23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried on several occasions to dispute the below on my experian file. I keep getting a message that reads my request cant be processed online. 

Pls remove the below as they have no association with me and should not be on my credit report. This is considered fraud if any of the below are associated with my file. Pls remove immediately. 
Name : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

Complaint against PHH Mortgage Services. I received an escrow shortage letter. I have {$1800.00} in my escrow. They say required min. Balance is {$1200.00}. Anticipated balance {$1000.00}. Shortage {$130.00}. They also state-Mortgage co. says I paid {$500.00} in homeowners hazard insurance. But I actually paid {$930.00} last year in hazard insurance. My insurance went up and is now {$1100.00}. I know that. About {$14.00} a month. They also say their is a {$40.00} fee for OTHER TAXES. What does that mean? They have increased my monthly payment by {$54.00}. Why? What is the item listed as OTHER TAXES? Please help. If my hazard insurance went up only {$14.00} a month why is my escrow account short? Is {$40.00} OTHER TAX increase a mistake over what I paid in my hazard insurance? They saying I paid {$500.00} and I actually paid {$930.00}? Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Previous learning that EQUIFAX SELF ADMITTING TO SENDING OUT FAKE REPORTS IS FIRST OFF MIND BLOWING. FURTHER INVESTIGATION INTO MY CONSUMER REPORT IVE NOTICED I HAVE BEEN AFFECTED TREMENDOUSLY BY THESE COMMENTS in pursuant of 15 U.S. Code 1681 - Congressional findings and statement of purpose Under 1691. ( 3 ) equifax assumed a role without my consent 1681. ( 4 ) reads There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. EQUIFAX HAS NOT EXERCISED THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, NOR WITH RESPECT TO MY PRIVACY. 
( FACT ) NEVER GAVE PERMISSIBLE PURPOSSES UNDER 15 U.S CODE 1681B ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

ALSO XXXX XXXX XXXX XXXX XXXX IS REPORTING TO MY ACCOUNT TWO DIFFERENT WAYS ONE IS POSTIVE FOR ALL PAYMENTS MADE WHERE THE OTHER READS LATE ON ALL THE PAYMENTS CAN YOU REMOVE PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the 30 day delinquent reporting when I learned of it by applying for a loan on XX/XX/18. 
I submitted a written letter to XXXX XXXX XXXX and requested to investigate my complaint and to remove the 30 day delinquency notice because the payment was made to their company on time. 
I am writing to request assistance in having a 30 day delinquent entry removed from my credit report from all 3 credit bureaus. 

The correction of the error being sought is described below in regard to the mortgage on my property. 

A 30 day delinquent entry on my credit report by XXXX XXXX XXXX because of an escrow shortage ; which is only a proposed or projected change. Its was not an actual payment that made that the company made and needed to recouped. Further, the proposed or projected escrow change was paid in full once XXXX XXXX XXXX was contacted. 

Payment application errors : XXXX XXXX XXXX rejected the full payment I made in XX/XX/2018 in the amount of {$1200.00}. It was not applied to the loan or returned to me. Why was it not returned to me if it was short within a timely fashion to avoid it being 30 days late? XXXX XXXX XXXX should not be unjustly enriched by unapplied funds sitting in their account that was intended to be applied to subject mortgage loan. 
XXXX XXXX XXXX did not properly credit the payment received on XXXX XX/XX/2018 in the amount of {$1200.00}. Said payment should have been credited to : XXXX XXXX XXXX Loan #. 
XXXX XXXX XXXX credited the XX/XX/2018 payment on XX/XX/2018 ; which resulted in a 30 day delinquency notice being placed on my credit report and a significant drop in my credit score. 
The payment should have been applied on the day it was received in accordance with 12 CFR 1026.36 ( c ) ( 1 ). 
XXXX XXXX XXXX should be required to remove the delinquent entry. It is harsh, detrimental and unjust. 
Mortgage Companies should be required to notify consumers via certified mail, phone or fax if unapplied funds are being held because of the adverse impact it has on a consumers credit worthiness, standing and capacity.
Product: Payday loan, title loan, or personal loan

I borrowed {$980.00} from the Cash Store on XX/XX/2022 my payments are listed below : XXXX/XXXX/2022 -- {$350.00} XX/XX//2022 -- {$100.00} ( refinance ) XX/XX/2022 -- {$220.00} XX/XX/2022 -- {$250.00} On XX/XX/2022 I asked what do I owe to pay off this loan and I was told I owe {$700.00} more when I question the amount that I still owe I was told that my interest rate is 568.95 % for 12 months however I am charged an interest rate for 12 months although the loan is for 6 months because we have the option to refinance. I was told that the total amount of the loan is {$3000.00} to pay back and if I pay if off early I have to pay half of that. I informed him that if I was told that I had to pay {$2000.00} back for a {$980.00} loan I would have never agreed to that. I informed them that I can not afford to pay this back as I do not have that kind of extra money laying around
Product: Debt collection

Fig loans and XXXX XXXX XXXX repeatedly contacted a third party by text in reference to my account. They contacted me as well. But they texted the third party details abt my account status through text. They had my phone, email, and address the entire time. I expressed to them on at least 7 occasions that they were texting my account info to the wrong person. I expressed this by email, text, and verbally. They continued to ignore my requests to remove the third partys info. I know they can leave messages with third parties.. but they are not supposed to give out my account information.
Product: Checking or savings account

CUSTOMER : XXXX XXXX XXXX XXXX BANK : CITIBANK N.A. 

NUMBER DEBIT CARD : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX TYPE : CHECKING In XX/XX/XXXX I made a deposit of a check for an approximate value of {$900.00} dollars through the CITIMOBILE app. It is a completely legal check and CITIBANK proceeded to block me, freeze my financial product. 


I request that you intervene to cancel the account and return the money to me. It is a completely legal check and it has already been credited to my account. 

In the financial institution they do not give an answer and they have withheld the money from me. 


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

I did not apply for anything with US auto sales, I was never in the market for a car and Im still not in the market for a car, so why am I seeing inquiries from auto companies. Please remove and block this information.thank you.
Product: Student loan

Approximately XX/XX/XXXX/XX/XX/2018 I requested from the federal student loan servicing to change my payments so that it reflects correctly on my credit report. Currently on my credit report it has me as having to make a payment of $ XXXX/month once I'm out of forbearance. Because I only make $ XXXX/year this has resulted in me getting denied a consolidation loan for my credit cards due to a high debt to income. I contacted federal student loan about this. They said I would have to enter the repayment status, then pay {$5.00}, then they would put me back in forbearance and then report to the credit bureaus that my payments would be $ XXXX/month. I did everything as said and it still says {$3000.00} on my credit report. They said it would reflect the {$400.00} by XX/XX/XXXX. Last week I had to call again because then I received an email saying I had to pay {$400.00} by XX/XX/XXXX. They fixed this one I called and told me that they would submit the request for the {$400.00} to be reflected on my credit report but now I have to wait until XX/XX/XXXX for it to show. But in the meantime I'd get a letter stating this {$400.00} that I can give to the bank to appeal the denial of the consolidation loan. I got the letter and where it has payment it says TBD. This is not going to help me at all!!! I've done everything I was supposed to do and still nothing. I don't have time to wait another month for this.
Product: Student loan

On XX/XX/2022 : I contacted my provider to get a refund of loan payments done during the pandemic as per the federal annoucement regarding loan forgiveness. The amount of payments and timeline they had available was not the same as my ( documented ) history of payments. Specifically, my provider ( Edfinancial ) didnt had the same amount of payment done with XXXX XXXX XXXX  ( my previous provider before it was moved to Edfinancial ). The representative said that he would send to me within XXXX days a payment history, but it wont have the timeline of payments I have. 

On XX/XX/2022 : Contacted for the second time my current loan provider ( Edfinancial ) for a refund of loan payments during the pandemic. The first time I had a mismatch of numbers with the timeline of payments done to XXXX XXXX XXXX XXXX previous provider before I was transferred to Edfinancial ), and this time Im asked to verbalize a history of payments done to XXXX XXXX XXXX  so that they can send a refund request with the verbalized amounts. I proceed to verbalize, and corroborate with the representative, said amounts paid. Im then told I should wait nearly 150 businesses days to get said refund and Im not sent any type of evidence/written confirmation of the processes made. 
*I attached the evidence of first payment done to XXXX XXXX XXXX which at the moment was not reflected on their ( Edfinancial ) side of payment history.
Product: Credit reporting or other personal consumer reports

date : XX/XX/XXXX XXXX XXXX, Equifax, XXXX To Whom it may concern The accounts is fraudulent on my credit report. I am taking action to get them off my credit report. I did not open these accounts it wasn't by me they are affecting my life Since COVID 19 I've been having problems with fraudulent accounts on my profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I made payment arrangements with Synchrony bank on several accounts. Synchrony on several occasions withdrew more money than what was agreed upon they sent a letter stating they made an error. But, this has been the 2nd or third time making this error. The purpose of making the arrangements that I was in a financial hardship. Because they took more money out of my account than was necessary it put me in more financial hardship. I stopped paying because I don't trust them with any other payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed credit reporting of an account on my credit report with Equifax. I received a response from Equifax and the data remains incorrect. 

I have attached Equifax response, confirmation # XXXX dated XX/XX/XXXX. 

I am disputing the recorded date of first delinquency reported on my Equifax Credit Report for XXXX XXXX Account # XXXX. 

Statement of Facts : My Equifax Credit Report contains two mortgages : XXXX # XXXX and XXXX XXXX # XXXX. 

The First Date of Delinquency is recorded as follows : XXXX XX/XX/XXXX and XXXX is XX/XX/XXXX. 

The information provided for XXXX is correct, the first date of delinquency is indeed XX/XX/XXXX. In Equifax response to my complaint, they provide detailed month by month delinquency from XX/XX/XXXX thru XX/XX/XXXX. This mortgage stop reporting to Equifax in XX/XX/XXXX because it was transferred/sold to XXXX XXXX. 
I have included a copy of the transfer deed in this complaint to record the actual transfer of the mortgage. 
What remains incorrect is the reporting of XXXX XXXX as the date of first delinquency as XX/XX/XXXX. This is the same mortgage as XXXX, it was simply transferred to them in XX/XX/XXXX. 
The Fair Credit Reporting Act ( FCRA ) defines the Date of First Delinquency ( DOFD ) as the date a consumer first becomes 30 days late, and never brings the account current. 
This account were never brought back to current from the original first date of delinquency reported by XXXX ( XX/XX/XXXX ). A simple review of the payment history on my Equifax report shows this information. 
According to the Fair Credit Reporting Act 's Furnisher Rule in the Fair Credit Reporting Act, lenders shall prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers. 
Based on this information, the XXXX Account should be reporting the date of first delinquency as XX/XX/XXXX to match the XXXX Account. I have attached documents supporting this information to this complaint.
Product: Credit reporting or other personal consumer reports

Unable to get credit report. Company stated this would be resolved and I now have not been able to obtain my report for over 2 months.
Product: Debt collection

The collection amount of {$700.00} was placed on my credit approximately 3 years ago. Prior to this debt going to a collections company, I attempted to reach out and negotiate the terms numerous times through the original company and never received a response. I was never aware of this amount as no one from the company of XXXX XXXX attempted to negotiate with me and try to arrange matters prior to collections and suddenly they forward this over to a collection company. Over the years, the collection company has not removed this debt from my credit as they never provided any validation. Also the company that sold this, had no legal right and did not inform me of this debt. I had disputed this matter several times through XXXX and never received a sufficient update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I noticed that Bridgecrest was reporting on all three of my credit reports XXXX, XXXX  and XXXX  a 30-day late for XX/XX/2020 in regards to an AUTO LOAN. I reached out to the company to provide me with valid information and paperwork in regards to this 30-day late item showing I was in fact 30-days late. Bridgecrest company REFUSED to provide me with the information I request. In addition, I requested that they immediately delete the inaccurate 30-day late payment from all three of the credit reporting agencies XXXX, XXXX and XXXX but Bridgecrest refused to accurately update my credit reports. During the XXXX when Bridgecrest stated I was late, I literally no longer owned the car at the time. It was TRADED IN at the DEALERSHIP in the month of XX/XX/2020 and I DID not OWN the car. I have not been able to resolve this issue with the car company, or have my credit report updated accurately.
Product: Vehicle loan or lease

XX/XX/2024 Reference # XXXX I visited XXXX BMW in XXXX today! I ran an application under my business name with my personal name and SSN attached to the application. 25-30 minutes later I was denied by XXXX XXXX XXXX, direct # XXXX for limited credit experience. I asked the finance manager to call them and when she did, she got XXXX XXXX on the XXXX XXXX, direct # XXXX and he said he would approve me for a max loan of 90 % of the MSRP and the rest I'd have to put down! I asked them do they operate under TILA, and they stated yes, they do! so if they operate under TILA they understand that if the decision isnt overturned, I will be forced to contact the SEC and let them know they're in breach of contract with them. Also, I'm being violated under 15USC1611, 15 USC 1602, 15USC1605, 15USC1662. They are also violating the ECOA & the Consumer protection act! If Im not given this consideration, I want my application retracted.
Product: Mortgage

Upon receiving my Year End Interest Statement, I realized that the address the mortgage company had on file as my primary home address was in a different state than where I live. I have emailed the company and made numerous calls in an effort to resolve this but I am not getting anywhere with them. I have explained that I live in Texas which is where my loan originated from, I have never lived in Tennessee which is the address that now shows up on my statements. This caused me to to have to get an extension to file my Income Tax and now I'm in danger of losing my XXXX health insurance as it is a requirement that i file my taxes. I've been battling XXXX XXXX and can not afford to be without health insurance. I tried explaining this to a supervisor after being transferred several times and she finally agreed to make the correction and fax me the form but that was over a week ago and I never received it. Also, I changed my homeowners insurance to a less expensive one and they claim that they never received payment. One week later I verified that payment was received but they are still charging me the higher premium that they slapped on my loan which increased my payment by more than {$200.00} per month. I don't understand how a mortgage company can change the address on my file without my authorization and increase my payment PLEASE HELP ME!!!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the ind

ividual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or
incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

Hey so I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Type of account Account name : XXXX Account number : XXXX Action Requested : Please provide proof that its reporting correctly because im attached a copy showing red X marks of all inaccurate dates in amounts being reported Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the file
Product: Mortgage

XX/XX/XXXX( Loancare ) is mortgage company, loan # XXXX, under name of XXXX XXXX XXXX XXXX. the problem is can not communicate with them, no one to talk to, are asking for late charges when payments are made 3 to 4 weeks in advance of payment date. Their statements to us are received after due date, we are using old statements & correcting the date. Just received statement today indicating we owe for two months, which we don't, but can't talk to anyone, only computer prompts. # 's to contact us at XXXX, XXXX, XXXX
Product: Checking or savings account

On XX/XX/2022 I called to have 3 merchants stopped in my account .... On XX/XX/2022 one of the merchants were paid then triggering me to call. I was told then each merchant had to be submitted individually and I was charged XXXX.. Now it is that one of the merchants have been paid on XX/XX/2022 and now.im being told it was because the amount is different from the stop payment amount and was charged another XXXX.. Now I'm being told the amount is being paid to the merchant... I don't understand that if I was told when I submitted stop payment requests that theses merchants would be completely stopped.. I have paid a total of {$120.00} in fees to have this problem taken care of and still nothing is being done... I can't close this account with a negative balance and every time I speak to someone it's always a different reason why this keeps happening... This has been extremely stressful and frustrating that I can't rely on my bank to properly handle this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate The Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to timely and effective measures to prevent and address fraud on their platform, leaving my accounts vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive. They did not comply with error resolution requirements under The Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss. I seek appropriate redress for these violations.