23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

on XX/XX/2021 The Small Business Association deposited Funds of {$5000.00} usd into my Bluebird ( American Express ) account. Bluebird ( American Express ) Closed the account on XXXX XXXX shortly after the funds were received. I contacted Bluebird ( American Express ), after several calls and emails I was told that my account has been closed. I contacted Bluebird ( American Express ) to request that funds be released from closed account to my new account or sent back to Small Business Association. Bluebird XXXX American Express ) stated that they would only release the funds if and when they receive a letter of indemnity from Small Business Association. I contacted the Small Business Association and they informed me that they do not write such letters. I have sent several emails to Bluebird Investigation team explaining that SBA does not write such letters and asking what else could be done to have these funds released from said closed account. I have only received automated emails from Bluebird XXXX American Express ). No one has responded. SBA does not write letters of indemnity. I have spoken with a paralegal with SBA that states they do not write such letters and they have never ever received such a request. Bluebird ( American Express ) states that the account is closed but I still receive an account balance email weekly. I would like to know how I can have these funds released from account without letter of indemnity due to the fact The Small Business Association does not and will not provide such letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to speak with an Equifax rep at XXXX XXXX  and the rep told me that my collections were removed from my report. I called back in astonishment to verify these results and the new rep told me that the first colleague reported inaccurate information. It was disheartening that the representative would give a consumer inaccurate information and get their hopes up. I asked to speak to a supervisor once on the call with the representative that I spoke to at XXXX XXXX. The representative never got a supervisor on the phone and hung up in the middle of the call. I tried to call back multiple times with no avail. As a consumer, I am upset that the bureau would provide false information after multiple attempts of getting these collections removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( XX/XX/2023 ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/2023 ). 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Product: Mortgage

Was going to use cross country mortgage to get a refinance done on my house they deducted money from the original loan I had picked in so my husband decides to go with XXXX XXXX XXXX XXXX sent a FHA transfer request I signed it they sent it to cross country mortgage to get the transfer completed cross country mortgage has yet to send this to XXXX XXXXe and it has been over two weeks going on three. They are saying that they are waiting for the XXXX dollars that XXXX XXXXe paid them for this transfer to clear their bank. I have tried to talk to them it's excuse after excuseXXXX XXXX XXXX has reach out also and we r not getting anywhere with them. They r holding up the closing of our loan and I need this resolved like asap. Even the higher ups of the company will not respond to us.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX  XXXX XXXX  XXXX - {$3100.00} XXXX XXXX - XXXX - {$0.00} Late Payment XXXX  XXXX - XXXX - {$11.00} XXXX XXXX XXXXXXXX - {$220.00} XXXX XXXX XXXX - {$2400.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX  - XXXX - {$0.00} XXXX XXXX  - XXXX - {$22000.00} XXXX XXXX  - XXXX - {$17000.00} XXXX XXXX  - XXXX - {$10000.00} XXXX  XXXX XXXX XXXX - {$230.00} XXXX  XXXX - XXXX - {$120.00} XXXX  XXXX - XXXX - {$1000.00} XXXX  XXXX - XXXX - {$1000.00} XXXX  XXXX - XXXX - {$63.00} XXXX XXXX - XXXX - {$160.00} XXXX XXXX - XXXX - {$960.00} XXXX  XXXX - XXXX - {$380.00} XXXX  XXXX - XXXX - {$4000.00} XXXX  XXXX - XXXX XXXX {$0.00} XXXX  XXXX - XXXX XXXX {$0.00} XXXX  - XXXX - {$6900.00} XXXX - XXXX - {$1000.00} XXXX XXXX XXXXXXXX - {$2700.00} XXXX XXXX XXXXXXXX - {$2000.00} XXXX XXXX  - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - {$0.00} Inquiry XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This account is incorrectly being reported as a charged off account with a balance due. Also I was apart of the lawsuit settlement XXXX XXXX XXXX XXXX. 

XXXX  XXXX BANKRUPTCY This XXXX  XXXX bankruptcy is reporting a status of discharged but my credit report is still showing a balance due on a Installment account that was opened prior to the bankruptcy on XX/XX/year>. 

XXXX XXXX  XXXX MY DATA WAS EXPOSED IN THE XXXX XXXX XXXX
Product: Mortgage

XX/XX/2020, Specialized Loan Servicing, " SLS '', conducted a review of my application submitted for a loan modification and was approved. 
To accept the offer, my initial trial payment of {$390.00} with a date of XX/XX/2020, must be received no later than XX/XX/2020. 
Payment was made on XX/XX/2020 and credited to the account on XX/XX/2020. 
The period in between XX/XX/2020, scheduled payment date and the offer experation date of XX/XX/2020, is their grace period to allow me to opt in. 
Permanent Modification start date was to be XX/XX/2020. 
Second trial payment of {$390.00} paid on XX/XX/2020 and credited to account on XX/XX/2020. Third and final payment was made {$390.00} and credited on XX/XX/2020. 
I submitted ( 2 ) signed copies of my modification agreement, and SLS had signed the modification agreement and my mortgage was to be permanently modified and my name put on the account. I provided all information and documents thru a few lawyers for 2 1/2 years. 
My mother has been dead for 8 years! I have not missed nor have I been late on payments since her death. I still reside in this old house. I am paying over {$1200.00} a year for homeowner 's incsurance that I can not use because my bank will not cash checks made out to THE ESTATE OF. There is NO estate. My mother died broke. 
I could have received a discount on my homeowner 's insurance with my security cameras but they said I don't have credit. I needed another internet service provider and had to pay a sizable deposit because they said I don't have credit. The bullet holes that are in my windows are still there because I can't get the check cashed to replace the broken windows. The plumbing problems are destroying my wood floors. I hope I don't fall thru, I'm already XXXX! I should have credit but SLS continues to give the credit to my dead mother. They don't get their money from my dead mother, they get it from me straight out of my bank account every month! All I have done is continue to pay for what my mother left. Why am I being punished????
Product: Debt collection

PAC CR EXHANG ACCOUNT XXXX BALANCE XXXX THIS ACCOUNT SHOULD NOT BE ON CREDIT REPORT I DONT OWE THEM ANYTHING.
Product: Mortgage

XX/XX/XXXX, ESCROW ANALYSIS showed over {$600.00} shortage. This was right after mortgage was sent to different branch of Homepoint financial was closed due to illegal activities. Requested what happened to escrow? Received no reply. Property did NOT raise, nor insurance. County property taxes same as year prior, yet Escrow analysis in XX/XX/XXXX, shows another over {$600.00} deficit. All payments made before due date with additional principle.XXXX XXXX, sent money payemt with additional principle and escrow deficit. Homepoint applied payment & the rest to principle. Contacted Homepoint, informed of error, requested the escrow deficit be placed onto the escrow, the monthly payment should not change. XX/XX/XXXX, monthly payment went up. The additional principle & escrow deficit was put into unapplied funds. XX/XX/XXXX, the unapplied funds was dumped into the escrow, the monthly payment stayed at the increased rate applied in XX/XX/XXXX. XX/XX/XXXX, contacted Homepoint, identified the 3 errors in processing : 1. Escrow deficit not applied correctly, 2. 2nd time- additional principle & escrow deficit withdrawn from principle and placed into unapplied funds. 3. Unapplied funds dumped into escrow, but monthly payment remained raised. Homepoint stated they could not move from escrow to principle due to over 30 days. My solution was to return the money, my money, that was NOT processed correctly. The money was not part of any payment due, since Homepoint is more interested in siphoning property owners escrow accounts. There is a problem, since the escrow is NOT the mortgage company 's money, however, my escrow seems to lose over {$600.00} in a year. At this time, I an awaiting Homepoint to make a decision as to whether or not they are going to return my money. This takes 24 hours, starting at noon on XXXX XX/XX/XXXX.
Product: Debt collection

I do not know who this company is and I don't have any unpaid services or products at all
Product: Credit reporting or other personal consumer reports

I have Disputed this account from XXXX And Equifax they removed the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT TYPE Collection Account DATE OPENED XX/XX/year> BALANCE {$780.00} ORIGINAL CREDITOR XXXX XXXX XXXXXXXX XXXX to turn around and put back on my credit report with the proper investigation without any additional information. Im very vivid!! They are selling my information which is a violation of rights I dont have a contact with any of these companies nor have given them permission or consent. They are making monetary fee off of me. For them just place this for me and my character, credit to be able get my fair credit worthiness. I believe I am being judged treated unfairly under the fair credit act. I have sent in my documents from ftc report my police report reporting it to cfpb
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX OF XXXX, XXXX CARD was never late! I have had exceptional payment history with XXXX, XXXX XXXX, XXXX OF XXXX, XXXX CARD and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, XXXX OF XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
* Account name : XXXX XXXX XXXX XXXX XXXX XXXX * Account number : XXXX, all have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 reporting, credit repair services, or other personal consumer reports

Equifax have violated my consumer rights. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) and 15 USC 1682g Equifax have reinserted negative items onto my credit report illegally. I demand that the negative accounts from XXXX XXXX that was previously removed be deleted and blocked. It is illegal to keep the negative accounts on my file without any written consent of reinsertion. I know my laws and I will make sure they are enforced. Attached is my XXXX report showing the accounts were not there but and XXXX report when they were first reinserted. XXXX XXXX. {$61000.00} XXXX XXXX. {$5400.00} XXXX XXXX. {$6800.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX with no successful resolution. Equifax and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I have noticed these unauthorized inquiries in my report. I have given the three credit bureaus a call XX/XX/XXXX regarding these inquiries. I was told that these inquiries can not be removed under any circumstances. Without showing proof of unverified/unauthorize information. Here is the list of inquiries that are listed on my credit report. 

XXXX XXXX XXXX  posted XX/XX/XXXX XXXX XXXX XXXX  XXXX posted on XX/XX/XXXX XXXX posted XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX posted on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX posted on XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

I received a notification today that a collection was added to my credit report in the amount of {$920.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports/ also I paid the reletting fee to move from the apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

transferred 4 times put on hold trying to file a dispute by XXXX XXXX XXXX finally just hung up
Product: Mortgage

I am constantly getting letters in the mail from Freedom Mortgage stating that we missed payments. I have not missed any payments. I have called the company multiple times and they can not find the missed payment. nor are they willing to try and find it. i have pulled up my bank statements and my bank statments state my payment has been on time for as far back as i have access too ( feburary of 2023 ). every time i call in i get paid up to only get another letter in the mail saying i am behind. and everytime i call i get the run around. supervisors will not speak with me. they hang up and i have to call back.
Product: Mortgage

On or about XX/XX/XXXX, I contacted LoanCare , LLC regarding cessation of my PMI payments because I had reached 80 % of my loan amount. 

I purchased my condo in XX/XX/XXXX with my first loan payment becoming due on XX/XX/XXXX and, as of XX/XX/XXXX, I had paid down more than 20 % of my loan. 

Instead of stopping the PMI payments, XXXX sent a form to me so that I may pay to have an appraisal done to the tune of {$400.00} to {$500.00}. My loan will be paid off by XX/XX/XXXX. If I just let them continue to steal {$13.00} a month from me in PMI payments, the amount LoanCare would steal from me is {$260.00}. 

It seems very unreasonable, not to mention really idiotic, to me to pay $ XXXX {$500.00} to stop LoanCare from taking {$260.00}. 

As of this date, my current loan balance is {$43000.00}, the original loan amount was {$75000.00} and the condo appraised ( in XX/XX/XXXX ) at {$84000.00}. I have serious doubts that the condo has depreciated much since XX/XX/XXXX. As a matter of fact, I'm pretty sure it has appreciated since then. We're talking months here! 

I contacted the XXXX XXXX XXXX but they said this complaint is out of their realm so I am reaching out to CFPB in hopes of having this ridiculous charge stopped.
Product: Credit reporting or other personal consumer reports

To whom it may concern I XXXX XXXX seem be having a problem with Equifax report inaccurate or wrong information on my credit report I have a collection account fair collections & outsourcing {$5000.00} thats been off my credit report for months and now on XX/XX/XXXX th 2024 it magically reappeared on my account this unfair debt practices and needs to be removed back off my account
Product: Debt collection

I XXXX XXXX  would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX  bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately.

2 ) That all correspondence be by direct mail to my home or by email to XXXXXXXXXXXX.XXXX.

3 ) That a reasonable offer in compromise or lump sum settlement be offered.

Thank you for your consideration in this matter.

XXXX   XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights XXXX XXXX 15 USC XXXX section 6 XXXX XXXX states I have the right to privacy. 15 USC XXXX section 6 XXXX XXXX A section XXXX It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCXXXX XXXXXXXXB a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Thank you XXXX XXXX XXXX