounts to BBVA bank but made a massive XXXX up and now customers are locked out of their online accounts and UNABLE to access them or see their money. I try calling customer service and was on hold for an hour before being hung up on. This is ridiculous and we need access to our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to demand your immediate attention to the erroneous information on my credit file, which is causing significant damage to my creditworthiness. It is unacceptable that despite my previous attempts to rectify the matter with both the credit bureaus and the creditors, the inaccurate information continues to be reported on my credit file. I have identified the specific accounts that require correction, and I demand that you conduct a thorough investigation and take all necessary actions to correct these accounts as soon as possible. It is your responsibility as a credit reporting agency to ensure that accurate and up-to-date information is reported on my credit file, and I will not tolerate any further delays or negligence on your part. I am reffering to the following accounts that have been reporting erroneoud information on my Credit File : XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX