23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I found out theres a collection item showed on my credit report with Equifax when I was getting a mortgage from the bank. I had to postpone the closing due to the mismatch info. I contacted Equifax right away and agent helped me start the dispute process. I was told it took 15-20 business days to resolve. During the time, I tried to call several time to seek help to accelerate the process as I had to pay high interest for the delay of closing the mortgage. They confirmed the latest date I should receive a final solution is XX/XX/XXXX. Now is XX/XX/XXXX, Ive got nth from them. I had to call another three time. Every time I got different answers regarding the timeframe I would expect for the solution. Firstly, its totally over the timeline they promised. Secondly, It seems all agents goal is to get customer off the phone, other than listen and resolve the problem. I understand it might not be out of their hands for those who picked up customer calls to resolve a credit profile. But as a big organization, they should have certain procedures to deal with urgent case like this. Every single day they delay resolving problem, I have to pay high interest. ( 9.15 % as of XXXX XXXX ). Not to mention it was XXXX fault to have mismatch info on my credit file. The dispute its about a hospital bill which I never been there. I provided my health card which show proof my medical history that I never been to that hospital. I was told who owned the bill probably just had similar name as mine. Im super upset for the whole process and want to have Equifax to fix their problem asapcomplaint file yesterday. But the response I get is company will give final response within 60 days, which is ridiculous. Equifax agent told me the collection is from a company named collection network, which I believe No long existed. They just sent request to this ghost company which will never respond. They could have confirmed with the hospital if I as a customer ever visit their by checking medical record. It should be a easy fix, if anyone from Equifax really cares about people and find a real way to solve the problem. I file a complaint yesterday but the response I receive its the same as every single agent on the phone working on the issue. Its unacceptable as you cant just tell people to wait infinitely. Im pretty sure if someone really escalate the case it could have been resolved long time ago. I might be homeless anytime soon if I dont get this mortgage application done asap. I have great credit and minimal liability, but due to Equifax original mistake that to put someone elses debt into my profile. I cant have my mortgage done. Interest increase again, really money consequences as of 9.65 % interest rate to me now. Dont tell me to wait again, just take action.
Product: Debt collection

Notice to Agent is notice to principal notice to principal is notice to agent. On XX/XX/2024 you received my dispute regarding your attempt to collect a debt furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!! I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? Furthermore lets take a look at 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 is mailed or delivered to the consumer not later than 21 days before section 1637 ( b ) of this title the payment due date. I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy. What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date. The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore, this process must be certified by an agent that the information is accurate. I am requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you have fraudulently verified an account without a reasonable procedure as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnin LLC, XXXX XXXX, Violates my given Rights in reports, an refused to remove, Reinvestigate a dispute Request about Entire Public Records Section, displaying BOGOS Unverified Bankruptcies, Incorrect reporting. Dates, case numbers, amounts, and court info is wrong. Asked for Method Of Verification, They did not give me how/ who furnished the information. MY right under Section 609 states I have a right to know provided information, they told me I dont have that Right and its not a Law. ALL Public Records Items Were Not 100 % Verified with the actual Data Furnisher- the Courts, in which i provided documentation from the Courts is included. This is Defamation of Character and also violated/ continues to Violate my Rights under FCRA and FTC , CFPB which they choose to Buy & purchase inaccurate information that Was Not Completely Verified. I ASKED AND BY law to Remove said information in Public Records Section concerning Bogos wrong inaccurate Bankruptcy cases. Documentation provided from which they told me they Verified with below XXXX website and letter states XXXX  XXXX, no bankruptcies are on my XXXX XXXX, Transunion said Court Clerks themselves, Court furnished me letters & said They Don't Verify with CRAs and its online. Well online is full of Fraud and Bogo information and victim of Identity theft already, keep using inaccurate unverified online platforms or a 3rd party to gather is in Direct Violation of my Rights and Breaking the Law.
Product: Credit card or prepaid card

I have a XXXX XXXX Credit Card. I am a very active user with the credit card and with Barclays Bank. Last year before signing up I asked a representative if XXXX & Barclays Bank would offer a bigger sign up bonus for the credit card. The answer was no! I find out that as a new customer I was being treated like cattle and lied to! One year after my signed up bonus XXXX increase the sign up bonus by XXXX points. Now I didnt need the credit card, but only signed up due to the representative and supervisors advice. Poor practice on Barclays part as the representative should have told me upfront there could have been a bigger sign up bonus in the future. Its fair to say Im just a bit upset here and I plan to fight for my XXXX extra points. Its not right to have Barclays or a third party travel service hired by Barclays Bank change their minds about sign up bonus and misleading consumers. Due to Barclayss own negiligence of the credit card program for XXXX XXXX I ended up getting screwed miles, which I can easily go on XXXX flights. I am a new customer for Barclays, but I will close my XXXX XXXX XXXX account and go to Barclayss competitors. Very disappointed with how this issue is being played out.
Product: Debt collection

The company was rather aggressive when they called to collect on the debt. I told them I would pay nothing to someone who called me but that I would pay based on mailed communication after verifying with original creditor that the debt is valid. Turned out it was. When I called in to make the payment the debt collector had added interest to the debt. The letter was dated XX/XX/2023 for {$130.00} but then I received a second invoice dated 5 days later, XX/XX/2023 with an additional interest charge of {$18.00}. Is it even legal for a debt collector to add charge interest? Is it legal to apply an interest charge of something like XXXX XXXX to the original debt? I went ahead and made the payment as I am trying to keep my credit as clean as possible as we are in the process of buying our first home. But this does not seem ethical and the practice can break the bank for someone. The collection agency is America Profit Recovery, phone XXXX. The invoice indicates XXXX XXXX XXXX number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Im XXXX someone used my name and personal information to open a XXXX XXXX  account I did not find out until mid XXXX when I was declined for mortgage
Product: Credit card

I was sent an unsolicited card from credit karma. I called multiple times and have emailed multiple times. I want to know 1 ) if they sent me an unsolicited credit card and 2 ) if not, what information was required to open the account, when it was opened and what method was used to open it ( call, online app, etc ). They continue to request my social security number in order to offer me answers. I feel they should provide me with the non-identifying information I have requested about the account the opened under my name. They will not respond to any questions.
Product: Debt collection

XXXX XXXX  has made several payment agreements with regard to XXXX XXXX. On XX/XX/XXXX we received 4 voicemails and several emails requesting a call back. This far exceeds and acceptable number of calls in a day and is deemed as harassment. Our payment specialist was out of the office. Upon return on XX/XX/XXXX XXXX XXXX returned the call to XXXX promptly at XXXX CST. XXXX became verbally aggressive nearly immediately. XXXX stated that she was not with a collection agency that she is part of a law firm and that if the next payment was not made she was going after Mr. XXXX personally. In further emails, which are attached it is stated that the FDCPA is not relative to her efforts. Deeming her several calls a day acceptable The problem with this is that the attorneys office is in fact acting as a debt collector, hence the reason for the mini miranda on the transfer service. As well as on the emails sent over from XXXX. Misrepresentation is wrong. Calling that many times in one day ( excessive ringing and several voicemails ) is also deemed harassment. Then intent of the initial call to XXXX from XXXX was to renegotiate the terms as $ XXXX per month is just too much. While XXXX XXXX  is willing to make payment it has to be an amount that allows for the company to afford overhead to keep jobs going. Please understand that calling and saying that this is personal as it has a personal guarantor makes it personal with regard to collection efforts. 

I am attaching documentation of the correspondence in the last 2 days. 

Attaching email documentation as well as documentation from voicemails left which say comcast Voicemail- I do not have the ability to alter this.
Product: Mortgage

I have contacted Mr. Cooper seven times, talking to multiple people, spending hours on the phone and each time my request is escalated to a department that would ultimately handle my concern. Rinse and repeat each time because my concern does not get handled and I never hear back from anyone. 

Mr. Cooper shows that I have an arrearage amount owed and all I need to know is what the arrearage is made up of. Its not missed mortgage payments or escrow balances because my payment records reconcile with Mr. Cooper payment records ; yet no one can tell me what the arrearage is regarding. Seems simple enough but good luck trying to get an answer. As of today, I have mailed a letter to the CEO and SVP of Mr. Cooper regarding my concerns. Here are the dates, times, and names of people I have talked with. 

XX/XX/XXXX - spoke with XXXX from Arizona at Mr. Cooper. She shows that we are current and up to date and only owing XXXX mortgage payment. She will resend info to escalation team. 
XX/XX/XXXX - spoke with XXXX from Mr. Cooper and states that only balanced owed is current month, XXXX mortgage payment. I asked to be transferred to the escalation team and spoke with XXXX ( sp? ), she said she does not know why we are being asked about this past due balance because she shows that payments made to Mr. Cooper took care of that past due balance. She will send info to research team and get back with me. 
XX/XX/XXXX - spoke with XXXX from Arizona at Mr. Cooper and states that only balance owed is current month, XX/XX/2021 and could not assist. She transferred me to an escalation team and she transferred me to XXXX  ( sp? ) who said the same thing and would send my info to a research team. 
XX/XX/XXXX - spoke with XXXX from Arizona. Reviewed my information, could not figure it out and ended up transferring me again to an escalation team. Transferred me to XXXX who could not figure it out either and would send my request to a research team again for further review.
Product: Credit reporting or other personal consumer reports

I've tried multiple times to address fraudulent, inaccurate, and misleading information on my consumer report, but the issue persists. These items have severely affected my life, causing considerable XXXX XXXX XXXX I want to emphasize that I never authorized or consented to this information being associated with my name, as I'm a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/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

The credit reporting is very inaccurate. The account has been closed back in 2018 and it still shows the payment OK status which is wrong.
Product: Credit card or prepaid card

I applied for a Capital One Venture XXXX card. I have had a Venture card from Capital One for many years and have outstanding credit. The process Capital One put me through was so difficult and so intrusive that I gave up. I first had a XXXX call with a member of the Capital One application fraud area, in which they sent me a link to provide a picture of the driver 's license, which I did and was told by the representative they got it and no further action was needed. I then received a letter from Capital One saying I had to mail or FAX an image of my driver 's license, and confirm my social security number and home address. I could only be mailed or sent by FAX. I did so. 

A few days later, I was informed that the letter was incorrect and I had to send a copy of my original social security card. After several calls assuring that this was a legitimate Capital One request and not a fraud, I mailed the copy of the SSN card.

I was then informed that the mailed image of my driver 's license wasn't good enough for them, and I would have to mail it again. At that point I withdrew my application. 

I have never been asked to provide a copy of my social security card, let alone having to send this information only by mail or FAX, and it was especially galling given I had already given them my license image electronically ( which they claim to have lost ). This practice is abuse and unreasonable.
Product: Vehicle loan or lease

ALLY, the lender, refused to release MY title, the car was paid off XX/XX/2020
Product: Mortgage

A complaint not being only submitted to this request under the TILA AND RESPA AND QUALIFIED WRITTEN REQUEST FOR ALL INFORMATION REGARDING THE ACCOUNT AND ALL FEES AND PAYMENTS MADE AS TO THE TRANSFER DATE OF THE LOAN FROM XXXX XXXX  XXXX XXXXXXXX XXXX  TO THE CURRENT XXXXXXXX XXXX XXXX SPECIALIZED LOAN SERVICING. THUS THE AMOUNT PAID AND ALL FEES CHARGED WITH ALL REASONS AS TO THE CHARGES AND FURTHER THE DEBT WHICH WAS DISCHARGED AMOUNT AS ON THE LETTER RECEIVED RECENLTY AS TO THE PAYMENT AND STATEMENT THAT WAS NOT TO BE SENT AND NOT KNOWN THE DEBT FOR THE BANKRUPTCY FILES WERE NOR PROVIDED WITHIN THE REASON FOR NOT ALLOWING ANY STATEMENTS BUT ONLY WILL BE AS A REQUEST. THUS AS A REQUEST I AM ASKING FOR THE DOCUMENT THAT PROVIDES THE DISCHARGED DEBT AS TO THE MORTGAGE OF THE SUBJECT PROPERTY AND THE EXACT AMOUNT AND DATE OF THE DISCHARGE IN THE FILES WITH BOTH XXXXXXXX XXXX XXXX XXXX  LOAN
Product: Mortgage

I fell behind on my mortgage after my business income fell. I applied for assistance with Wells Fargo Home Mortgage and hired an attorney to help me with the paperwork. Wells Fargo Home Mortgage put my loan into the re entry team. This departments sole purpose is to evade reviewing borrowers for assistance. According to my attorney this department and almost everything they do is in violation of RESPA Regulation X. My last submission was onXX/XX/XXXX. Since then Wells Fargo has been telling me my loan is under review. It is n't like I just faxed in partial paperwork on my own. I hired a professional real estate attorney who has a full time loan officer and underwriter on staff who put together my financial application packet for me and submitted it fully complete. Since then Wells Fargo has been picking apart my taxes and profit and loss for my business.. Today I was told I was denied due to the fact that underwriting does not " believe '' I no longer have expenses that were shown on previous tax returns. I have cut these expenses due to my decreasing income and I do the work now myself so I no longer have those expenses. My attorney says they have never heard of any underwriter coming up with this excuse to turn down a file. In addition, today I received a Notice of Default. According to my attorney Wells Fargo is not allowed to " Dual Track '' while I am under review. My attorney called Wells Fargo today and they told my attorney that my  loan does not go under review when it is with the " re entry '' team. My attorney advised Wells Fargo this is in violation of RESPA Regulation X. Wells Fargo can not " Evade '' review by putting my loan into the " re entry '' department. The latest date my loan was confirmed complete and under review was on XX/XX/XXXX.  Today Wells Fargo says the loan modification was denied on XX/XX/XXXX. The borrower per RESPA Regulation X has 30 days to appeal this denial without facing foreclosure. However, Wells Fargo recorded a Notice of Default on XX/XX/XXXX and taped it to my door today. My attorney called Wells Fargo to advise them they can not dual track a foreclosure because we are still in the appeal period. Wells Fargo says they did not put my file under review ( evading ) because when it is with their re-entry team it does n't have to go under review.
Product: Mortgage

See complaint XXXX. 

Subsequent to " resolution '' ( which is an erroneous interpretation ) BoA committed to returning my payments to not include an escrow for taxes and insurance. On XX/XX/XXXX they debited my bank account the mortgage payment AND taxes and insurance. They immediately admitted their mistake and promised to refund my payment. Instead of crediting my account or wiring me funds, they sent me a check one week later. The check was over {$500.00} less than the amount they committed and old me that they would refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of america is reporting the account is handled by a debt management company where it is NOT. I pay my payments directly to Bank of America. They are also reporting my account is OPEN on XXXX  credit report where it has been CLOSED for 1.5 years. In addition they are reporting late payments in 2016 when I was not late, they failed to send my statement to the correct address after a military move. They were given the correct address and still to date have not updated it.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a charge-off account from my credit report. The charge-off is inaccurate or unverifiable, and as such, it should be removed in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I CHALLEGED THE ACCURACY OF XXXX XXXX XXXX BEING REPORTED ON MY CREDIT REPORT. THE ORIGINAL CREDITOR IS BASED IN OHIO. i AM A TEXAS RESIDENT & I AM A VITCIM OF IDENTIY THEFT. UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Product: Debt collection

This company states i opened an account with them in XX/XX/year> and owe them XXXX. I have never opened any account with them or signed any agreement to do business with them. By XXXX I went through a horrible divorce lost everything I had and would never have been able to obtain credit to open any accounts. I asked them to verify this debt and their timeline. They said they did and it's accurate which is a lie. I would like to see my purchase agreement with them. I would like to see the timeline of when I supposedly purchased this account. They won't find it. If you ask someone to investigate they can't just lie amd say they did and report it back that way. Don't consumers have some rights?
Product: Vehicle loan or lease

I have disputed this account and have reached out to the company/creditors many times but failed. I've seen no changes for the accounts that I have filed last month I still see 30-60 days late marks on my report.