23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company did not pay my property taxes on time. I closed on a new construction house XXXX of XXXX. My builder built XXXX identical houses on a larger lot. As we did not close on the property until the middle of the tax year, my lot was not formally split off from the original lot by the tax assessors office until XXXX tax year. This was not caught by the mortgage company during the closing process. As a result I had to continue to pay into my escrow account all year despite the mortgage company refusing to pay my first year of taxes. I then had to personally reimburse my neighbors for our shared property taxes for the original lot. In XXXX of XXXX I received documentation from the tax assessor that the lots were split for the upcoming tax year. I sent a copy of that letter by both physical mail and email so that the mortgage company had the updated information. When it came time for the school tax bill to be paid by XX/XX/XXXX, I was still receiving notices from my bank that my property had not been split from the lot. I messaged them on XX/XX/XXXX through their secure message center with the updated bill amount. When I hadn't received any response by XX/XX/XXXX, I called them directly to check the status. I was told the bill had been received and that a work order was opened to request payment of the bill. I finally received a reply through the secure message center on XX/XX/XXXX stating the property was still listed as To Be XXXX and that a bill had not been received, which was in contrast to what I was told on my last phone call. On XX/XX/XXXX, I received a notice from my city 's tax authority that my tax bill was unpaid. I mailed a physical copy of the updated bill and emailed to the customer service address given to my by my mortgage company. After another week went by, I called the company again and all that they could tell me was that there was still an open work order to request payment of my bill. They could not verify the receipt of either copy of the bill I sent through physical mail or email. They assured me that the bill " would be paid '' but could not give me any timeline on if it'd be paid in time to avoid any further penalty. I'm frustrated because I've been in communication multiple times about these tax issues over the year and a half that I've had my house. Every person I talk to seems to have no record of my previous conversations and there documentation on their side is severely lacking. I'm concerned that there is no safe way to send in documents to the company without risking them being lost in the process. They have not proved to me that they are adequately equipped to handle the finances involved with my property and I'm concerned about my finances and credit being impacted by their inability to communicate with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Product: Debt collection

Choice Recovery , Inc. has directly reported negative information to all 3 credit bureaus without ever sending me any form of notice.

I was never given the opportunity to confirm or deny the debt, nor has this company ever contacted me regarding this.

I am absolutely disgusted that they would treat me as an uneducated consumer.

FDCPA laws are very clear and I should not have to quote them for Choice Recovery and this negative information should be deleted from all 3 credit files immediately.

809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall ce
ase collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collec
tion activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act.The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX Experian. XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX, XXXX Experian. XXXX XXXX XXXX XXXX-Reported XX/XX/XXXX # XXXX XXXX XXXXXXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX  XXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXXXXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX I looked over my Experian, XXXX, XXXX XXXX XX/XX/XXXX and noticed some are incomplete and not accurate.And according to the Fair Credit Reporting Act whenever and consumer reporting agency prepares a it should follow reasonable procedures and provide maximum possible accuracy of the information concerning the individual about whom the the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i they are suppose to do this ( 5 ) Treatment of inaccurate or unidentifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information from the file of the consumer can not be verified, the reporting agency shall ( i ) promptly delete that item of information the the information has been modified or deleted from the file of the consumer. ( ii ) Promptly notify the furnisher of the that information that the information has been deleted from the file of the consumer. and according to 15 USC 1681s-2the are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Experian free credit report XX/XX/2021 and noticed that my personal information that was requested to be removed and updated XX/XX/2021 had returned on my consumer report. On XX/XX/2021 Experian updated all information that was requested ( attachment below ). Upon review of my free credit report XX/XX/2021 they are reporting inaccurate information that was once deleted, plus they have added an unknown address to the report. An address that I have NEVER been associated with and also divorced married names that no longer legally pertain to me. I sent Experian a certified Mailing # XXXX on XX/XX/2021 requesting that they update my information with the proper identification within seven business days. To date they have not honored either request.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 consunter reporting agency can not furnish a account without my written instructions
Product: Mortgage

After losing my job and finally getting reinstated and making payments, XXXX added a series of garbage fees and then turned my loan over to Seterus last year. It would allow me only a 40-year mortgage, when I had only about 12 years left on the original. I accepted it because they threatened foreclosure and I thought I was out of options. I figured I 'd pay it a little bit then sell. But that means that less than {$100.00} on an $ 1819 monthly payment is going to pay down the mortgage ; about half of that {$1800.00} goes to taxes at the moment. Then suddenly this summer, Seterus reported that I owed an extra $ XXXX more on my mortgage, meaning it appears that my mortgage got bigger and I 'd paid nothing off. Three weeks ago, I faxed a request for an explanation ; Friday they pretended they 'd just received the fax the previous day. So my credit is damaged because of the higher total showing, and I ca n't get an explanation.
Product: Mortgage

My Loan was sold to Mr. Cooper/ Nationstar company in XX/XX/XXXX. XX/XX/XXXX the home insurance payment was due. Mr. Cooper/ Nation Star called XXXX XXXX to get payment amount. XX/XX/XXXX they mailed the payment. Insurance company cashed the check XXXX XXXX but said they received the check XX/XX/XXXX which they stated was received too late and therefore instantly issued a refund to me however I never received a check or letters of cancellation from them. This entire time I have been making my payments to the mortgage company under the assumption that my home was insured as my was loan includes my insurance payment built into the monthly payment. On XX/XX/XXXX my house caught on fire due to an illegal firework that landed on my home while I was not home. Unfortunately extensive damage occurred to my home. I called XXXX XXXX XXXX  and filed a claim. On XX/XX/XXXX I received a call from XXXX XXXX  that my claim was denied due to my insurance was canceled effective XXXX XXXX. I immediately called mr. Cooper/ nation star and after many phone calls between them and my insurance I have been told that it is my previous lenders fault as they never added them as loss payee however when the sale happened I personally called mr. Cooper and was told that it was a seamless transaction and they would handle everything and to just continue making my payments. Now nation star is stating that they will only help me if I agree to allow them to add force placed insurance to the loan which is extremely expensive and will not cover any of my personal items and possibly not all Of the damages. I feel Helpless as they told Me either I agree or they will add the insurance since I dont have insurance on my home. I am currently XXXX  since it is not safe to live in my home due to the fire damage. My mortgage company will not even speak with my any longer unless I agree to what they want. Please help me as I dont know what my rights are here and I thought the mortgage company was suppose to pay my insurance which is what I thought I was covering in my monthly payments to them this whole time. 

Side note : XXXX from Mr. Cooper was rude and would not escalate my call to a manager when I asked her too. States I needed to speak with her as she needed to try and fix it before escalating. She also argued with the insurance company that mortgage companies have 30 Days to make the payment but the insurance rep told her no payment is due when its Due which leads me to believe that I may not be the only one that may have an insurance policy cancelled due to late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts due to my identity being compromised years ago and it's still haunting to me when I see my credit report. My credit report is filled with unauthorized and unknown accounts. The following accounts I'm demanding to be removed from my credit report, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX XXXX {$130.00}, {$370.00}, ( 5 ) XXXX XXXX XXXX {$1000.00}, ( 6 ) XXXX XXXX  XXXX {$51.00}, {$240.00}, {$120.00}, please remove these accounts immediately.
Product: Checking or savings account

I tried to access my account on XX/XX/year>, but the website and app both wont let me log in and they are down. I am not able to access my account, manage it, and see my balance
Product: Credit reporting or other personal consumer reports

I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.
Product: Debt collection

This company called me without sending a letter regarding a debt from XXXX XXXX XXXX or FBCS and I have never made any transactions or business with this company. Therefore, I request that this company stop and cease all communication methods with me. Additionally, I request you to delete this account from your company and that you remove from XXXX, XXXX  and XXXX  if you reported this account to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter to Remove Inaccurate Credit Information Attention : Report Team at Experian, XXXX, XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

Dept of Ed/XXXX  I also respectfully request to be provided proof of this alleged item, precisely proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

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

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Under section 605b of the FCRA this following items listed below needs to be removed : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX  Inquiry Date XX/XX/2022 XXXX XXXX  XXXX Inquiry Date XX/XX/2022
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX notifies me of technical difficulties in not reporting to bureaus from XX/XX/XXXX. They also stated that " None of XXXX XXXX 's customers credit was negatively impacted. '' This is not true. My bureaus had not had any payments listed since XXXX, XXXX. I contacted XXXX on XX/XX/XXXX for an update & request a credit letter because I received a letter from my credit card company ( which was paid off ) stating that they are closing my account " since I don't pay my bills. '' Since XXXX was the only account I had open but not reported, I can only assume it was them. I was told my account was scheduled to be updated by the end of XX/XX/XXXX and that they would fax the credit letter over -- it never came. I called again XXXX more times, spoke to supervisors, all to get the same answer. On XX/XX/XXXX, a fax arrived but with someone else 's information. This has been ongoing since. Of all the Bureaus, 2 show my account as " closed '' and 1 is " open '' and XXXX blames the bureaus. My credit rating has been severely impacted and still is to this day. 

The issue is the comment XXXX has added to the account ; " Chapter XXXX Bankruptcy Dismissed ''. My car was not apart of the bankruptcy and if this information triggers the account to close. When it is removed the accounts is open again. This have been going on for almost a year and a half impacting my credit reports. I finally had to send an e-mail to the CEO of XXXX XXXX with documentation showing that when the information was added to the comments the account became closed and once it was removed it opened again. This worked until they recently updated my bureaus and the remarks were added back in again. My scores look like a EKG reading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting or other personal consumer reports

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Product: Mortgage

Ocwen loan servicing company did not send me XXXX for XX/XX/XXXX tax year. 
When I try to contact customer service to get these tax documents, they could not find any records of the loan ( SSN, loan number, etc. ). 
They probably erased my records because I paid back the loan in XX/XX/XXXX. 
They erased my online account which I had previously used in order to download XXXX for XX/XX/XXXX. I can not create a new user because the website does not recognize my loan number.
Product: Bank account or service

Identity theft, withdraws from my personal XXXX XXXX Account, using my identity in another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is information that's on my consumer report consumer report that is identity theft, according to 15 U.S. Code 1681b - Permissible purposes of consumer reports, my written instruction is the only way these items were to appear on my consumer report, and I gave no instruction at all.Theres no way you can say goods or anything was received as a result because again using someone's identifiable information to extend and good, credit or services is identity theft according to the law. 15 U.S. Code 1681b - Permissible purposes of consumer reports Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; I here by truthfully say that the information is not information relating to any transaction by me. 

SEE ATTACHMENT for identity theft for XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report months ago and noticed incorrect activity on my account. I am reevaluating my credit report again, and several inaccuracies are listed. It is my knowledge that you will investigate these accounts to guarantee accuracy. Listed below is the account that I am asking you to look into as accurate XXXX XXXX