23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The below is every effort I have made from XX/XX/XXXX until present XX/XX/XXXX. 
I contacted Mr. Cooper via chat on XX/XX/XXXX at XXXX and was connected to XXXX ( Arizona XXXX due to logging in to pay my mortgage and noticed that it stated that I owed money due to an escrow analysis on XX/XX/XXXX and was short {$340.00}. So I was looking to get more information regarding this and she was to send my account to be updated and corrected stating thats the escrow account will alter and update to reflect that I am not escrowed for insurance, case # XXXX. I was asking her to also mark my account so that I am not penalized for Mr. Coopers error and she disconnected the conversation. Called in spoke to XXXX who then transferred me to XXXX who I re explained everything to and was going to be reaching out as she said my account was marked as I owned a condo, which I own a single family home so she was going to send a ticket and I would receive an email within 7-15 days ref # XXXX. Also asked XXXX to mark my account so I do not get penalized or have the amount change due to this error and she said she would. I explained I would pay the amount I owed in full ( if I owed ) once this all has been resolved. Waited the allowed days, never received an email or phone call and my account online now showed my payment jumped due to not paying the escrow analysis in full which I had asked not to happen. Called on XX/XX/XXXX at XXXX spoke to XXXX who hung up on me, called back spoke to XXXX who transferred me to escalations- XXXX at XXXX XXXX  who I explained everything to informed me of the break down, re explained the situation then mentioned about the condo and not a single family home and he said nothing said I needed to speak to the insurance department then he disconnected the call instead of transferring. Called back to the insurance department, XXXX XXXX Texas ) at XXXX XXXX  she informed me on XX/XX/XXXX Mr. Cooper cancelled the condo on my account and updated it to the single family home. She was reaching out to get more information regarding why my insurance was being escrowed when I pay XXXX directly every 6 months due to being told when I got my mortgage loan I was not able to have it combined. To have the escrow analysis redone due to Mr. Coopers error, what I would owe for the escrow analysis, if anything and what my new mortgage payment ( if it even changed ) would be. XXXX stated she would call me back with an update later that day, XX/XX/XXXX but never called back. I did receive an email from XXXX XXXX XXXX XXXX XXXX XXXX who I reached out to on XX/XX/XXXX, I had sent her an email at XXXX regarding my last conversation with XXXX and was looking for an update/ information. Did not get a response so I emailed XXXX again on XX/XX/XXXX and still no response back from XXXX. On XX/XX/XXXX I submitted a ticket on Mr. Cooper along with a form to submit a formal complaint to Mr. Cooper that was emailed to XXXX with zero response and for the ticket I had submitted a basic response without resolving me issues or concerns. On XX/XX/XXXX I had sent another email to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2006 the consumer report is reporting outdated negative information. More than 7 years old. I was unaware of that charge until this year and I never had a problem with my background check. I don't understand this company Sterling Talent Solutions Keep reporting this problem. Which is hindering mean from employment. I'm understanding This was tried in my absence and I was not aware of this.
Product: Credit card or prepaid card

The XXXX XXXX  stated that the benefit card was used at the TD Bank XXXX  3 imes between XX/XX/XXXX and XX/XX/XXXX. It was used on XX/XX/XXXX at a store at XXXX XXXX XXXX XXXX. XX/XX/XXXX It was used at an ATM at XXXX XXXX XXXX XXXX. XX/XX/XXXX it was used at XXXX XXXX XXXX, XXXX. On XX/XX/XXXX it was used at a Parking lot at XXXX  XXXX and at a gas station on XXXX XXXX.
Product: Debt collection

Failure to provide validation. On XXXX, I sent the company a demand for validation for the reference account they had reported on my credit report They failed to respond back without any contractual agreement or statements from the original creditor and continued reporting the account on my credit report. At the same time they verified the account as a valid account when I disputed it with the credit bureau instead of notifying the credit bureaus to have them mark the item as disputed, as required by law, thereby violating the FDCPA. This is a fine, punishable in court with punitive damages of {$1000.00}.
Product: Mortgage

I believe my lender BMO Harris has incorrectly added excessive reserves to my escrow account and refuses to refund the excess stating the formula used to determine how much they can maintain over and above the amount required to pay property taxes is correct. 
I have contacted the their escrow department regarding this and they stated they are correct and within regulations, I however disagree.
Product: Money transfers

I was scammed into sending money for a XXXX bonus winnings randomly selected and the number they use is XXXX XXXX XXXX XXXX XXXX, New York XXXX and the phone number is ( XXXX ) XXXX
Product: Checking or savings account

I filled out a form online for Beneficiary Required Minimum Distribution Service. The copy they emailed back to me was incorrect. They refused to fixed it when I called to report the error. They are supposed to have 24/7 customer service, but said I have to call back another day to cancel the form and start all over. I am traveling and don't have time for this. I have already wasted an hour of my time online and by phone with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wife and I wrote to Equifax, to make the aware that there were errors on our credit report. We identified the errors that were reporting for each of us, and asked them to conduct investigations. Our understanding was that we should expect a response within a month. It has been nearly two months, and neither of us have received anything in the mail from Equifax.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, a financial services provider, for their ongoing failure to correct inaccurate information they have reported to the credit bureaus regarding my account ( Account ending in XXXX ). 

Since XX/XX/XXXX, I have been in contact with XXXX regarding discrepancies in my credit report. Despite multiple communications and confirmations from XXXX that my payment history is clean and reflects no late payments, all three major credit bureaus ( XXXX, Equifax, and XXXX ) continue to report erroneous late payments. These inaccuracies are negatively impacting my credit score and are severely hindering my ability to secure a mortgage. 

Here is a summary of the situation : - On multiple occasions, XXXX has confirmed that their records show no late payments on my account. Despite this, the credit bureaus are reporting the following inaccuracies : - XXXX  : XXXX late payment - XX/XX/XXXX- Equifax : XXXX late payment - XX/XX/XXXX - XXXX  : XXXX late XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX- I have repeatedly requested XXXX to correct these inaccuracies with the credit bureaus, but they have failed to do so. Most recently, on XX/XX/XXXX, XXXX responded that they do not find any errors on their part and are unable to change the credit reporting. 

This failure to correct the inaccuracies is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, under Section 623 ( a ) ( 1 ) ( A ) of the FCRA, XXXX is obligated not to furnish information to credit bureaus if they know or have reasonable cause to believe that the information is inaccurate. Additionally, Section 623 ( a ) ( 2 ) requires that they promptly correct and update information to ensure its accuracy. 

Given XXXX 's refusal to correct these errors despite being aware of them, I believe that their actions are not only negligent but also in direct violation of federal law. This has caused significant harm to my credit standing and has placed undue stress on my financial situation. 

I respectfully request that the CFPB intervene in this matter to compel XXXX to correct the inaccurate information they have reported to the credit bureaus. I would also like to request an investigation into XXXX 's practices regarding credit reporting to ensure compliance with the FCRA. 

Please find attached copies of my correspondence with XXXX and screenshots of the incorrect credit report entries for your review. 

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue and protecting my rights as a consumer.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Monterey Collection service is refusing to remove a collection item from my XXXX Credit Report in the amount of {$43000.00} for a debt which was cancelled by XXXX XXXX XXXX in XX/XX/XXXX. The cancellation letter clearly states that XXXX XXXX is relieving me from the debt. Multiple disputes have been filed in the months of XXXX and XXXX of XXXX with XXXX and Monterey Collection service still claims the reported item is accurate. I need this item to be removed from my credit report as the debt was forgiven by XXXX XXXX XXXX who is the original vendor. all objective evidence is attached.
Product: Debt collection

I was put on file for XXXX services that I had not received and owe more than a XXXX for services I had not received or requested.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX  on XX/XX/XXXX XXXX XXXX account XXXX XXXX, a personal loan account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account XXXX XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$430.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card representative promised that if I settled both accounts, that they would delete the account entirely from my credit report. Due to COVID-19 ramifications, it was very hard to come up with that money. XXXX XXXX did not keep their promise which they proposed as the accounts are still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking 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 mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX 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 XXXXXX/XX/2023
Product: Mortgage

Hello, my name is XXXX XXXX. I've sent XXXX complaints through CFPB, dealing with Selene Finance , about different issues. I got behind on my mortgage due to XXXX. I contracted the virus, lost XXXX years of income, applied for assistance, modified the loan once, and was denied a second time, even though I was approved for a $ XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX would have paid up all of the loan rears if Selene Finance had approved a modification, which they did not ..., therefore, I lost the grant opportunity. 

Selene tried to foreclose on my home, and I was forced to file XXXX XXXX XXXX XXXX of this year. I have been actively trying to sell the home to investors, since contractors caused structural damage to my home in XXXX. I've been trying to repair the home so it can be sold. I now have an investor interested in the property, and I requested a payoff quote 3 times by phone and via email, of which I have not received. I need Selene Finance to provide my payoff quote as soon as possible. I was told by customer service that it has been emailed, but it was never received. I have someone coming to make an offer on Tuesday, XX/XX/year>, and I need my payoff amount so I can negotiate the sale to pay off my loan. XXXX is making this process very difficult for me. I have been honestly trying to get the property back in shape so I can sell for a fair price to investors, considering the structural compromise remaining. 

I have a bankruptcy attorneyXXXX XXXX XXXX XXXX, that was hired to file the bankruptcy and advise pertaining to my case. I have emailed her numerous times and getting no response for her. Since she's listed as the bankruptcy attorney ..., I tried contacting her to ask if she received my payoff quote for the mortgage company. She is not responding, after XXXX attempts. Please have the mortgage company send my information as requested. 
Thank you for your help..., XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request consideration for a payment check as part of any restitution or relief provided following the CFPBs recent lawsuit against Experian for their violations of the Fair Credit Reporting Act ( FCRA ). My experience as a consumer demonstrates the harm caused by Experians failure to meet their obligations under the law, and this harm has had devastating effects on my life and that of my children.

Specifically, Experian has violated provisions of 15 U.S.C. 1681i of the FCRA, which requires consumer reporting agencies to : Conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of information in their credit file.

Communicate disputed information to furnishers and update their records with accurate information.

Despite my numerous disputes regarding false and inaccurate information on my credit report, Experian failed to reasonably reinvestigate the matter or ensure the accuracy and completeness of the information furnished. As a result, false negative marks remain on my credit report, causing me severe financial hardship.

Here is the direct impact Experians violations have had on my life : I am unable to qualify for a mortgage to purchase a new home for myself and my children, despite being in a position to do so financially if my credit report were accurate.

My current lease is about to end, and I am now at risk of homelessness due to Experians continued reporting of inaccurate information.

The financial hardship caused by Experians actions has significantly strained my ability to provide for my children and maintain stability during this critical time.

These consequences are a direct result of Experians failure to comply with their legal obligations under the FCRA. While I am pleased to see the CFPB taking action against Experian, I believe that consumers like me, who have been severely impacted by their violations, should be entitled to restitution.

I respectfully request that my situation be considered in the CFPBs efforts to provide relief to consumers harmed by Experians unlawful practices. The financial and emotional toll this situation has caused for me and my family is immeasurable, and restitution would provide much-needed assistance as we attempt to recover from the damage Experians actions have caused.

Thank you for your attention to this matter, and I look forward to hearing from you regarding next steps. 

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

This account was charged off on the following date : XX/XX/2024 Since then the account has repeatedly been updated as charged off evely month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I recently closed a mortgage loan with Freedom Mortgage on XX/XX/year> and subsequentially sent them my XXXX payment. Within the last week I received a letter and billing statement from XXXX XXXX XXXX  stating that my mortgage loan had been transferred to them. Since I didn't receive a notice of transfer from Freedom Mortgage, I called them to confirm that my loan had been transferred and was told by three different people within Freedom Mortgage that they still own and service my mortgage and all payments should be sent to Freedom Mortgage. After researching XXXX XXXX XXXX, since I had never heard of them, I call and talked to some one and they informed me that they now owned and service my mortgage and therefore all payments should be sent to XXXX XXXX XXXX. Since I close my loan with Freedom Mortgage a file a fraud complaint on XX/XX/XXXX and was told it would be resolved within 48 hours. I received a message today stating that they are researching the issues and should have their research completed by XX/XX/XXXX ; This response is unacceptable, either they still hold my mortgage or they don't. I have a mortgage payment due on XX/XX/XXXX and if this is not resolved, I am not sure who to send my payment to which could have a negative impact on my credit.
Product: Credit card or prepaid card

Amazon XXXX Synchrony card number XXXX XXXX XXXX XXXX I never received any bill, no online access to pay my bills yet I did pay it off in full. 
Moreover inaccurate info has been reported by the company to the 3 credit bureaus.
Product: Credit card

While traveling in the XXXX on XX/XX/2023 I was overcharged by a taxi service called XXXX XXXX. For what should have been a {$32.00} taxi ride I was charged over {$2400.00}. The taxi driver inserted my card into the reader multiple times and claimed that the card was being declined. He refused to give me a receipt and became irate when I questioned him. I did not feel safe. Two days later the charges showed up on my app and I immediately reached out to Bank of America. They said I would need to dispute the charges which I did. I was told that since I willingly handed my card to the merchant, I am responsible for the charges. They said it was not fraud. I have called the bank many times and appealed their decision. I have written them letters and have gotten nowhere. They said I am responsible to pay. I used the credit card for this reason so that I am protected against fraud or theft. I have banked with them for over 25 years, no one will listen to me. They said their lawyers make the decision. Please help me appeal this. They said if I had reported the card stolen I would have been protected against these charges. I did not give this merchant permission to charge me {$2000.00}. It is just like he stole from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also following this XXXX lawsuit I have several accounts and items that are inaccurate and misleading that needs to be removed.
Product: Checking or savings account

A transaction for {$2300.00} was deducted by XXXX XXXX XXXX on XX/XX/18 for services that were not delivered. The company, XXXX XXXX, refunded {$650.00} of those charges and still owe the remaining balance deposit. After failed request ( s ) to reimburse the remain balance of {$1600.00} a complaint was filed with Huntington Bank to dispute the charges and obtain a refund as afforded by XXXX XXXX  consumer right to obtain a refund for " services not delivered ''. However Huntington denied the claimed based on " buyers remorse '' which was not the nature of the original complaint. Upon speaking with a representative at Huntington Bank, they resubmitted the dispute based on the actual stated reason " services not delivered '' and within 24 hours again denied the claim based on " buyers remorse. '' Huntington Bank is ignoring the reason for the complaint continually and inaccurately reporting the disputed reason as " buyers remorse. ''
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX