23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern, I am writing to formally lodge a complaint regarding the handling of my FHA loan associated with the property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Despite having a buyer and an accepted offer for my property, I am facing significant obstacles due to Movement Mortgage , LLC 's refusal to proceed with the loan assumption process, compounded by a concerning lack of internal communication within the company. 

Background : As a homeowner managing an FHA loan for the aforementioned property, I unfortunately fell behind on a few payments. In response to this situation, I listed my home for sale in early XXXX and successfully found a buyer, a highly qualified doctor, willing to pay the full price. An offer was made and accepted by me in good faith. 

In collaboration with Movement Mortgage, I filed a claim to bring the mortgage current by adding the missed payments to the back end of my loan and signed a promissory note to this effect.

Issue at Hand : However, I have encountered a significant and distressing roadblock. Movement Mortgage is refusing to proceed with the loan assumption process for the buyer, citing the reason that the loan is not current. This is perplexing and misleading, given the claim filed and the promissory note signed specifically to address this issue.

Moreover, there is a glaring issue of internal miscommunication within Movement Mortgage. When I interact with different departments, including customer service, loss mitigation, and the loan assumption department, it becomes evident that they do not have access to or do not share records of the activities and decisions made by the other departments. This fragmentation in communication has led to an extremely frustrating experience, as it seems like the left hand does not know what the right hand is doing, creating unnecessary barriers in resolving my situation.

Request for Resolution : I am earnestly requesting an immediate investigation and resolution of this matter. It is crucial that Movement Mortgage facilitate the loan assumption process expeditiously to allow the sale of the property to proceed as agreed upon with the buyer. Failure to address this issue promptly will result in significant financial damage and will negatively impact all parties involved.

I also intend to request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter, as the current situation seems to be in violation of fair lending and servicing practices.

I expect a prompt response to this letter, outlining the steps that will be taken to rectify this situation. My aim is to resolve this matter amicably and efficiently, without the need for further escalation. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I unfroze my credit with XXXX XXXX, XXXX and Equifax. I was clear that I wanted it unfrozen for ONE DAY ONLY. I was applying that day for a new ISP and they wanted to check my credit. I had no problems with XXXX XXXX or XXXX. They both unfroze it for one day and then froze it again.

I received the provided notice from Equifax that my credit has been unfrozen for ONE YEAR! This is a huge error! I have tried calling multiple Equifax phone numbers and am being told by recordings that they can not verify who I am and there is no live person for me to speak to! I have tried going online but, as you can see from the provided notification, I can not log on either! Their phone system as well as their online system are both completely screwed up!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Add this New List of Illegal Activities by the Furnisher to My Recent Complaint # XXXX ( Attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A PROVEN VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

To whom it may concern : I hope this message finds you well. I was a loyal XXXX customer for two years and always paid my balance in full. I never received any notification that I had debt with this company until I received a phone call from XXXX XXXX Debt Collection Agency in  XX/XX/XXXX stating that I owed XXXX  . This was the first time I was informed of having any sort of debt with this company and I immediately paid the balance in full. When I moved I had cancelled the service and was not made aware of any remaining balance. I have always been responsible and accountable for my finances and this mark is an inaccurate representation of who I am as a consumer. Moving forward, I would not want this wrongful accusation on my history to negatively affect my opportunities in the future which revolve around my credit score. 
Thank you for your consideration and attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unresolved disputes with Experian concerning inaccuracies on my credit report, specifically related to XXXX XXXX Account Number : XXXX. Despite filing a dispute with Experian over 30 days ago, I have not received any response or resolution regarding this matter. 

I demand immediate escalation of this investigation to ensure a prompt and satisfactory resolution. It is deeply concerning that Experian has failed to adhere to the mandated timeframe for resolving disputes, as outlined in the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I am troubled by the inconsistencies in reporting by CITICARDS across different credit bureaus. While XXXX reflects no late payments, XXXX and Experian both indicate one 30-day late payment. I insist on receiving documented proof of any late payments before they are verified as such, in accordance with the FCRA. 

This is not the first time I have disputed this matter. Despite multiple attempts to rectify these inaccuracies, they persist. Additionally, CITICARDS has provided three different last activity dates across the credit bureaus, further undermining the reliability of their reporting. 

I demand documented proof of the late payment reported for XX/XX/2022, and the immediate removal of this erroneous account from my credit report. These discrepancies not only violate the FCRA but also have significant implications for my creditworthiness and financial standing. 

I urge the Consumer Financial Protection Bureau to intervene and facilitate the resolution of this matter urgently. Your intervention is crucial in ensuring that Experian and XXXX comply with their obligations under the FCRA and that my rights as a consumer are upheld. 

Attached is proof my identity, proof of the inaccuracies that have been reported to my account and proof of one of the original disputes I filed over 30 days ago. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of this inaccurate information from my credit report. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX TransUnion and XXXX disputing accounts that are in collections on my credit report. It's been over 30 days and I have not received anything in the mail pertaining to the investigation of these accounts. In the comments section suppose to specify that accounts are in dispute. I didn't receive the investigation report. 

According to 15 USC 1681 i ( a ) ( 1 ) ( A ) XXXX TransUnion and XXXX has 30 days to respond to my dispute. Not responding is a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Product: Credit reporting or other personal consumer reports

CREDIT ACCEPTANCE CORP Account number XXXX In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services.

This is a breach of contract and an adverse action for exercising my rights.

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX and they are showing on my credit report as I still owe them I paid them on XX/XX/XXXX they reported on my report as I still owe them and its a charge off. I sent in documents through XXXX  to fix the situation and the still are reporting a balance. They where to take this off my credit report and did not do it.
Product: Checking or savings account

I disputed a {$250.00} transaction with chime to XXXX XXXX because the funds were never received in XXXX XXXX Chime took 2 weeks then denied my claim.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies that are adversely affecting my credit score. These inaccuracies include accounts that I do not recognize or transactions that were incorrectly reported. Attached, you will find a detailed list of the accounts and entries in question.

I am currently in the process of purchasing my first home for my family, and it is critical that my credit report accurately reflects my financial history to ensure fair and favorable mortgage terms. I urge you to review the attached documents thoroughly and remove the inaccurately reported accounts as required by the Fair Credit Reporting Act.

Your prompt attention to this matter will not only help rectify errors on my credit report but also facilitate a significant life eventthe purchase of our family home. I appreciate your immediate action in resolving these discrepancies.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the 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. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. 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 : XXXX XXXX XXXX # XXXX**, XXXX  # XXXX****, XXXX XXXX XXXX XXXX # XXXX**.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost concern to PORSCHE FINANCIAL SRVC regarding my credit report, as documented. It has come to my attention that fraudulent account persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that PORSCHE FINANCIAL SRVC conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : XXXX XXXX : ** XXXX XXXX XXXX XXXX : ** XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bank - mortgage account- too old to be on report ive tried to get it removed XXXX - equifax and XXXX first went delinquent in XXXX - cant stay on XXXX after opened was paid in full due to insurance coverage
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with 3 Credit Bureaus. The incorrect account opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracy. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the account immediately : XXXX XXXX XXXX : {$19000.00}.
Product: Credit card or prepaid card

A second XXXX XXXX account was opened in my name and appeared on my credit report after I paid off one XXXX XXXX account. I am not the owner nor did I open a second card account.
Product: Credit reporting

Notice an paid in full but still open account on my credit report. Called company handling the account and asked if they could send in a request for deletion from my credit report and was given the run around and told that they couldnt do that twice and hung up on once.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source.

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports.

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately.

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

CREDIT COLLECTIONS XXXX XXXX XXXX XXXX MA XXXX : ( XXXX ) XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Class : XXXX  Client Name : Credit Collections Original Amount : {$210.00} I have contacted this company twice, provided proof of payment, and requested they delete this account from my credit report. The date this company is reporting on my credit ishat date. I reached out to Credit Collections by phone, and they XX/XX/XXXX, andalso submitted the details throu I paid before tgh the portal along with the pro said they would investigate the information. I of of payment. This collections agency continues to report to all three credit bureaus that I have an outstanding balance that has already been paid. The company is still indicating a negative balance or has failed to delete this from my account and report the accurate balance to the credit bureaus. I paid this balance prior to the reporting date.
Product: Credit reporting or other personal consumer reports

I WENT TO EXPERIANXXXX SITE TO ORDER MY " FREE '' ANNUAL CREDIT REPORT AND THE EXPERIAN SITE BOMBED ME WITH DOZENS OF CREDIT CARD OFFERS AND OTHER " PAID FOR " OFFERS TO STEAL MORE OF MY MONEY. I HAD TO FIND THE FREE CREDIT REPORT BUTTON AFTER DODGING ALL OF THIER CREDIT CARD OFFERS TO LOWER AND DAMAGE MY XXXX. I FINALLY FOUND THE BUTTON AND CLICKED IT AND IT DIOD NOT GIVE ME MY FREE CREDIT REPORT. THE FREE CREDIT REPORT SEEMS TO BE SOME KIND OF SCAM TO MAKE YOU WADE THROUGH DOZENS OF LOAN AND CREDIT CARD OFFERS. EXPERIAN SHOULD BE SHUT DOWN!!!!!!!
Product: Student loan

Hello I am submitting this complaint as it regards to refund of student loan payments made during the payment pause. I have submitted a refund request through Aidvantage on XX/XX/XXXX for the refund amount of {$8300.00} that was made during the payment pause. Initially I was met with a very helpful lady ( XXXX ) that sent in an expediated request and was told that it would take 4-6 weeks to receive a refund. She was doing this for me as I had already submitted a refund request with my previous servicer XXXX XXXX on XX/XX/XXXX but that was not completed prior to being transferred to Aidvantage. After the 4-6 week time frame had passed I contacted Aidvantage again for an update and was told it would take 6-8 weeks from the time the refund was approved through Aidvantage to receive a check from the Treasury Dept. I was given the date of XX/XX/XXXX as the date it was approved. It has since been over the 6-8 week timeframe yet again and I would like to get clear clarification on where my refund is. I have remained patient throughout this process but have now waited 6 months ( 3 with XXXX servicing/ 3 with Aidvantage ) I need an update immediately thank you.