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

I am following up on my prior request for an investigation into the inaccuracies on my credit report, which I originally submitted in XX/XX/XXXX. To date, I have not received a response from your office, and the incorrect information remains, negatively impacting my credit. This inaction is both troubling and unacceptable. 

For your reference, please update and remove the late payments for the following accounts. 

- XXXX XXXXXXXX Balance : {$210.00} Date Opened : XX/XX/XXXX - XXXX XXXX XXXX XXXX : {$12000.00} Date Opened : XX/XX/XXXX I kindly request that this matter will be promptly solve by TRANSUNION. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within XXXX days of receiving a formal request. More than XXXX days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
Product: Credit card or prepaid card

I have been trying to reset my password to access my online account for over 30 days. I have spoken with Destiny Card ( Genesis Financial Services ) Customer Service 4 times in the 30 days. Each time they tell they will submit the issue to their IT and I should try again in 24 hours. Done this four times. Unable to access my account.
Product: Credit reporting or other personal consumer reports

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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$21.00}. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$480.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there. And Most of them are already XXXX balance but still reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX ( Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX stated on my credit report that I have an Individual tax lien which was reported file date XX/XX/XXXX an amount of {$1000.00}, second one stated filed date XX/XX/XXXX an amount of {$930.00} and third one stated filed date an amount of {$720.00}. I found these to be an error on my credit report and I attached a copies of state of Georgia Tax lien list that clearly indicate that am not on the list and is an error.
TransUnion stated on my credit report that I have an individual tax lien which was reported filed XX/XX/XXXXan amount of {$1000.00} and another one on XX/XX/XXXX an amount of {$930.00}. I found these to be an error on my credit report and I attached copies of State of Georgia Tax lien list that clearly indicate that am not on the list and is an  error.
Product: Checking or savings account

I recently applied for and was approved for a PPP loan. The funds were deposited into my Capital One 360 checking account. Capital one have frozen ALL my accounts, even the account that i share with my wife, an account that is not used for my PPP money.

I called Capital One and they advised me that the SBA have asked them to investigate ALL PPP loans that come into their account, this is not true according to the SBA.

They asked me to send in my tax return, which i have done, I also sent in a copy of my SBA paperwork. They have told me that there is NO TIME LINE on how long my account will be frozen, it could be 6 months, and I will not be able to get ANY kind of update until they are done with their " investigation ''.

I want access to MY MONEY, IT IS NOT THEIRS!
Product: Credit card or prepaid card

Greetings, I am writing to let you, CFPB know, that on XX/XX/2022 at approximately XXXX pm, I XXXX : XXXX, beneficiary entered into Ashley Furniture in XXXX, CA for a consumer credit transaction as I am in dire need of a bed mattress. The finance company is Synchrony Bank credit card services with reference number # XXXX. As I committed to my end of a contract, I provided the SSN associated with my Estate, and I was denied an extension of MY credit, which is unlawful. This is now going to result in a hard credit inquiry on my account without an account attached, which is a violation of my rights as a consumer. Please address this matter immediately with Ashley Furniture. The bank used for this credit approval is Synchrony Bank.
Product: Mortgage

XXXX XX/XX/XXXX Received escrow analysis statement Showing shortage amount {$16000.00}. ( they bought my mortgage in XX/XX/year> ) called them several time trying to understand how they let my escrow get so delinquent they told me to call my county tax office ( employee # XXXX ) Employee # XXXX said he would send the paperwork XXXX not here yet They told me- they did me a favor an keep my accounts up to date and I complaining about paying them ( employee # XXXX ). That its the home owner responsible to make sure I pay enough. 

Going thought my paperwork I can see there Errors THEY made now I did not catch that at the time I can not could up with the amount they say I owe I have lost all confidence and trust in this company.
Product: Mortgage

On XX/XX/2019 I received notice that my loan was in active foreclosure. I called into Freedom Mortgage to discuss the options and was advised to contact the foreclosure attorney once a reinstatement amount has been determine. I didn't understand how I was in foreclosure when there was a large payment that was sent in on XX/XX/2019 for XXXX. The representative explained to me that the funds sent was not enough to make a full payment and the funds remained in " suspense ''. " When the loan was referred to foreclosure, the funds are allocated as Freedom Mortgages sees fit, which was to escrow ''. I was confused since our monthly payment was elevated due to escrow shortage to begin with. I was not aware a company can move funds around without the consent of the consumer. I feel as though Freedom Mortgage purposely moved funds to escrow which expedited the foreclosure process. I talked to a supervisor in collections ( XXXX XXXX ID # ) and explained my situation and ask that funds be moved to reduce the outstanding balance, he apologized but was unable to assist. The supervisor said the foreclosure department makes the decision and agree that I contact CFPB to address my issue. 
I would like for freedom mortgage to move my funds to reduce the outstanding amount I owe in payments. The funds sent was never intended for escrow and it's not contractually stated the mortgage company can dictate how funds are applied regardless of the status of my account
Product: Credit reporting or other personal consumer reports

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. account : XXXX XXXX XXXX Ohio XXXX XXXX 15 U.S.C 1681 SECTION 602 A. State I have a right to privacy 15 U.S.C 1681 SECTION 602 A It also state 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 items 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: Mortgage

My VA loan was purchased by BSI financial XXXX # XXXX. My loan was escrowed for insurance and county taxes. My property is made up of 2 parcels. I received letters from my insurance company that my policy had not been paid. I spent hours trying to contact someone from BSI. They claimed they had the wrong company listed on my loan and kept getting the funds returned. They made no attempt to contact me when their attempts to pay a policy at the wrong insurance agency were blocked. I am now receiving letters from the county about taxes not being paid on a parcel connected to my loan. I spoke by phone with a representative who stated they only show 1 parcel on my loan. I have made numerous attempt to contact them being prompted by phone messages to leave a message and they would return my call when available. I have made online email messages. I get an email that I have a secure message but the system they use gives continuous errors or fails to load. I would like to remove escrow but can make contact with a representative to have action taken.
Product: Mortgage

XXXX filed a XXXX XXXX against my property at XXXX XXXX XXXX XXXX, XXXX, WI XXXX in XXXX. I have tried to obtain the XXXX XXXX documents in the amount of {$12000.00} submitted to HUD and according the XXXX documents XXXX not available. 

XXXX XXXX  XXXX : Requested all XXXX lien documents XXXX XX/XX/XXXX. On XXXX, XXXX XXXX  responded " we were servicing the first XXXX on the above referenced property and unable to locate any other accounts in our records. Please provide a copy of the title report showing the XXXX is outstanding. Also provide copies of recorded Mortgage and assignments and any payoff information you may have, such as a copy of payoff statement and/or the XXXX XXXX XXXX. 

HUD RESPONSE : On XX/XX/XXXX, I submitted a request to HUD and the response stated ... ..When using a XXXX Partial XXXX Option your Servicing Lender ( Servicer ) is required to prepare a Partial Claim promissory Note and subordinate Mortgage for your execution. The Servicer should provide you with a copy of the fully executed documents for your records. The executed Partial Claim subordinate Mortgage will be recorded and will result in a XXXX being placed against your property. 

If you can not locate your copy of the Partial Claim promissory Note or subordinate Mortgage you should contact your Servicer to request a copy of these documents. 

XXXX XXXXXXXX XXXX ; RE : XXXX. 

Action Required : XXXX Mortgage to provide the XXXX lien documents or contact HUD to XXXX documents of the XXXX lien. I would like it sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting late mortgage payments on my credit report since XXXX. When I dispute the account with the 3 major credit bureaus, the debt comes back as valid and they update it and lower my credit score. When I attempt to deal with the actual company reporting the debt, I get no answer from the listed number. When I looked up the company online, it stated that they were out of business. This is not a valid debt and should be deleted from all 3 credit reports
Product: Credit reporting or other personal consumer reports

A sales man came to mine and my wife 's home and gave us a vacuum that he stated was an air purifier and a vacuum cleaner. We insisted we didn't want it several times. He left it with us anyways and took our vacuum and broom and dust pan promising to return the next day to bring the rest of the pieces to the equipment and to see if we wanted it or not, he stated he would take it back if not. He never returned and didn't answer our phone call. XXXX XXXX  supplied the loan for this, they closed the account multiple times on mine and my wife ( XXXX XXXX ) credit and reopened it multiple times and kept charging us. They then took us to court to sue us we showed up and they never showed up so the judge dismissed it. They continue to charge us still today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I appreciate your efforts to update and correct some of the information on my credit report, there are still a few problems. The XXXX Credit Bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to confirm these items ( A ). I'm hopeful that these contentious issues will be resolved right away. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX A XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX MORTGAGE XXXX XX/XX/2022 XXXX MORTGAGE CREDIT XX/XX/2022
Product: Credit card or prepaid card

In answering complaint XXXX Wells Fargo wrote two letters dated XXXX XXXX, 2016. (Enclosures B & C to the answert of Wells Fargo to my request)Both letters misspell my name. One totally butchers my first name, the other my last name. Is this an indidcation on the thoroughness of Wells Fargo's work? In both letters Welss Fargo promisses to remove or reclassify the inquiries which were made about my credit report with XXXX, XXXX, XXXX, and XXXX.I just checked my XXXX credit report and none such action by Wells Fargo is reflected.
Product: Debt collection

According to Arizona Department of Financial Institutions, XXXX XXXX XXXX XXXXXXXX does not have a valid license to collect in the state of Arizona. I am disputing these accounts. 

I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that XXXX XXXX XXXX XXXXXXXX is allowed to collect debts in Arizona.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was close with XXXX XXXX XXXX and they are still reporting it under experian and its affecting negatively on my credit report. The account was open XX/XX/XXXX and it was closed XX/XX/XXXX Account ; XXXX this was reported a few months ago and it was advise that it was removed back in XXXX but now im showing that on XX/XX/XXXX that XXXX is still reporting this information to experian..i included experian on this complaint as well because i spoke with them and was advise that they want be able to remove it until XX/XX/XXXX because of what was reported by XXXX. The other 2 credit bereau has removed it from my credit report & experian is the only account where XXXX is showing up for. A fair decision would be for XXXX  to be removed from off of my experian credit report immediately i also have attach a copy of my credit report that shows proof of the 2 major credit companys which is XXXX  & XXXX removing the information from my report.
Product: Mortgage

I am writing about my earnest money and my loan was denied because my husband was going to be working 40 hrs. My work for XXXX XXXX and he does get paid for holiday pay. The underwritten denied the loan. and I was told that I get my appraisal money and my earnest money. When XXXX XXXX call she told me that I was not going get, my money back because of something about 21 days but I was told about 21 days. In my Earnest money contact there no clause in there saying anything about 21days. I have stay in a XXXX XXXX XXXX waiting on this get this loan approval they change the day from XX/XX/XXXX to XXXX XXXX and they it change again until XX/XX/XXXX. On the other hand this email I got from XXXX XXXX and XXXX, Good afternoon, the underwriter cant move forward with the loan for this purchase at this time due to the variable and non stable income for XXXX. We are lacking full time income and with having the summer off from his employment the underwriter has deemed it variable and non stable income and debt to income ratio is too high. 



You can get with XXXX to retrieve the earnest money deposit due to the financing contingency in the contract. I will notify the Appraisal Management Company ( XXXX XXXX ) to return funds for the appraisal fee, this can take up to 7-10 days depending on the credit card company. 



Thanks, XXXX XXXXXXXX. 
XXXX XXXX  | Mortgage Loan Specialist | Individual NMLS # XXXX TN # XXXX GA # XXXX CMG Mortgage Inc. | Corporate NMLS XXXX | XXXX XXXX XXXX | XXXX, TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 section A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy and protected consumer rights to privacy and confidentiality under 15 USC 1681 I respectfully ask hat these addresses be removed from my credit report history IMMEDIATELY. Inaccurate address reporting as XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX You in advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called directly to Gm Financial about why since XX/XX/2017 they stopped reporting to my loan I have with them, and they alw as us say the same story, soon is what they say, i question them and get no results on what date and why they stopped It's been several months now and I'm trying to repair my credit
Product: Mortgage

Called PNC Mortgage today in regards to terminating our PMI and the letter I received for the process. The letter states the investor requires the XXXX to be 75 %. I am at XXXX % LTV. I state that at 80 % I have a right to remove it or wait until loan date to reach XXXX % as scheduled. PNC Rep. stated the investor requirements were XXXX %. I asked how he can supersede the government? Secondly I never signed with PNC ( loan sold to PNC ) and I stated my agreement does not indicate XXXX % LTV on the documents I signed. so forth and so on. I also stated if I wrote a $ XXXX check today cut my loan in half and the new LTV was XXXX % would I have to pay PMI. She stated yes and the investor would need to review and an appraisal would need to be done at {$500.00}. I then stated the only way to eliminate the PMI with PNC would be to sell/refinance the loan to someone else. Long story short, I did not get anywhere with PNC.
Product: Debt collection

After reviewing the overall credit profile, Enhance Recovery furnished a XXXX  bill on the overall credit profile. The phone was upgraded for a new plan, and the previous device was replaced.
Product: Checking or savings account

Bank of America seems to be withholding my phone number from registering it with another bank. I unenrolled from the XXXX service with Bank of America and I called XXXX to confirm that my phone number was deactivated within their service. However, I still can't register with XXXX XXXX, XXXX, XXXX XXXX, etc. The XXXX XXXX XXXX XXXX mentioned that Bank of America is probably holding the token. 

In summary, I can register my phone number with Bank of America and deregister it, on and off, without any problem for the XXXX service, but not with other banks. I do not like that my number was hijacked by one bank and lost its freedom.
Product: Credit reporting, credit repair services, or other personal consumer reports

OTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, TXXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # 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.
Product: Mortgage

Ditech Financial/Green Tree Servicing received our check for final payoff of our loan on or about XXXX/XXXX/15. Now Ditech refuses to reconvey our house, refuses to pay us the amount that they owe us from our escrow account, and continues to demand more money from us. They declared a default on a loan that has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  acct # XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX lender XX/XX/XXXX experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX 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 an account without my written instructions