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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Subject : Complaint Against Equifax and XXXX XXXXXXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally lodge a complaint against Equifax and XXXX XXXX XXXX XXXX regarding the inaccuracies and repeated violations associated with my credit report. 

Despite the fact that the account in question XXXX XXXX XXXX XXXX was closed on XX/XX/XXXX over XXXXXXXX XXXX I have noticed that both companies continue to manipulate the remark codes on my credit report. They have changed the status from " paid '' to " paid and closed, '' which has adversely affected my credit score. This inconsistency seems to be a deliberate attempt to misrepresent my credit history, and I find it both alarming and frustrating. 

Additionally, I believe these actions constitute a violation of the Fair Credit Reporting Act ( FCRA ), particularly regarding the improper use of my credit report without my written consent. This ongoing issue has caused me significant distress, and I am concerned about the impact it may have on my financial well-being. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that these companies comply with the FCRA and rectify my credit report. Both of these companies used my credit report in a intentional and recklessly way and I will be pursuing legal action against both companies. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely,
Product: Mortgage

On XXXX XXXX, 2016 I applied on line for a home mortgage with Whitney Bank ( NMLS # XXXX ). On XXXX XXXX, 2016, I received an email from XXXX XXXX ( NMLS # XXXX ), the Residential Lending Officer with Whitney Bank who would be assisting me through the process. In that conversation, I spoke with him about pre-qualification requirements and the XXXX ( XXXX ) XXXX XXXX XXXX Program, a mortgage loan program that provides assistance to cover the borrower 's down payment and closing costs. On XXXX XXXX, 2016 I received a Mortgage Loan Pre-Qualification letter to purchase a home in the " {$350000.00} price range ''. The proposed loan was a Conventional 5 % down payment loan. The loan was also contingent on qualifying for down payment assistance for the XXXX XXXX program. 
On XXXX XXXX, 2016 a final offer was accepted on a house. The executed contract via email was forwarded to XXXX XXXX. The Third Party Financing Addendum of the contract stated that I needed to obtain conditional loan approval by XXXX XXXX, 2016. If for any reason I was not able to obtain financing prior to this date then I could terminate the agreement and have my earnest money refunded. This was highlighted in the email sent to XXXX XXXX on XXXX XXXX, 2016. Closing was scheduled on or before XXXX XXXX, 2016. 
On XXXX XXXX, 2016 I received conditional approval with a few remaining conditions. Conditions were met on XXXX XXXX, 2016. Again, on XXXX XXXX, 2016 I received another approval with conditions that were satisfied in a timely manner for closing. XXXX XXXX failed to deliver final disclosures, and obtain down payment assistance through the XXXX Program in a timely manner. As a result I lost my earnest money and other funds relevant to this transaction. 
Please see uploaded supporting documents and full complaint details.
Product: Credit card or prepaid card

I WANT TO RECIEVE MY UNEMPLOYMENT ( PUA ) BENEFITS IN MY CHECKING ACCOUNT ON MY DEBIT CARD AND NOT THEIR BANK OF AMERICA DEBIT CARD. I DO NOT WANT BANK OF AMERICA HANDLING ANYTHING FINANCIAL OF MINE AND THEY ARE NOT ALLOWING ME TO DO SO.
Product: Credit reporting or other personal consumer reports

Personal information was compromised and used to make fraudulent accounts with my name
Product: Mortgage

We filed a complaint against Nationstar a couple of months ago because they had failed to work with us or give us an opportunity to resolve our mortgage issues with them. We have now completed the initial review, and frankly we are very concerned with the way the servicing of this loan has been handled, specifically the failure to review the loan for capitalization modification, cap and extend modification, in house programs or even a repayment plan. It is obvious that this is an avoidable foreclosure and also obvious that we do not have the necessary funds to reinstate the loan in full. We have been told that the payment is so low in relation to my current income that we ca n't fit into guidelines to LOWER our payment. My XXXX issue is that Nationstar miscalculated the income. But going back to the initial issue, I know there are programs where they put the late payments back into the balance and the payment goes up. Why are they not looking at this program? Also they are claiming to use specific formulas to calculate my income and they are making errors. Also they have provided a property value that is nearly 20 % off from what all of the neighborhood comparable sales show. I am not sure why Nationstar wo n't be forthright and work with me towards resolving this issue1. Miscalculated income : The RMA that was submitted with my application listed a W-2 income of approximately {$4500.00} per month. That is based on my salary, and the guaranteed income that is received each paycheck. However, the Nationstar underwriter calculated the W-2 income as {$7100.00} a month. This does not add up, unless the underwriter is making the misguided assumption that I receive vacation pay, paid time off, bonus pay and recognition pay and holiday pay EVERY SINGLE CHECK. That is not the case. I have provided the same paystubs that were used to calculate the income that was used in the last denial. I would like a senior underwriter to review this taking into account my salary and guaranteed income, not occasional bonuses, vacation pay etc. 


2. Inaccurate Property Value : Nationstar has somehow arbitrarily come up with a value of {$190000.00} for this property. However, there are XXXX comparable sold properties in my neighborhood with similar or LESS square footage and the average sale price is {$230000.00}. I have included a list of sold comparable properties with square footage and the sale price. Additionally, I have included a list of XXXX properties under contract in the same neighborhood, referred to as " comps '' and the average sales price of these properties is {$240000.00}. 

Based on these facts I assert that my current value is {$230000.00}, as opposed to the {$190000.00} that was calculated by Nationstar. 
Once again, I want to know why my loan was not reviewed for a capitalization modification or a repayment plan or even an in house program? Based on the documentation included in the Nationstar denial, their agents only looked at HAMP and HAMP Tier XXXX, even though I know these other programs exist. I am not sure why they are denying me access to these other programs.
Product: Mortgage

Loan started XXXX XXXX on XX/XX/XXXX approximately, then transferred to XXXX XXXX XXXXXXXX of XXXX, then transferred to M & T Bank in XXXX of XXXX. In XXXX of XXXX, we applied for Loss Mitigation because my wife had lost her job and we were having financial hardships. The XXXX was approved with XXXX on XX/XX/XXXX, and accepted fully on XX/XX/XXXX. XXXX XXXX, the XXXX amount was {$1600.00} per month, that would resume XX/XX/XXXX. Thus, not having to pay XXXX of XXXX 's payment. Since that time, the transfer to M & T Bank happened, they have BOTH reported it to the credit bureaus, when I was specifically told this would NOT happen, as I did not want it to affect my credit in any way. With that said, we have had to appeal to all three credit bureaus, taken COUNTLESS hours to deal with M & T bank, and many many hours on hold ; unable to get ANY resolution for payment amount, XXXX  transfer proof, and actual amount due. This is not how a bank that has your mortgage should operate. They know they can change their policies on a whim, and most people don't read the fine print. We just want the credit reporting made right, and someone to tell the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Advance Resolution Services challenging the validity of these alleged bankruptcies they have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with Advanced Resolution Service. I have gone to the courthouse, and they have also stated they did NOT verify this information. I requested from ARS to please send me whatever documents of information they have personally used to verify these alleged bankruptcies, immediately. If they can not produce such documents these bankruptcies needs to be removed from my file as it is defaming my character as well as update the credit bureaus. As of XX/XX/XXXX I have yet to get a response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX Company Inquiries : 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

the following accounts are illegally reporting this negative information regarding a debt that allegedly I owe I requested to have the information verified they failed to provide me with proof. This is a direct violation of USC 1691 ( a ) 2 As well as 15 USC 1681 further sates there is no requirement for a financial institution to furnish negative information to a consumer reporting agency. The other negative information is a direct violation of my HIPPA rights.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This account XXXX I have disputed these accounts for years once they were removed but placed back on to my credit report. These accounts do not belong to me.

n 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 name : XXXX XXXX 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 an 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Debt collection

In XXXX XXXX, I paid an Attorney ( Florida Law Attorney ) a settlement payment owed on a debt. I paid the agreed upon settlement direct to the Attorney. it is now XXXX, and Midland Credit has placed a judgement against me for the debt. 
The Attorney at the time, XXXX XXXX XXXX has been since, disbarred by supreme court justice in state of Florida. 

I did not keep any records beyond 7 years as I was advised legally, that is statute, similar to IRS filings. 

Midland funding has a judgement on me for this debt that was originally settled in XXXX. 
they came out of the woodwork in XXXX on this matter. I will not double pay a settled debt. they are scammers.
Product: Mortgage

Pretender lender loan servicer " Ocwen Loan Servicing '' sent me a delinquency notice regarding the fraudulent {$750000.00} loan modification I signed under fear and distress to avoid Ocwen 's fraudulent foreclosure and trustee sale. I do n't own pretender lender loan servicer a single XXXX, in-fact they own me money. Its a good thing Ocwen XXXX hide behind there computer like little children because they would n't dare get in my face. Ocwen you XXXX have been found guilty of many violations and fraud through your XXXX years. XXXX, not XXXX. Keep on hiding behind your computers Ocwen little children. You are a joke!
Product: Money transfer, virtual currency, or money service

Back on XX/XX/XXXX we sent my son who lives in XXXX {$2000.00} from our savings account this time, normally we used our checking account, from our XXXX  XXXX XXXX mobile application, we always use the Zelle application to send him money, on XX/XX/XXXX we got a phone call from XXXX  XXXX XXXX 's customer 's service ( caller ID ), saying they were from XXXX  XXXX XXXX 's fraud department up in XXXX and that somebody was trying to withdraw {$3400.00} from our account fraudulently using the Zelle and they needed my help to try to stop them, I was asked to open my mobile bank app and go to Zelle application, XXXX was the number they used to send, XXXX to XXXX, I was told that this would help them find the people that were trying to steal our money so I was tricked and did not truly authorize this transaction to take place, I was told not to open my bank account on my phone for the next 24 hours and they would call me the next day and give me an update which they did but when they called they did the same thing over again and unfortunately talked me into cheating me out of another {$3400.00} and I was scammed again and finally wised up and did not talk to them anymore and I called XXXX XXXX XXXX 's fraud dept and they told me that they would investigate and then I got an email from them on the XXXX saying that the case was closed and that there was nothing they can do, because I wrongly gave them withdrawal permission, that I'm out the money so I would really appreciate your help that I was truly tricked and influenced and did not intelligently authorize the transactions so I would appreciate any help you could get with me with getting the {$7000.00} back thank you very much for your time
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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: Money transfer, virtual currency, or money service

Hi, I live in New jersey and 2 months ago, someone from an other state had access to my robinhood account and create debit card and transfer money, I have reported while process was happinning, it took a month them to fix problem and meanwhile I wasnt able to withdraw money or trade, now they put stolen money back but, I want to withdraw and get rid of this robinhood but they dont let me do and since 2 weeks even I sent them more than 10 e-mails they do not respond, I need my money because of family reason and this people doesnt care I would love to report them with all prove
Product: Credit card or prepaid card

My stimulus check was sent on a card and was sent to an old address someone got the card and activated it and withdrew all of the money off of the card. When I learned about this I disputed it as fraud and filed a police report sent all of this information in and they didn't investigate it they just denied my dispute stating inconsistent conflicting information! I've asked plenty of times for the information they used in reaching the denial and yet they haven't sent me anything as of yet and per law I am to be provided that if asked for and if nothing was used to reach the denial how was a denial reached with the police report and all I still have all of my paperwork that was sent and turned in including the police report and will forward it to you if needed. The company name is money network I don't know why my stimulus check was sent via card when my bank account number was on my tax paperwork and everything should've been deposited in my bank account to stop fraud yet it never was a check was mailed the first time for the stimulus check and was stolen and cashed without my consent I didn't cash it this is the second time this has happened and I'm tired of it im out of {$2700.00} and I've been appealing my decision and still nothing showing why it was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

I received today a bill from company name XXXX XXXX XXXX XXXX. The wanted to collect {$900.00} for something related to XXXX account from PayPal dated XX/XX/XXXX or between XX/XX/XXXX and now. I don't have any ideal what XXXX is. I don't have an account with PayPal.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.
Product: Mortgage

I sold my home in a short sale in XX/XX/2022 and the bank has still not filed a satisfaction/cancelled my deed of trust. It is still showing open on the register of deeds in XXXX XXXX, North Carolina
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX and we ( wife and I ) purchased a floor heater from XXXX XXXX XXXX because we had to keep lighting the old XXXX from under the house. The company promised us the unit would work for the downstairs of our house, but that was not the case. We tried to resolve this with the company, but they did not want to help us. We then did stop payment on the charge, which Capital One did, but when the customer disputed it, the charge was back on our account. Capital One explains that we have to get another XXXX person to prove that the unit is not working to specific specs. I explained that we should not have to pay for an HVAC person and they should take our word on what we rebuttal back. Also, what XXXX person is going to know what is going on with this unit, they did not install it or buy it, XXXX XXXX did! All of our voice conversations happened over the phone with Capital One on XX/XX/2022. I have written a formal complaint letter to Capital One CEO. Basically, the heating unit does not heat the downstairs and kicks off all the time and this was not explained to us on the day of the purchase by the sales rep XXXX. This happened weeks later, because they did not know anything about unit. The amount was XXXX total.