23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Over the past four plus years I have filed 6 mortgage related complaints about the servicing of my mortgage by Wells Fargo and XXXX. All of these complaints have followed the same course in that the XXXX forwards them to the named corporation, they respond by saying they did nothing wrong, I reply with my feedback and the case is closed. Seeing that the XXXX is the enforcement agency when it comes to violations of mortgage laws and regulations, I would like to know how or when is it enforced other then compiling a list of complaints submitted by consumers and if enough complaints are received about a specific corporation an investigation is conducted and fines are administered. How is this considered enforcement when nothing is done to stop, as in my case, the continuation these violations while they are occuring resulting in the illegal foreclosure continuing until the home is lost? As it is now it would be like calling the fire company when your catches on fire and being told that they will be there once its done burning. Does not do much to help after the fact. All this has done is to allow the mortgage companies do as they please. As in my case where the initial filing of foreclosure violated the Dual Tracking law, mis handling of escrow funds, fraudulent theft of escrow funds, two years of deceit and incorrect amounts charged to the account as it was transferred to XXXX in XXXX of 2021. The continuation of foreclosre while in an 18 month forbearance with documents stating it was in forbearance and no foreclosure activity would take place to include the violation of servicing requirements for a VA backed loan. Even after reporting this to the XXXX, hiring an attorney, going to court only to find the judge not knowing these laws, I am now faced with a new sell date. Would you please explain how this is enforcement of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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

During sometime back in XXXX of XXXX I believe I became a victim of identity theft. Someone may have stolen all of my personal information and from that point they began to open up credit cards and receive financial assistance in my name without my acknowledgement! All this was going on without my knowledge for a total of about 6 years. On about XXXX  I decided to apply for and open up credit accounts for myself and this is when I found out that I was a victim of identity theft. I immediately contacted all three credit bureaus and reported the fraud. I sent in all needed documents to verify that it was not me. I have also blocked anything from my report without my knowledge. The account is listed as XXXX XXXX  XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I sent a letter to Experian letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Experian has not removed the accounts and have sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus. The information that has been reported has been due to identity theft and has already been investigated however, Experian is neglecting to delete these items from my credit report.
Product: Mortgage

Nationstar Mortgage took over my loan in XXXX and they have been misrepresenting the accounting on this mortgage since they took over. They have been unable or unwilling to provide me with a detailed accounting of the escrow account and they have continued to add fees and charges to the account. Their records now show a past due amount of {$5700.00} on the loan despite all payments have been current since XXXX when they took over. 

One of the problems is that they purchased an insurance policy in XXXX when the home already had a policy in force and they charged the escrow account. They have also incorrectly posted payments in the account to the wrong months. I have been trying to resolve this with Nationstar since XXXX through calls and emails and they will not provide me with any customer support. They continue to transfer my calls to a call center in XXXX and the representatives can not assist me with these issues and do not understand the escrow accounting. I am now under contract to sell this home and want to resolve this before the loan is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account 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  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: Mortgage

I had a maturity date of loan XX/XX/2019. Boa want to pay me full amount of {$40000.00}. 
They dont want to make any payment plan, modification or refinance because i had a BK in past. 
My maturity date is past due 90 days a d now they want to foreclose my house on XXXX XXXX. 

I have XXXX kids i waana keep house and wan na make monthly payment and i can afford but not the total amount of XXXX at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to get proven fraud inquiries removed from my credit file. Police and the actual entity agreed it was not mine and pulled my credit from ID theft and not me. Transunion refuses to remove these inquiries even after 30 days and more up to 10 months. Force Transunion to obey the FCRA and remove these inquiries. I will list those in this complaint. But they were done with a different name and a different address that is proven to be fraudulent yet Transunion will not remove them. These inquiries were not permissible I did not give permission yet that is why they are keeping them on my credit file their claim is they were permissible. Yet every entity says they do not have any permissible inquiries in their system from me and Transunion continues to refuse to remove them.
Product: Credit card or prepaid card

PNC Bank Fraudulently charged me {$2000.00} on my credit report. The credit card I had only had a {$500.00} limit on it. It was paid in full and closed for at least 3 years ago. Then PNC Bank Sold This Account to another lender. Who has now also put me in collections for this. 
PNC has been sued for passing accounts like this. In fact I'm in process of joining the Class Action SuiXXXX Against them.
Product: Credit reporting or other personal consumer reports

NOTICED UNAUTHORIZED INQUIRES MADE ON XXXX REPORT XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX WASNT ME I WILL BE DISPUTING THROUGH BUREU. AS WELL
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Immediately In Accordance with North Carolina FCRA and Identity Theft Laws Dear MILITARY STAR, I am compelled to address a serious violation concerning the unauthorized inclusion of information on my credit report, as per the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and North Carolina identity theft laws, notably North Carolina General Statutes Chapter 75, Article 2A.

It has come to my attention that MILITARY STAR has engaged in unauthorized credit reporting without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly requires consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, North Carolina state law, specifically North Carolina General Statutes Chapter 75, Article 2A, emphasizes the necessity of consumer consent for credit reporting. This statute establishes clear guidelines for fair credit reporting practices and highlights the severity of unauthorized access and misuse of personal information. 

I assert unequivocally that I have not provided consent for MILITARY STAR to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights and potentially damages my creditworthiness, in clear violation of federal and state laws. 

I demand, with certainty, that MILITARY STAR immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and North Carolina General Statutes Chapter 75, Article 2A. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including North Carolina identity theft laws. 

I emphasize that obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is not negotiable ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MILITARY STAR will promptly rectify these violations, respecting my rights under federal and state laws.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXXXXXX XXXX shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated as a consumer. I sent multiple letters off to XXXX, Equifax XXXX XXXX about this matter and nobody is doing anything about it. The last letter I sent to all three reporting agencies was XX/XX/2023. I was disputing incorrect information that was put on my credit without my consent continuously and repeatedly. All of this without my consent. I never got a letter. If I did it was dated 30 or more day before I received it. So, I wrote dispute letters to XXXX, Equifax XXXX XXXX using the following laws. 15 US Code 1681 b, 15 US Code 1681 c-1 & 15 US Code 1681 c-2. They won't correct the misspelled names or addresses or respect the law. Please help me this is becoming a big inconvenience because I am trying to buy a home. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This submission is NOT from a third party. I XXXX XXXX the natural person and consumer sent a letter to EXPERIAN On XXXX once again informing them they were reporting misleading fraudulent accounts on my consumer report. They received it on XXXX & have 7 days upon receipt to send me my deletion request.

Pursuant to 15 USC 1681a ( 4 ), EXPERIAN is currently in VIOLATION as a consumer reporting agency for not exercising their grave responsibilities of reporting information with fairness, impartiality, and a respect for consumer privacy. They lack impartiality & fairness by continuing to report DISPUTED transactions on my consumer report. The violation continues by not respecting my right to privacy as a consumer by reporting information solely as to transactions/experiences involved by the person creating the report and I the consumer as stated in 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ).

In conclusion Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) Consumer reports EXCLUDE any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I didnt give anyone authorization to furnish a report on me involving the extensions of credit Im disputing.

I dont consent to the fraud taken place. Im being violated and my rights as a federally protected consumer are being taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts are the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX # XXXX has XXXX my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/year> I reached out to Bank of America estate department following my fathers death. My father had me listed under my married name ( XXXX XXXX XXXX as a POD on his CD and checking/savings. 
I immediately provided them with all requested documents ( death certificate, marriage certificate, beneficiary designation letter ). 
I requested expedited service of my fathers accounts ( close them and mail a check to me ) due to financial hardship related to my fathers estate. 
They have been telling me for 7 days that this was approved, then that it needed another level of approval, then that approval was pending, should be done, is done and is now back to pending. 
I have literally begged for help and can not get transferred to anyone that is not a front line customer service worker. 
I have been told XXXX ( XXXX ) times that someone will call me within 24 hours and that has yet to happen. 
They are holding close to a quarter of a XXXX dollars ( XXXX in saving and XXXX in CD ) of my fathers money and making me call and beg for the money. 
It is cruel and humiliating on top of being a constant reminder that my father is dead. 
Their failure to give me the money they owe me has caused my fathers insurance on his house to lapse, we are accruing interest on what we owe for his funeral and to top it off his dog needs major medical intervention that I can not find on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and USAA Savings Bank and XXXX. The Account Opened is USAA Savings Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is USAA Savings Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Debt collection

On XXXX/XXXX/16 I made a payment by phone to " XXXX XXXX '' of " XXXX XXXX XXXX XXXX '' in amount of {$340.00} -- payment in full for medical date of service XXXX/XXXX/16. This account was paid IN FULL and was NOT PAST DUE. On XXXX/XXXX/16 I received a " transmittal notice '' from " Transworld Systems , Inc. '' stating my account had been submitted for collections due to nonpayment. I have verified with my bank that the payment was successful on XXXX/XXXX/16. The hospital has erred and should have never referred this account for collection. I have left several messages for the hospital 's billing office ( XXXX/XXXX/16 ).
Product: Credit reporting or other personal consumer reports

Consumer was notified that in XX/XX/XXXX, a home equity line of credit was opened in her name under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Consumer was notified in XX/XX/XXXX, a mortgage loan was opened in her name under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for an amount of $ XXXX $ XXXX. 

Consumer was notified that a home equity line of credit was opened in her name around XX/XX/XXXX with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Consumer was notified in XX/XX/XXXX, a mortgage loan was opened in her name under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an amount of $ XXXX $ XXXX. 

Consumer was notified a mortgage loan was opened in XX/XX/XXXX in her name under XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX was notified a mortgage loan ( unknown company ) was opened in or around XX/XX/XXXX with monthly payments of $ XXXX {$1300.00}. 

XXXX was notified a mortgage loan ( unknown company ) was opened in her name around XX/XX/XXXX with a payment of $ XXXX {$2300.00}. 

Consumer was notified of retail credit cards in her name for XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Consumer was notified that a mortgage loan was opened in her name in XX/XX/XXXX belonging to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX was notified an auto loan/lease was opened in her name in XX/XX/XXXX with monthly payments around $ XXXX $ XXXX. 

Numerous unknown addresses have also been reported ( photo attached ). 

NO AUTO/MORTGAGE ACCOUNTS NOR CREDIT ACCOUNTS BELONG TO CONSUMER XXXX XXXX XXXX AND XXXX IDENTITY THEFT/FRAUD NEEDING IMMEDIATE INVESTIGATION. 

CONSUMER CONTINUES TO GET NOTIFICATIONS ABOUT DARK WEB DATA BREACHES AND CAN NOT LOCK HER SOCIAL SECURITY DUE TO THIS MASSIVE IDENTITY THEFT UTILIZING CONSUMER 'S NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I believe to be an inaccurate reporting on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX I am confident that this is an error and wish to formally dispute it, hoping you can assist me in this matter. 

The issue pertains to a lease account that I had with XXXX. Throughout the course of the lease, I consistently made my payments on time, ensuring my financial responsibility was upheld. However, it has come to my attention that XXXX reported negatively against my credit report, which, given my payment history, I believe to be erroneous. 

To further complicate matters, XXXX delayed in closing my lease account by a month, even after I had settled the final bill. This delay, coupled with the inaccurate reporting, is having an unjustly adverse effect on my credit score, which I am earnestly trying to maintain in good standing. 

I wish to emphasize that I have always upheld my financial obligations with due diligence, and this can be validated by my payment history. I have receipts and bank statements to demonstrate that I made payments on time, and I am prepared to provide these as evidence if required. Furthermore, the payment for the final bill was made promptly, and I have documentation to verify this too. 

The misreporting by XXXX has caused me undue stress and financial hardship as it directly affects my creditworthiness. I believe this issue may simply be an administrative error or oversight, but its impact is far from trivial. 

Given the evident discrepancy, I kindly request that the CFPB intervene and assist in rectifying this issue. The inaccurate information should be removed from my credit report, the account should be marked as closed, and my credit score should be corrected to reflect my actual credit history. 

I appreciate your immediate attention to this matter and am hopeful for a resolution that aligns with the factual information. I believe in the fairness and efficiency of the CFPB and trust that you will handle this situation with the utmost care and urgency. 

Thank you for your time and consideration. 

Sincerely,