23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I were going through XXXX XXXX to have a home built. The process with them has been great, the problem weve had is with their preferred lender HomeBridge. The sale of our existing home and moving was based around an expected closing date of the XXXX of XXXX. The next day, Friday the XXXX of XXXX we were told by the loan officer and his staff that the closing was Monday now the XXXX of XXXX, and we would need an additional {$7000.00} at closing. The additional funds at closing was due to a clerical error on the loan officers part, admitting that they failed to give the appraiser paperwork for an upgrade on the house. This caused the appraiser to fall short on his appraisal.
Product: Credit card

I have attached documents for your review. I request the bureau to start an investigation into these accounts, as they inaccurately report me as late despite my timely payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following account listed on my credit report, which I believe contains inaccuracies. I have reviewed my credit report, and I am requesting that you investigate and update my file accordingly. 
Derogatory Account Information : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} I believe this account information is inaccurate or does not belong to me, and I am requesting that you investigate and correct any errors. Please thoroughly review all information related to this account, as I dispute its accuracy. If it can not be verified, I request that you remove it from my credit report. 

I am writing to formally dispute an inaccurate and derogatory entry on my credit report related to the account listed below : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} Upon reviewing my credit report, I found that the account above is being reported incorrectly. I believe that this entry is inaccurate and is adversely affecting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into this matter. According to the FCRA, specifically Section 1681i, you are required to complete this investigation within 30 days and provide me with the results in writing.

I am writing to dispute two derogatory items on my credit report that I believe are either inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these accounts and provide a resolution, as I believe these items do not properly reflect my credit history. The accounts in question are as follows : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}
Product: Mortgage

I have been getting a run around from first merit about getting assistance with down payment assistance .... They are not utilizing all the grants that are available for first time home buyers.. They promised down payment assistance and told me to apply for it myself. .. This is the worst experience I have imagined ... They then told me it was n't in the job description, told me days before closing that I need to have {$5000.00} at closing. ... No one want to help with down payment resources. .. 
My name is XXXX XXXXFirst meritLenders supervisor : XXXX XXXXLender : XXXX XXXXWe called for the district manager and left messages as well
Product: Credit reporting or other personal consumer reports

According from credit fair Act This credit has Violation my rights 15U.S. Code 1681 Section602 stated I have the right to privacy. 15u.s code section ( 2 ) 604 A This consumer agency can not furnish my account without written instructions. 15 U.S section 166B A creditor may not treat under open and consumer credit plan as late for any purposes
Product: Debt collection

I was contacted about a debt by Alliant Capital management and was told that if I didnt give them a card number to keep on file then the company who owned the debt, XXXX XXXX XXXX, could take action to the furthest extent of the law such as garnishing wages. This is intimidation and threatening.
Product: Debt collection

URGENT HELP- This is regarding a Debt the only Debt that is only Credit Report on all credit Bureaus, I have been trying to resolve this matter for the past XXXX to no avail. At this point I am trying to close on a home and this debt on my credit report is stopping everything in its track. I have contacted the XXXX XXXX, which was XXXX XXXX XXXX XXXX  {$480.00}, which they never sent me any documentation stating this account was mine or that it had been sold. I then get which is now what is appearing on my credit reports XXXX XXXX XXXX XXXX XXXX, which I have contact them on countless times, non the less I have not received any written documentation only what appears on my credit report. Then I get a email from a company that is called XXXX, which states that they now have the account and that they will settle the account, however when i contact them, the advice that they do not have the account that XXXX has the account and then XXXX says they have the account so it's been the run around, no one can give me any documentation or no one can tell me if this is my account of at this point how do i pay it off. They can not even tell me whom i can pay it too because everyone is denying they have the account this is stopping me from getting pre-approved for a home, these are the numbers the contact numbers and the account numbers XXXX reference number to XXXX ORIGINAL CREDITOR LAST XXXX DIGITS XXXX, I have never received any reference number or any XXXX I am not sure what number this belongs to. Documentation from XXXX or any account number or reference number it is just on my credit reports, XXXX XXXX, XXXX, XXXX. At this point I wish to have this REMOVED off all XXXX credit bureaus as soon as possible of if someone can please help me resolve this matter.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX TX, XXXX Social Security : XXXX TransUnion, XXXX XXXX XXXX ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, 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 ( AN ( 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. 
Remove Non mailing fraudulent addresses listed below : - XXXX XXXX XXXX XXXX, TX XXXX - XXXX XXXX XXXX XXXX, TX XXXX Remove Unauthorized Fraudulent Accounts Listed Below : ( FCRA Law ) 1 ) XXXX XXXX XXXXXXXX ( XXXX XXXX ) XXXX, Opened XX/XX/XXXX, Collection account XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX, Secured Loan XXXX ) XXXX XXXX XXXXXXXX XXXX , Opened XX/XX/XXXX, Secured Loan XXXX ) ( No name found ) XXXX, Opened XX/XX/XXXX, Collections account XXXX ) ( No name found ) XXXX, Opened XX/XX/XXXX, Collections account XXXX ) ( No name found ) XXXX, Opened XX/XX/XXXX. XXXX, Collections Remove Unauthorized Fraudulent Inquiries Listed Below : ( FCRA Law ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Checking or savings account

When contacting US Bank regarding several issues I've been having with their XXXX app features the representative I was transferred to from technical support was extremely rude telling me that they've been having these issues for a while they had no estimated time of when the issue would be resolved because it was a low priority for US Bank and he had nothing else to tell me when I called back to file complaint against that representative I was given the runaround today I received the call from a very rude representative from their corporate offices in which he wanted to argue and interrogate and harass me on the phone about issues that I'm having with my account due to their negligence and by their own inventions of their representative and issue they knew about but that wasn't a concern for the bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX credit card is reflecting negative on my credit report. They have sent me several of letters stating that they would not put it on my trans Union credit report. I have disputed several Times in they continue to not remove my credit report. I have sent the letter in more than once. It is only reflecting a late payment. I have requested several times for to be off my credit report to one will not provide me detail information regarding this account. They just recently added it on my XXXX credit report. The credit report does not have any detail information regarding this account. I am requesting XXXX  remove this from my credit report. I also would like to have XXXX XXXX, transunion, and XXXX validate the account or remove it from my credit report. Both account entails something different on both account. Please provide the FTC the letter that states that XXXX XXXX has agreed to remove from my credit report. The late payment reflects that it will be removed from my report this year.
Product: Credit reporting or other personal consumer reports

XXXX has an account that has been paid off in full for over 5 years now showing i was 30 days past due on 2 months in XXXX. I have provided them documentation that those 2 months were deferred before they went past due and especially not 30 days. I have requested them to remove the 2 30 days past due as they have been hurting my score and opportunities for new credit/loans. This needs to be fixed ASAP please.
Product: Student loan

I have a loan that was formerly serviced by XXXX XXXX, and is now being serviced by Navient. XXXX XXXX allowed me to access my loan details, which included principal balance, accrued interest, interest rate and type, and monthly payment amount. This monthly payment amount was periodically reduced to reflect my excess loan payments ( I assume ), so that information helped me to adjust my payments when I wanted. Navient, however, has changed their website and decided that my monthly payment due is n't information that 's important for me to have. Additionally, I used to be able to view statements online. Navient has decided that monthly statements are superfluous, and are also not needed by borrowers. So I 'm basically paying for a loan and tracking the balance myself, while Navient withholds information and will probably show a balance that 's higher than what I have in my records. Did I mention that the only information that is currently available about my loan is the principal balance, interest accrued, and past payments? I do n't know why private student loans are even still legal in this country, but this is XXXX ridiculous. If you guys at the CFPB have any power, the least you could do is stop allowing these predators to withhold information from us and prohibit interest rate increases on loans. I 've made consistent and SUBSTANTIAL payments on all of my loans for the past 5 years, and I should n't have to deal with this XXXX.
Product: Bank account or service

Local branch manager has not responded to my request on XXXX XXXX to remove all auto drafts from my Wells Fargo accounts to other linked Wells Fargo accounts. The auto drafts continue to automatically attempt to transfer and create overdrawn accounts and excess insufficient funds and fees.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  has 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 : I also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2000.00}.
Product: Debt collection

We have been in our home for XXXX years. This is in response to your zombie mortgages guidance - and shows why they may have waited and claimed to have unknown parties assign interest to more unknown parties. In XXXX my spouse got a loan through the lending Tree website- he had XXXX lenders to choose from- the underwriting conditions, and what he expected, was the lender was to pay off first mortgage : XXXX balance of {$210000.00}. Origination documents states that the payoff must appear on the HUD-1 settlement statement in order to fund the loan. 

The parties did not pay off the first mortgage- and we could not afford both payments as my spouse was self employed and I was unemployed- so we canceled the loan per the instructions in the origination. We never heard back from Lending Tree about the cancelation. Then XXXX  XXXX months later, on XX/XX/XXXX filed a deed of trust with a XXXX XXXX Loan Number. We did not make any payments on the loan nor did the parties demand payback of the funds. We assumed the loan was cancelled. 

On XXXX XXXX XXXX at the Request of XXXX XXXX XXXX XXXX claims to sell their beneficial rights to XXXX XXXX XXXX XXXX of XXXX Fl as beneficiary and nominee to Lendingtree Loans of XXXX, IL. 

Now an unknown party to the transaction - adds more unknown servicing entities with fictitious addresses to the mix - files an assignment CLAIMING XXXX XXXX XXXX XXXX XXXX XXXX TRANSFERRED TO XXXX XXXX XXXX XXXX XXXX SC ALL ASSIGNORS RIGHTS TITLE AND INTEREST ( which would be none - as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX owned title interest - debt collectors for????? ) - signed - XXXX XXXX XXXX, AS SUCCESSOR BY MERGER TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS ITS ATTORNEY IN FACT ( WHOSE ATTORNEY IN FACT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with no power to act as trustee - ( note XXXX was named servcier after cancelation in XXXX - and XXXX XXXX, XXXX who had no interest in Lending Tree 's loan requested an assignment via XXXX  in XXXX - XXXX years after our cancelation and not XXXX payment made.
Product: Credit reporting or other personal consumer reports

I'm experiencing XXXX, dissatisfaction, and XXXX  concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Product: Mortgage

I have a loan with ditech that has been pulling my taxes for XXXX municipalities. They have me in XXXX and XXXX county. This has been an ongoing thing for 3 years now. They keep paying XXXX even though I 'm not in XXXX. An easy look at the assessor records would show that I 'm XXXX county. I 've been calling and opening records and they still have n't fixed the problem. I 'm beyond mad about this. I 'm over paying XXXX a month if not more and they do n't seem concerned. I have to step away from work to call and I was told a bunch of times it would be taken care of. I have to admit I just sent them a snotty email about it but I 'm at the end of my rope. Please tell me how to handle this. 
Thanks
Product: Credit reporting or other personal consumer reports

Dear CFPB, Ive disputed this item with the credit reporting agency, and theyve claimed you confirmed the account as valid. Let me be clear : I have no recollection of any relationship with this collection agency or the original creditor. The account has numerous inaccuracies, blatantly violating FCRA and FDCPA laws. 

To sort this out, Im demanding concrete proof of this debt. Specifically, you must provide the alleged contract or any document with my signature, along with proof of your authority to handle this matter. If you cant provide this proof, you must fix any erroneous reports linking this debt to me immediately. 
I require the following information without delay : Proof of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Your legal authority for collecting this information. 
Your legal authority for collecting this alleged debt. 
Proof of your authorization to do business or operate in this state. 
Proof of the alleged debt, including any document with my signature. 
A full account history, including all charges added for collection activity. 
Respond immediately. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I can not sign on to Experian 's website. I probably have an old account I no longer have records for. I don't know which of two email addresses I used as a userid. I don't know the password either. Using their online recovery method, they say the phone number I have is not what they have on record. This is required information for the online recovery. The previous phone number ( which is disconnected anyway ) gets the same error. This dead end occurs with both email addresses. 

When trying to get telephone help, you can try lots of paths through the automated system, but you always wind up at the useless recovery method described above. There is no option to speak to a real person. If you say " representative '' or push " 0 '', it tells you it can not connect you to a specialist. I am trying to place a freeze on my credit report. So far the only thing Experian offers is doing it by paper mail. 

I tried creating a new account from scratch, but when I selected a userid and password, it told me the usedid could not contain the password, which was nonsense. They were not similar in any way, plus the usedids I tried were from 6 to 10 characters long and the password was always 17 characters and met all the complexity rules. 

Some other credit reporting agencies allow this without having an account with userid and password. I'm not accusing Experian of anything unethical, but it occurs to me that by preventing the freeze from occurring, they will continue to receive a fee for requests for my credit report. I'm aware of four other credit reporting agencies and this task was quick and easy to complete with all of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 chase crashed my personal recurring check. On XX/XX/19 they bounced the check. I called and went I to rectify.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/XXXX, XXXX XX/XX/XXXX, and this is not showing on the XXXX report. The Date Reported is inaccurate ; XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Also, the Date of Last Payment shows inaccurately with the bureaus ; XXXX XX/XX/XXXX while the other bureaus are not reporting this. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days and still no response from Equifax, XXXX, or XXXX. 
I've seen the letters on the XX/XX/2023. for the following accounts : 1. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Validate Account XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
6. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, and XXXX are inaccurately reporting account number : XXXX ( ( XXXX ) on my consumer report. The date of last active is inconsistent- Experian has XX/XX/XXXX and XXXX has XX/XX/XXXX. Remove this account for inaccurate reporting.