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

Hi! It's me again XXXX XXXX XXXX, I am making a follow-up with the letter I sent you over a month ago, XX/XX/2022 to be exact. I requested for you to send me the method of verification used in determining the accuracy of my credit report and you haven't sent me anything yet. I have advised by a legal expert that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue you delaying my request. This is of great importance and I trust that you will not delay any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I obtained a new credit card, at which time Experian reported my FICO score to be XXXX. 10 days later, I was denied credit and on the denial letter, Experian reported my credit score to be XXXX. How can this be? more than 100 points difference in 10 days or less by the same credit bureau?? I am always on top of my credit and monitoring my score and report. Who oversees FICO and Experian? Consumers check their score before buying a car, getting a mortgage etc but what good is that if the information is not accurate? It could quite possibly take me 10 days to find a car I want to buy and even longer if I was looking for a house. This is unfair to the consumer. Please look into this and report fairly and accurately across the board.I shouldn't be getting an entirely different FICO score ever day. Not even close to the first number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a XXXX violation complaint with XXXX Department for. 
XXXX  XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX  Account number XXXX. 
I am continuing to receive harassing calls and questioning about my medical issue. This is a XXXX privacy violation as I have not authorized the release. Please see original complaint to XXXX against Experian and XXXX. Please direct them to investigate or remove this account from my report. Here is XXXX complaint Receipt Number : XXXX. 

XXXX HAS CORRECTED IT MISTAKE SO WHY HAVE THE OTHER 2 CREDIT BUREAU?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Names : XXXX XXXX XXXX, XXXX XXXX XXXX Address:XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX/XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which 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.

A copy of my Utility Bill, drivers license, W2, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these items are inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

I decided to freeze my credit reports for safety. XXXX and XXXX gave me no issue. Both offered extra services in exchange for selling my data and i declined. Experian however, did not do this and immediately started marketing which I did not agree to. I tried their chat which was a bot that told me to call. I tried calling and got another bot that would not connect me to a person no matter how many times I tried. They're clearly violating the law and trying too force you into not only data selling but a paid service for their credit monitoring. I still can not contact a person to tell them to stop.
Product: Credit reporting or other personal consumer reports

Original creditor XXXX XXXX sold information to XXXX XXXX XXXX XXXX, with out consent. Original loan was inquired with XXXX XXXX a year before natural disaster XXXX
Product: Mortgage

When I originally called  Rushmore  to ask about getting my   Property Mortgage Insurance removed, they claimed that the only method to get it removed was to have an appraisal done on my house. However, according to the federal Homeowners Protection Act, this should have been removed automatically when the principal balance reached 78  percent of the original value of my home. According to my mortgage statement from Rushmore dated  XX/X/XX , I met the 78 percent threshold before I even requested the PMI to be removed.
In addition, after Rushmore received my authorization for an appraisal to be conducted via fax on   XXXX   XXXX   XXXX  , they failed to actually order the appraisal until   XXXX   XXXX   XXXX  . I believe this was purposely delayed to keep me paying the PMI since Rushmore benefitted from this insurance which seems to be a conflict of interest. I had to call three  times after   XXXX   XXXX   to ask for updates and only after I requested to speak to a supervisor on   XXXX   XXXX   did they finally admit that I had already submitted the authorization for appraisal and that the appraisal should have been done weeks ago.
Rushmore has failed to be transparent during this entire process, and as of   XXXX   XXXX  , has placed a cease and desist hold on my account stating there will no longer be an type of verbal communications, outgoing calls or written correspondence except as otherwise required by law. When I requested phone transcripts of my calls with Rushmore and more information regarding how the process to remove my PMI should have taken place, they refused to offer this information. They have refused to even tell me how much my home appraised for after requesting this via phone call on   XXXX   XXXX   and in writing through their secure message portal. The cease and desist hold seems like their form of retaliation against me and also a way to intimidate me as the consumer.
After my call to Rushmore on   XXXX   XXXX   I was promised a follow-up call with a supervisor to ensure my request was moving forward. I did receive a call on   XXXX   XXXX   at   XXXX   EST   but was unable to answer. The left a voicemail promising a return call in 30 minutes but I never received one or was given a number to contact this person back specifically. This was just another moment in which Rushmore  failed to deliver on what they promised me. This also includes them failing to respond to provide recordings or even phone transcripts of calls I had them that I had also requested.
Product: Mortgage

I applied for a re-finance through the HARP program with my current mortgage company, Well 's Fargo. I have been with this company for years and have never been late on my mortgage payments except during XXXX XXXX. When I applied, I was told that I qualified for the HARP program. I then received a letter from Wells Fargo telling me that my loan application was approved. Afterwards, I received a phone call from a Title Search Company that apparently does research for Wells Fargo who told me that my loan was not going to be approved because my second mortgage was with a company that Wells Fargo does not approve of. Initially, I was told that XXXX was an approved lender for my XXXX mortgage. The bottom line is that I am being denied to loan at a better interest rate ( 3.25 % ) which would save me {$100.00} each month and shave off XXXX year of my current mortgage. I am being denied this opportunity not because of my credit, but because they do not approve of the company that holds the XXXX mortgage lean on my property. The XXXX loan originated with XXXX XXXX XXXX, was sold to XXXX, and then XXXX was purchased by XXXX. I had no control over the selling and buying of my XXXX mortgage. How can I be disqualified from taking advantage of the HARP program due to this? Is this actually a valid excuse for my mortgage company to deny me the chance to save money? Is this a loop hole that they use to keep honest, hard working bill paying citizens at a higher mortgage rate?
Product: Mortgage

For over six years, we have disputed the loan balance and amortization of the loan agreement. The mortgage lender refuses to provide any information on how they created the re-amortization amount and has ignored the written collection records from the prior servicing company that brought our account current. 

We had made numerous requests via a Qualified Written Request to XXXX XXXX, all ignored. We offered to make payments in good faith while his issue was being addressed, but they never responded. They had sent our application ( without our consent and without disclosure ) to XXXX Mortgage XXXX to have us refinance ; however, the amount demanded, per our records, is over {$100000.00} overstated, if not more. 

On XXXX XXXX XXXX XXXX XXXX acknowledged our latest request to them from XX/XX/scrub>XXXX XXXX XXXX saying they needed additional time. Instead of responding to our request they began to use extortion and threats and on XX/XX/scrub>XXXX XXXX XXXX  sent a XXXX Notice. 

On XXXX XXXX XXXX they sent a letter stating the robosigning of documents on the transfers had no validity. They claimed they could not provide the complete loan history nor amortization since it was not in their possession. They placed all their weight on Modification Agreement signed under duress and noted in writing that it was disputed when signed. 

The loan was transferred to Shellpoint Mortgage Servicing, and to date, they have refused to provide any requested documents, stating that for each request, they need more time. I had noted to XXXXXXXX XXXX, XXXX XXXX, and Shellpoint Mortgage that I had a copy of the collection records from the prior mortgage holder, XXXXXXXX XXXX, stating my account was current, so increasing our loan balance from under {$200000.00} to over {$320000.00} was not justified by the facts. Furthermore, the mortgage holder had filed a fraudulent proof of claim with the bankruptcy court, voiding our rights to protection. 

We have disputed the accuracy of the debt numerous times in writing to Shellpoint, which at first they attempted to deny receiving ; however, I reminded them they acknowledged the receipt and asked for more time. We asked in writing numerous times for financial assistance ( making payments including a lump sum ) while they produced the documentation so we could have a forensic audit completed. They have refused and only responded with material misrepresentations to provide the information, threats, collection agents sent to my home, and threats of negative credit reporting.
Product: Debt collection

XXXX XXXX  XXXX XXXX re-opened an account under my name. This time it was opened with Creditor : LVNV FUNDING LLC. This was supposed to be expunged after 7 years and it has been that amount of time. But it was re-opened. That is not fair, i am never going to get this off my record. Please look into this, i don't want this on my record another 7 years.
Product: Debt collection

I am writing to dispute the presence of fraudulent accounts on my credit report. Upon reviewing my credit report, I discovered several accounts that I believe to be the result of identity theft or fraudulent activity. I am requesting your assistance in investigating and, if necessary, removing these accounts from my credit report. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

The fraudulent accounts in question are as follows : XXXX XXXX XXXXXXXX I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. 

As a consumer, I believe it is my right to have my concerns addressed promptly and diligently. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served.
Product: Credit card

i was in the hospital with a XXXX XXXX i was given many tests and several medications i am not doing well i therefore can not handle the stress of this bill
Product: Mortgage

My wife and I sold our house in XXXX : XXXX Wa XXXX, and the deal was closed on the XXXX of XXXX..Old republic Title was our Escrow company. After the closing we received XXXX different statements of amount due to seller. XXXX = {$190000.00} and XXXX = {$200000.00}. We asked them why are we seeing XXXX different amount due to sellers? Their reply was " yes it was a mistake, you will received {$200000.00}. We will fix it before wiring the money to your account ''. After receiving the money to our account we realized that they did n't fix it, they paid us {$190000.00} instead of {$200000.00}. We tried to call them so many times with no success. They only time we were able to talk to them was last month and we were told that the amount giving to us was correct even though the statement and the amount wired to our account do n't match. I have attached the copy of both statements. 

XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found some accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please, remove the fraudulent accounts from my credit report as soon as possible.
Product: Mortgage

the mortgage company is Ocwen..they refused to do a modification, I even got a legal aid lawyer that turned on us..after fighting with Ocwen for over two years they forced me and my family out, we did use the XXXX XXXX XXXX and they gave us a runaround.We paid other companies to help, we did.Every way we took to save our home, Ocwen through up a brick wall , they would n't compromise in any way ... although I send them adequate income all they wanted was my house and on XX/XX/XXXX they put us out, even though we had a son which was extremely ill, our son was a XXXX with serious issues, we were forced to leave and seven months after being forced out our son XXXX away in XXXX XXXX..we beg and pleaded with them, we were homeless for 17 days, we had to put our son in the hospital because we had nowhere to go, I wrote senators, congressmen, governor, even the president ( Obama ) no one helped..We knew that Ocwen was stealing the house we built away from us and nobody cared ... fourteen years, they sold our mortgage several times and yet nobody informed us.How could the government we pay taxes to, to protect us, how could they just turn their backs and allow these greedy soul-less companies steal our home..where is the justice!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

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


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


I demand the late payment reported in 60 days to be removed. 


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


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


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

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


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


Delete the late payments from my consumer reports XXXX
Product: Checking or savings account

Various fees and unfair overdraft charges by my financial institution Wells Fargo Bank I have attached statements with dates and unfair overdraft fees and unauthorized charges
Product: Debt collection

NCB did not look into the fact that this is a write off by XXXX. The original creditor XXXX XXXX XXXX has determined that this is a charge off ( written off ), and a close out. Which in turn means that the original creditor can not take any further collection action after close out, including selling the debt to another agency, and if required by Internal Code and regulations must report closed out debt to the IRS. 
The fact that XXXX wrote this debt off as a charge off means that XXXX reported this debt as a loss to the IRS. Therefore this means that no further payments are due. In addition : the balance reflects a XXXX balance on credit reporting agency reports. XXXX could not legally sell this debt, therefore they have violated my privacy by selling my information to NCB, and NCB has violated The Fair Debt Collection Practices Act by not validating the debt collection accuracy and or legality. XXXX May also be in violation of other laws if in fact they did sell a debt to NCB and collected any money from that sale, after reporting it as a loss to the IRS
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information currently reported on my credit file. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I hereby request an immediate investigation and removal of the following erroneous accounts and inquiries from my credit report. 

Please be advised that this is my second attempt to resolve this matter, and I expect full compliance with applicable federal regulations within five ( 5 ) business days.

Accounts to Be Removed : Jefferson Capital Systems Balance : {$610.00} Jefferson Capital Systems Balance : {$4100.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX appreciate your prompt attention to this matter and request a written confirmation of the actions taken to correct my credit file.
Product: Credit reporting or other personal consumer reports

I am filing this complaint concerning the inaccurate reporting of multiple late payments by these creditors to TransUnion. According to their records, several payments are falsely reported as late. These alleged late payments were made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.
Product: Consumer Loan

Per a class Action Law Suit and Settlement Case # XXXX. Represented by XXXX XXXX, XXXX, MD I was included in a XXXX XXXX dollar Settlement won against Capital One Auto Finance for illegal practices re : Repossession by a Md Court Order. The Settlement was finalized in XXXX 2015. I have clear documentation that states that as part of the settlement ; derogatory, negative information will be removed for Plaintiffs and replaced with Positive Credit reporting via all XXXX credit bureaus. I am hopeful to upload this document for your review, in the event that is not possible please search XXXX Settlement and this has all the details. This is not private information and even more surprising that I to date HAVE ALL NEGATIVE REPORTING FROM CAPITOL ONE AUTO FINANCE AT THIS LATE DATE. The most disturbing part is as a consumer I have been harmed by recently being DENIEDCREDIT! In seeking Legal Counsel this is UNACCEPTABLE! I have tried to no resolve reaching XXXX XXXX whom I spoke to once and he ALSO confirmed this should have been resolved, I called endlessly to the Law Firm that handled the case for Capitol One, XXXX XXXX, XXXX ( XXXX ) XXXX I was bounced from voicemail to voicemail and completely ignored. I tried all attorneys mentioned in public documents regarding Capitol One and this Settlement! I reached all XXXX bureaus begging, calling daily all noted in phone records, for help launching several investigations and disputes only for them to come back saying Capitol One CONFIRMED THE NEGATIVE INFORMATION! This is completely exhausting and just down right wrong. It may not matter to anyone but it is impacting ME! as I can not sleep at night and am suffering XXXX over an issue that should have been resolved Months Ago by Court Order. The Bureaus collectively show NO EFFORT OR CONCERN AND HAVE DROPPED THE BALL! I HAVE SUPPLIED THAT SAME DOCUMENTATION MENTIONED HERE BUT no RESOLVE. I CAN NOT AFFORD AN ATTORNEY TO FIGHT THIS BUT VOW TO FIND SOMEONE THAT WILL ASSIST. This is not right!! Please assist! My credit report for ALL XXXX bureaus after careful research should read as follows : CAPITOL ONE AUTO FINANCE, INSTALLMENT LOAN, HIGH CREDIT {$18000.00}, PAID AS AGREED, SHOWING NOT LATE STATUS! Any efforts towards expeditious resolution in this matter is GREATLY appreciated. THIS IS NOT A MATTER THAT CAN WAIT THE NORMAL 30 DAY PROCESS I HAVE AN APPLICATION PENDING AND THIS SHOULD HAVE BEEN RESOLVED MONTHS AGO. I NEED UPPER MANAGEMENT TO TAKE CHARGE AND GET THIS STRAIGHT. I at this point not only have anguish over this but now have damages as I have spent numerous hours of time calling, scanning, printing, downloading reports, postage, mailings etc. I am beyond livid as this is UNACCEPTABLE. ITS ALL IN WRITING BY COURT ORDER! COMPLETELY EXHAUSTED AND IN DISBELIEF.