23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, XXXX, I closed on my home. Since that date, my mortgage has been sold many times. As a result, I have had a number of servicers. My payments have never been late. XX/XX/XXXX, I entered into a Forbearance Plan due to hardship initiated by the pandemic. Just prior to entering into the Plan, I was advised that I had a new servicer. I was advised that no adverse information would be reported to the credit bureaus while in forbearance status. Prior to the end of the forbearance period, I was advised of ( 4 ) options to keep my status in good standing. I opted to exercise the option of a loan modification. The loan modification closed in XX/XX/XXXX. The following month, I was advised by my credit monitoring company, XXXX XXXX XXXX, that Shellpoint Mortgage Servicing had reported adverse information to XXXX, XXXX, and XXXX. Shellpoint Mortgage Servicing reported that I was delinquent in payments. I immediately contacted XXXX and was told that technically I was delinquent because I had not made payment ( s ) during the forbearance period. I tried to explain to no avail that by definition forbearance means that payments will not be made during such period. The XXXX representatives would give conflicting, inconsistent information from call to call. Some representatives would indicate that the reporting was in error after confirming that their records reflect that payments resumed in a timely manner following forbearance. I was told that they would submit my concern for review. Ultimately, I was told that I did not maintain good standing since payments were not made while in the Forbearance Plan. The matter was escalated to their Loss Mitigation Department. The issue was passed around throughout their operation, while my typically high credit score ( s ) plummeted severely. In addition to attempting to address this error in credit bureau reporting, I made a lump sum escrow shortage payment of {$510.00} on XXXX XXXX, XXXX. Subsequently, I learned that Shellpoint applied this payment as a regular monthly installment. I was told that making such escrow payment would not reverse the delinquent report to the credit bureaus. I was aware that these are separate matters. Overall, the servicing provided by Shellpoint has been problematic since inception. I have never experienced such issues with any of the many servicers that I have had since initially closing on this mortgage 25 years ago.
Product: Debt collection

It is understood on XX/XX/2021, the Debt Collection Rule became effective clarifying how debt collectors can communicate with me, Attached XXXX XXXX XXXXy XXXX dated XXXX XXXX XXXX received XXXX XXXX XXXX, intentionally ignored my XXXX communications to BMC XXXX that the ONLY/SOLE communication be to XXXX. XXXX XXXX XXXX clear intention was to violate Debt Collection Rule anticipating that its attached communication would be lost by USPS so that it could inflict harm on my credit score. 

Each of these 50+ communications stated : " ... please provide by return email to XXXX all evidence of validity of this debt; including but certainly not limited to, all copies of all billings to XXXX XXXX XXXX all insurance billings, all medical records of all alleged service ( XXXX ), all insurance denials and the name and address of collectors you have used. ''
Product: Debt collection

Date:XX/XX/2019 Amount : {$1000.00} Action Taken : Sent multiple disputes and also went through CFPB and on one of my credit reports, this collection agency has a different name abbreviated which made it difficult for CFPB to locate them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a late payment on XX/XX/2022 XXXX XXXX  XXXX .... account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX .... Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED
Product: Credit reporting or other personal consumer reports

I recently sent a letter to XXXX Credit Bureau on XX/XX/2024 about late payments reporting on my account that are not accurate. These items have already been removed from my XXXX report and under 15 U.S.C 1681e ( b ), I have the right to fair and accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Regarding XXXX, XXXX, and XXXX, I'm writing to you. Evidently, I've written you about this in a number of letters. They have disregarded my demands for some reason. 

My consumer rights are being violated by these credit bureaus. 
They broke both the FCRA and the CFR. Please see 15 U.S.C. 1666. ( B ). Another statute that is relevant to this letter is 15 USC 1681 ( B ), which stipulates that I, as a consumer, must grant you PERMISSION to provide information on my behalf. 

I have not yet given such authorisation to you or ( XXXX, XXXX, and XXXX MIDLAND CREDIT MANAGEMENT ). Additionally, in accordance with Section 604 of the Fair Credit Reporting Act, Consumer Reports may be used for any lawful purpose. in general Anything subject to subsection ( e ) 10.26 billing error resolution. 


I've provided a copy of the tracking number below to demonstrate that I sent them individual letters for each credit bureau. 



Kind regards, XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had pristine credit my entire life. Why I can't get a perfect credit was beyond me -- until I started researching how they score. I've paid off my house and cars and owe no debt. I have just a few credit cards I use and pay off every single month. Since doing this, my credit score has gone DOWN. XXXX? This is what's wrong with our country. It encourages debt. You can bet your sweet XXXX that it'll take a heck of lot longer for my score to go back up than it did for them to hit it XXXX points because I made a large purchase on a credit card ( so I could get the points ) and immediately paid it off!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to all 3 credit bureaus regarding this INACCURATE information on my report. The company ( XXXX XXXX and the Courthouse ) that they all told me that verified the bankruptcy sent me a letter stating that it is inaccurate and I even went to the court house to get a letter and it also states that they have no information. TransUnion is lying and violating my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I strongly request that you act quickly to eliminate the unauthorized inquiries from my credit report. They are causing significant distress and I have supplied the necessary documentation for verification. Please expedite your investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked EXPERIAN to do a verification of everything on my consumer report and they stated they did and that everything was already verified as accurate. However I did my own investigation and found several inaccuracies on my consumer reports, even after EXPERIAN said everything was verified and they conducted a full " investigation ''. Experian removed the XXXXXXXX XXXX account in XX/XX/XXXX of 2021. Then experian reinserted XXXXXXXX XXXX  on XX/XX/2021 which then violated me per 15 USC 1681i. I have been struggling with the following accounts ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian and the companies listed above have all violated my rights several times over and caused me several damages.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX, Number XXXX XXXX XXXX, Number XXXX
Product: Checking or savings account

On XX/XX/2023, an unauthorized EFT transaction was submitted to my USAA checking account. On XX/XX/2023, I saw and disputed the EFT transaction with USAA, and with the merchant, XXXX. XXXX could not find authorization so they agreed to investigate and reverse the charge. After speaking to XXXX I contacted USAA again to request a provisional credit and provided USAA with XXXX 's complaint number. On XX/XX/2023, I tried to log into my USAA account but my access has been denied. I contacted USAA via telephone to inquire about gaining access and was told that the fraud department has locked my account for 7-10 business days while they investigate the dispute. USAA does not have brick-and-mortar access so the only access account holders have is online. When I reported/disputed the transaction I was not given notice that access to my account would be denied nor could I find any disclosures that provide notice regarding denying access to one 's own account while they investigate a disputed transaction. Locking account holders ' access while USAA investigates fraudulent and/or disputed transactions is intended to chill account holders from submitting disputes.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

From XXXX to XX/XX/2017 company reported late payments on student loans. I was told by company while on XXXX XXXX loans are deferred. I have sent a copy of my XXXX to company. I have had no taxable income since leaving the XXXX in the amount to pay the debt ( currently only get va XXXX ) creditor told me I am right but still refuses to remove late pays.
Product: Credit reporting or other personal consumer reports

Recently I 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's my understanding that Equifax and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN XX/XX/XXXX SYNCB/PAYPAL XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by XXXX that my Social Security number was compromised. 
So after checking my credit report, I saw some inquiries that did not belong to me. 
I notified each one of the credit bureaus by certified mail to investigate the inquiries. 
each one of the credit bureaus failed to prove that any of the companies who had performed a hard inquiry into my credit had my written authorization.
Product: Credit reporting

My dispute regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not been addressed. It has been over 6 months and the information still shows " re-investigation in process ''. XXXX has failed to provide adequate results within the time limit. I am asking that this be removed from my credit file ASAP. XXXX and Experian removed this debt after re-investigation over 6 months ago. My dispute was filed in XXXX 2015 ( see outcome from Experian in XXXX 2015 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

I had sent a payment via zelle using my XXXX  account, to a vendor. I canceled the event within the alloted time frame and asked for a refund. I contacted zelle and my bank and even submitted proof of the {$400.00} being sent and how the vendor at no point in time informed me that the money could not be sent back. I submitted proof and opened and investigation and my bank, XXXX and zelle both refused to do anything about it. Even though there was PLENTY of valid evidence. I even contacted the XXXX  about this issue and they said there was nothing they could do. I trusted in zelle to refund my money with proof since the vendor refused to refund me as she should of. I trusted my bank to support me and do what zelle was refusing to do. I only wanted the {$400.00} back from the vendor that was sent. The funds were sent in XXXX of 2024, the refund request was made in XXXX of 2024. The event date was XX/XX/year>, refund requested XX/XX/year>. The vendor was a boating company located in XXXX named XXXX XXXX  She refused to refund me, she laighed at the fact that she was not doing a refund and even stated that according to her website, which is not how we communicated, there were no refunds. I have proof of our entire conversation, where not one time did she mention a webiste nor refund policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( CREDIT ACCOUNT REPORTED INACCURATELY AND ERRONEOUSLY MUST BE REMOVED IMMEDIATELY ) XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I wrote a ( Bank of America ) check for {$20000.00} payable to the United States Treasury. 
On XX/XX/XXXX the check was fraudulently deposited by 2 fraudsters into a ( XXXX XXXX ) account. 
In late XX/XX/XXXX I received a letter form the IRS saying I owed nearly {$15000.00} in taxes with late fees, penalties, & interest. I was shocked because I believed I had paid them with the {$20000.00}. 
That is when I contacted Bank of America for a copy of the cashed {$20000.00} check. It could be seen on the back of the check that it was 2 fraudsters that did a direct deposit to XXXXXXXX XXXX 
I visited a XXXX XXXX and the Branch Manager looked it up and found that the fraudsters ' account was frozen and the money had not been disbursed. 
I contacted Bank of America and reported the incident and an investigation was opened. 
Another month has gone, it is now 8 months, and my {$20000.00} has still not been returned to me. 
XXXX XXXX has had my money for 8 months and I still had to pay the IRS, along with almost {$1000.00} in late fees, penalties, & interest. 
XXXXXXXX XXXX  never contacted Bank of America to alert them to this fraudulent transaction in an effort that I could have been contacted. 
XXXX XXXX won't speak with me because I am not an account holder. 
Bank of America has no information to offer. 
When can I expect to get my {$20000.00} back?
Product: Mortgage

Newrez LLC seems to be running an insurance scam. They purchased my mortgage from another lender and began servicing it several months ago. About a month ago they sent me a letter claiming that I did not have insurance for the property and threatened to purchase insurance on my behalf. I do have insurance, I have always had insurance, and have at no point agreed to allow them to purchase insurance on my behalf. I uploaded proof of insurance to their website. I received a letter today indicating that they have purchased insurance on my behalf at a premium of {$2100.00}. My typical insurance premium is {$620.00}. My insurance company, XXXX XXXX, actually billed Newrez for my insurance, and Newrez paid the premium. So they absolutely know that I have insurance for this property, they literally paid the bill out of my escrow account. I believe they are affiliated with this other insurance company that they bought insurance from this other company ( they didn't even provide me with the name of the company ) and are intentionally ignoring the fact that they have paid my insurance bill with XXXX XXXX from my escrow account so that they can charge me three and half times the typical rate. I require assistance retrieving the funds that they have stolen from my escrow account. Thank you for your help.
Product: Debt collection

RE : Debt Validation and Cease-and-Desist Request Dear XXXX XXXX XXXX XXXXXXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to formally request that you provide documentation validating this debt. Additionally, I request that you immediately cease and desist from all collection activities regarding this alleged debt until proper validation is provided. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor. 
Verification of the total debt amount, including a detailed breakdown of the principal, interest, and any fees. 
Documentation showing the existence of a contract or agreement between myself and the original creditor, demonstrating my obligation to pay this amount. 
Copies of all assignments or transfers of the debt, including evidence of the transfer from the original creditor to your agency. 
Proof of securitization, if the original creditor securitized the debt. 
Documentation of any transfers or assignments to secured trusts or back to the original creditor. 
Until you provide the requested information, please cease and desist from : Reporting this debt to any credit bureaus or accessing my credit report. 
Communicating further with me about this debt, except to provide the requested documentation. 
Permissible Purpose If you have accessed my credit report, please provide your permissible purpose for doing so. I dispute your right to access my credit information and request that you not take any further actions in this regard. 
Notification to Other Collectors If you transfer or sell this debt to another collector, you are required to notify them of this dispute and provide them with a copy of this letter. 
I dispute the validity of this debt. If you have already reported this debt to any credit bureaus, please ensure that the dispute is reflected on my credit report in accordance with the law. 
Please treat this letter as a formal notice to cease and desist any further collection efforts until proper validation of this debt is provided. I expect your timely response within the guidelines of the FDCPA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Initiated a timely debit card dispute with PNC Bank through the online portal on or about XX/XX/XXXX. The above mentioned bank initiated a standard template " Debit Card Transaction Dispute Form '' dated XX/XX/XXXX, and not received in the mail until XX/XX/XXXX, the bank gives the consumer 4 days to respond, with a respond by date of XX/XX/XXXX. As in the past, the bank conveniently, has lost the completed dispute form. Therefore, proof of the completed dispute form and fax transmission confirmation is attached. Details of the debit card billing dispute have already been explained on the above mentioned form and the bank online portal.
Product: Checking or savings account

on XX/XX/XXXX, i lost my husband. i waited and waited for retroactive spousal payments from Department of Veterans Affairs. 
I looked up my Ebenefits page under Department of Veterans Affairs, it showed that my payment was deposited into an fraudulent account at Wells Fargo Bank on XX/XX/XXXX.  the only account I have with WFB is my mortgage. i went into the XXXX, DE location and all I got was questions from CSR " are you sure this not your account '' 'could you have gave a wrong account number? '' Only thing was done, was that it was proven as an fraudulent account and the deposit was done with a check/trace mode on XX/XX/XXXX. this account could not be found anywhere. 

after almost 3 years and still the grief, XXXX, and XXXX is still fresh like as if it was in 2015. Have never received anymore from this bank. 

Department of Veterans affairs resubmitted me a payment. But clearly when I signed papers at the VA my Deposit was to go to XXXX. I would like to be compensated for this situation ... not out of the other class action suit this is more than what is going on with the class action suits. until i read about these class action suits, i wasn't even interested until I remembered what had happened to me and I consulted with a lawyer. who advised me to file this complaint.