23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The information on my Equifax credit report from a company named XXXX thats not me and the information on the account is wrong because its not me its stopping me from obtaining the things I need in life. I also did a police report as well.
Product: Mortgage

We received a response from Select Portfolio Servicing ( SPS ), dated XXXX XXXX, XXXX. This was a response to our complaint filed with the CFPB for Case Number - XXXX. SPS attached an incomplete " payment history history '' that did does not reflect the entity to which our mortgage payments, and mortgage payoff were forwarded to on our behalf. SPS claims that our payments, and payoff, were forwarded to XXXX XXXX XXXX XXXX, for certificate holders to XXXX XXXX XXXX XXXX XXXX, as trustee, on behalf of the holders of the XXXX XXXX XXXX XXXX XXXX XXXX Certificates Holders. However, XXXX XXXX XXXX XXXX has no record of our mortgage payments, or of payoff of any loan, owed by us, in their records, and for any certificate holders. SPS attached an incomplete Payment History Record that reflects a corporate advance of {$35.00}, XXXX - due or paid on - the date of XXXX XXXX, XXXX, and reflects a payment effective date of " XXXX/XXXX/XXXX. '' In addition, the incomplete SPS Payment History Record reflects continued fees owed by us, after our payment in full by refinance for check RECEIVED on XXXX XXXX, XXXX ( see attached XXXX XXXX XXXX XXXX -- and cancelled check - but NOT reflected on SPS incomplete Payment History RECORD - as paid by us. ). The payment history submitted to the CFPB shows fees owed by us, after our payment, which was supposed to be recorded as paid in full by us - as demonstrated by attached cancelled check in attachments, but was NOT reflected by SPS as paid by us, These fees, after our check should have reflected payment in full by us - but was not reflected as paid by us by SPS -- included the following after XXXX XXXX, XXXX - date of our check for payment in full to SPS, and included fees up until XXXX XXXX, for -- ( Codes included ) -- " 745 - restricted repayment, '' " 601 - Disbursement to Servicer, " " 631- property preservation disbursements, " " 170 - Pre-distributed interest, escrow, payment, '' " 173 - Custom Payment manual or max, '' 766- Misc. Repayment, " and most important - " 633- Misc . XXXX Disbursement. '' In addition, code 181 is not reflected on transaction code listing. However, a servicer advance - in the amount of {$35000.00} is reflected as " servicer advanced '' on XXXX XXXX, XXXX -- just prior to our refinance ( loan paid in full, on XXXX XXXX, XXXX. '' Internal Revenue Service documents for XXXX Mortgage Interest Statement reflect no delinquency, or default, at any time, and can be provided to the CFPB upon request. In the meantime, given SPS 's newly recorded assignment, and discharge, on behalf of XXXX XXXX XXXX Bank recorded in our County Registrar 's Office in XXXX XXXX, it is apparent that any Statute of Limitations for diverted monies, is no longer an issue. We request an accounting in full, to us, to the CFPB, to the IRS, and to our County Registrar 's Office, and request that the CFPB forward this request to these appropriate authorities, as authorized under law.. 
Thank You.
Product: Credit reporting or other personal consumer reports

Hello. For the past three months, XXXX has reported that Equifax has dropped my score for no valid reason. I have added attachments to the report. The trend is continuing. For the month of XXXX, XXXX reported that Equifax dropped my score XXXX points for paying off one of my credit cards. I'm not sure if XXXX is purposely reporting damaging info or Equifax retaliating for filing reports against them for causing financial harm with no cause and can not explain why they are dropping consumers ' scores. I do believe it's not just me. My real question is why does the CFPB continue to turn a blind eye? How many complaints and reports must be filed before this agency gets off their XXXX and help consumers!?
Product: Mortgage

For Over 30 months, I was enrolled in MHA program thru Bank of America loan service provider, with no offers of principal reduction. After 30 months with no other option our family had to short sale, and {$110000.00} in equity, investment and appreciation in the home was gone. MY justification for full restitution is supported by-TO receive bail-out money from the Federal Government, after securitizing, packaging, promoting, betting against and most of all profiting from fraudulent bogus mortgage backed securities, Bank of America AGREED to a " Servicer Participation Agreement '' with Treasury requiring it to, XXXX XXXX, use " reasonable efforts '' to " effectuate ANY modification of a mortgage loan under the XXXX HAMP XXXX. " This consideration owed the Government by BoA was in exchange for acommitment by the Government to provide BoA potentially XXXX taxpayer dollars for its promise and obligation to comprehensively provide HAMP screening for all homeowners serviced by BoA, to extend HAMP Trial Period Plan offers to all such eligible homeowners, AND, extend pennanen, HAMP modification, to ALL eligible homeowners whose mortgages it services. 

Case l : XXXX XXXX XXXX Filed XXXX/XXXX/11 XXXX XXXX of XXXX PagelD # : XXXX
Product: Debt collection

I had a legal settlement of and issue on my account. And due to XXXX I will not say what that matter was. But we legally settled that amount in my face in XX/XX/XXXX. And didn't remove it until XX/XX/XXXX and charged me interest on this {$1900.00} charge for years. After I had them remove the {$1900.00} from my account they refused to remove the interest from my account from the {$1900.00}. The new management company took over and nobody couldn't pay on the portal for 2 or 3 months. They then place my account at some point in collections where I was denied access to the portal and either had to pay with credit card at a 3 % fee or pay in person at the office which is 40 miles from my home. Keep on mind I was current before the new management took over. The collection fee added was about {$300.00}, and admin fee were about {$230.00}. I spoke with a agent to resolve my issue over the summer. We came to an agreement because I told her I wasn't paying by credit card and I'll pay in person. I had jury duty so I couldn't pay in person. We did agree when I get a day off of jury duty I 'll drive up there and pay. Then she said I can contact my HOA board about my fees since they were not from me being behind on dues. But rather the settlement amount which were illegally placed in my account why it should had never been there in the first place. I went to the HOA attorney office to pay all my fees I didn't pay due to me being in collections as we tried to work though our situation. I paid {$1100.00} my back dues which we agreed upon and left the fees and some undisputed past dues on the account. The payment date was XX/XX/XXXX. At this point I'm attempting to contact the board. The HOA attorney office never applied my payment to my account which I have my dated receipt to prove. She left me a voicemail on XX/XX/XXXX saying why did I never show up to pay. I was still in jury duty so I didn't get the call or voicemail that day. The Next day the places a lien on my home and a foreclosure letter for {$530.00} and added an additional {$300.00} for a lien plus those undisputed dues. In Georgia under state law 44-3-232 the HOA can NOT foreclose on your home under {$2000.00}. All because they made 2 errors on my account. The total amount with the added {$300.00} is {$830.00} and I have a foreclosures lawsuit against me. We already know they're going to add legal fees. As of today I emailed them for my total amount and she said she doesn't know how much. Today is XX/XX/XXXX. Add my {$300.00} dues I didn't pay in XXXX XXXX and XXXX. My HOA board members won't assist they denied my legal rights of hearings as a community tenant for the {$1900.00}. That's why I took them to court for that amount. I asked for their email address on their XXXX page they denied my post which would been fine if they reached out to me. I retained the emails, voicemail, all my receipts. There is no help outside of court for these rogue HOA 's After they realize when I mail them the email of my XX/XX/XXXX receipt. Once they started litigation against my. They completely stopped with us trying to resolve this issue as a community. This is completely absurd
Product: Debt collection

I received medical service by a covered provider on XX/XX/XXXX. The provider sent my labs to an outside company by the name of XXXX XXXX XXXX. In late XXXX of XXXX, I received a collection notice for {$620.00} adjusted down to {$500.00}. The collection company is Keynote Consulting. They called me to collect on this debt before they ever mailed me anything. I told them I was not comfortable paying anything over the phone, and did not have any bills I was Aware of in collections. I never received a bill in this amount from XXXX XXXX XXXX ( XXXX ) Keynote Consulting provided me with verification of debt in the form of a bill that was dated XX/XX/XXXX, XXXX months after the date of service. The bill has a line item/note that made it seem as though maybe my insurance denied the claim in XXXX, however my insurance never received a claim from XXXX, which is now out of business ( as of XX/XX/XXXX ). I am trying to explain this to Keynote Consulting, and have attempted to reach out to XXXX via email ( only received 1 response from them, so I know they received my emails but they did not Provide me with the proof of filing to my insurance as I asked ). There is no longer a working number for XXXX, and Keynote Consulting has told me they are in contact with XXXX, but refused to help connect me to them to get this resolved. My insurance company states that if XXXX did not submit a claim, I can not be helped responsible for the bill they would have otherwise been covered. Keynote Consulting says there is nothing they can do, and will send me to collections if I do not pay.
Product: Consumer Loan

About 12 years ago we took out a loan with XXXX, they sold it to Springleaf. We went to XXXX to get a loan to pay them off as they were charging us over 23 % interest daily, and so we hopefully were going to have that loan paid off. We paid off the balance due, however, they sold the loan to OneMain who sent us another bill sating we owed further funds and that they charge 23.23 % interest daily. if that is the case then we would almost never be able to pay off this loan. I believe that this is wrong and that they should cease and desist their unfair practices.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a matter of utmost concern regarding the accuracy of information on my credit report. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I recently reviewed my credit report and discovered a serious discrepancy that demands immediate attention. It has come to my notice that the reported account, specifically the XXXX XXXX bankruptcy discharged, inaccurately lists the Bankruptcy court as the furnisher. This assertion is not only misleading but constitutes an act of forgery, as the courts, upon inquiry, have confirmed that they do not report such accounts.

Under the provisions of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), credit reporting agencies are obligated to report information with 100 % accuracy. However, in this case, the information provided is not only inaccurate but also involves the fraudulent use of the Bankruptcy court 's name. I have contacted the courts in my state, and they have categorically stated that they do not serve as a furnisher for credit reporting agencies. This discrepancy constitutes a serious violation and will be reported to the appropriate authorities.

To further clarify, a data furnisher is an entity responsible for reporting accurate information about consumers to consumer reporting agencies. Examples of furnishers include banks, credit unions, and other financial institutions. However, in this instance, the reported furnisher, the Bankruptcy court, is not a legitimate source for credit reporting purposes.

I have previously disputed this information under the provisions of 15 U.S. Code 1681s2, yet the furnisher failed to respond. Subsequent attempts to resolve this matter directly with the supposed furnisher have been fruitless, as they have asserted that they do not engage in reporting to credit agencies. This lack of communication with the source further emphasizes the inaccuracies in the reported information.

According to 15 U.S. Code 1681i ( 2 ) ( A ), a consumer reporting agency is required to provide prompt notice of a dispute to the furnisher of information. In this case, the furnisher should have been notified promptly, and the disputed account should have been appropriately notated on my credit report. However, it appears that this process was neglected, and the Bankruptcy court 's name was erroneously included on my report.

I am demanding the immediate removal of this inaccurate item from my credit report. Failure to rectify this situation promptly may result in legal action, as the inclusion of false information on my credit report constitutes a criminal act of forgery. I expect to receive confirmation of the removal of the disputed account and appreciate your cooperation in this matter. 

Account Name : XXXX XXXX  Bankruptcy Discharged Reference Number : XXXX Thank you for your prompt attention to this matter. I look forward to a swift resolution
Product: Credit card or prepaid card

I ordered a laptop from XXXX XXXX XX/XX/2020 in the amount of {$1900.00} but never received the package. XXXX reports the package was signed at released by the driver on XX/XX/2020, but my package was never delivered to my door. I never signed for any package. I don't understand why my package did not require a signature from me. Contacted XXXX XXXX who denied my refund or shipping a replacement, then I disputed the charge on my Chase Credit card. XX/XX/2020 I received a letter from chase stating my claim was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert that there was a change on my credit report. I went to investigate and saw a delinquent account named XXXX XXXX XXXX XXXX  XXXX that showed I owed XXXX dollars and that it was in collections. I had never received any notice or invoice or bill or anything about the account or what the charge was for or anything. I had never and still have never received anything about it. I opened disputes through both XXXX  and Experian with having no knowledge of the account. Both disputes came back showing verified as accurate with no other information. I reopened the Experian dispute to dispute the amount and account itself and that also came back as verified as accurate yet again with no info about what the charge is for or how it originated or why I never received any notifications about it at all before it was in collection. I am in the process of buying a home and this one new item dropped my scores by over 60 points and has no jeopardized my ability to buy my home. Upon calling the 800 number on the report and speaking to the company they couldn't do anything to rectify the situation except demand that I pay the amount and that they would then have it removed from my credit report within 3 months which is simply unacceptable. They didn't offer any chance to dispute the charge and told me they are simply collecting a debt. How is this even legal and why don't I have any rights or options?
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act US 15 Code 1681B permissible purpose of a consumer report A consumer reporting agency may report information only if the consumer gives written consent I have not authorized this company to report no consent is identity theft According to the FCRA Information giving to a creditor should identify the identity only of the consumer not the relationship with a creditor thats a violation of my privacy XXXX  has furnished information that is indeed inaccurate I have sent numerous of letters pointing out the inaccurate incomplete reporting I was recently denied by XXXX XXXX XXXX XXXX Due to inaccurate information listed on my reports I asked for reconsideration and was still denied, I have all letters sent to all bureaus I will furnish them upon request It has been over 30 days I have received no response from XXXX, Equifax, or XXXX
Product: Payday loan, title loan, or personal loan

A loan in the amount of {$1000.00} was received on XX/XX/2022, with biweekly payments of {$250.00} beginning on XX/XX/2022. I have paid a total of {$2200.00} ( XXXX payments ), which is over double the amount of the original loan. Due to financial hardship, I am no longer able to make the remainding payments. They removed the ACH withdrawal from the account. However, they said they will aggressively seek payment on the remaining balance of apx. {$3500.00}.
Product: Debt collection

I XXXX XXXX am a victim of identity theft. XXXX XXXXXXXX XXXX, XXXX XXXX, and XXXX. XXXX has fraudulent accounts on my profile that need to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I requested my free annual credit report from all three companies. I have some disputes about separate issues on two of the three accounts. When I tried to view my third account ( equifax ) the site refused to allow me entrance after verifying my identity. When I tried to re-enter all identity questions and was finished the site told me that I already viewed my account. I would like to view my account please?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account numbers 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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by SYNCB/AMAZON. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within XXXX 's 15-day grace period. Therefore, the account should not have been reported as 30 days late.

System processing error : I submitted my payment through the XXXX account portal. However, due to a system delay, the payment was not processed until after the due date, even though it was submitted on time. I was not notified of this delay until after the reporting of the late payment. 
Evidence provided : I have attached bank statements and payment confirmation emails showing that the payments were made on time, demonstrating that the late payments were caused by a processing error and not a failure to pay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, XXXX OH XXXX. Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX , XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
Product: Credit card

I paid for a hotel service which the merchant did not provide any service. I tried multiple times to exercise my legal rights to dispute the charge and Citibank has simply denied my legal right to open the dispute for the charge on XX/XX/XXXX XXXX
Product: Debt collection

keep calling several times a day sometimes they just hang up when my machine picks up or today left a message this is XXXX calling from trans world systems, about a debt
Product: Checking or savings account

It was XX/XX/2023, noticed my chase bank checking account got shut down with no heads up. I had about {$7000.00} ish dollars in the account and I need that money to pay my tuition. I did a good amount of phone calls within the past 4 month, and they keeps telling me waiting for the investigation department to release the money, likely next week. And they told me its next week every time I call. I went to the bank and manager helped me made a couple phone calls. Which then the lady tells me after XXXX break they will sent out the money. But till today I have not received anything.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX credit card is lost/stolen. I want XXXX to immediately close the XXXX account. I want XXXX and Equifax to delete and remove the lost/stolen XXXX XXXX account from my XXXX and Equifax credit report. I want Equifax and XXXX to report this information to XXXX XXXX and XXXX XXXX as well. My XXXX XXXX Account XXXX is : XXXX.