23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We went into contract with XXXX to build out XXXX and they had pushed us to use Mosaic for our construction loan. XXXX co-erced me into give them money up front for milestone they didn't complete. Said our project would be delayed if we didn't pay them. Mosaic was aware of this as there has been several complaints to the California XXXX board as well to the DA. Both XXXX and XXXX are being investigated. XXXX is now out of business and Mosaic won't do anything to claw back to money knowing that XXXX obtained payments through false means. 

We are asking Mosaic to close our loan and clear our obligation due to them knowingly work with XXXX has have trouble with numerous projects. Taking money for not completing work.
Product: Mortgage

I refinanced my loan through Lakeview Loan Servicing , Inc. Before I refinanced I had biweekly payments. However, after refinancing and being told that I would be able to continue the same frequency of payments, it was not the case. I asked multiple times if whoever was going to service the loan would continue the bi-weekly payments before closing. XXXX XXXX became the loan servicer for the loan and I had contacted them and they are not aware of bi-weekly payments. Lakeview Loan Servicing , Inc. should have advised me the fact that they were going to service transfer my loan so that I could have taken the opportunity to go with a more traditional bank or lending institution for my refinance. Most banks are able to provide a bi-weekly payment in which it is automatically taken. I believe the Loan Officer should have been more knowledgeable and not have deceived me in refinancing my loan indicating that I would be able to continue bi-weekly payments. The loan officer was XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with those crediotrs 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 XXXX XXXX XXXX. 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 those account to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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
Product: Debt collection

I believe the account is invalid. MCT GROUP INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 


MCT GROUP INC XXXX
Product: Mortgage

I am filing this complaint against Flagstar Bank regarding multiple violations of escrow and loan servicing obligations. The specific issues are as follows : 1. Failure to Update Address During Loan Conversion : At the transition from a construction loan to a permanent loan, Flagstar Bank failed to update my address in their system, despite this being a necessary administrative change. This has caused significant communication issues and delayed notifications.

2. Failure to Pay Homeowners Insurance from Escrow : Despite maintaining an escrow account for the purpose of paying homeowners insurance premiums, Flagstar Bank failed to make the required payment, resulting in a lapse of coverage and financial hardship. As of XX/XX/XXXX, my wife and I have paid {$1600.00}. 

3. Failure to Notify Borrower Upon Receipt of Insurance Change : Upon receipt of notice of a change in my homeowners insurance policy in XX/XX/XXXX, Flagstar Bank did not inform me or update the escrow disbursements accordingly. This led to me having to pay for the insurance premiums out of pocket to avoid a lapse in coverage. The laspse in coverage put my home at risk as of XX/XX/XXXX. 

4. Declining to Resolve Issues Upon Notification of Error : After my insurance agent and I notifying XXXX of the above errors on more than one occasion, the company has declined to take corrective action to resolve these issues, further exacerbating the situation and forcing me to make payment out of pocket to insure the safety of my family. 

5. Violations of Rules Related to Fraudulent Loan Modifications and Unreasonable Charges : The handling of my escrow account and loan servicing suggests potential violations of regulations, including : - Failing to honor contractual and regulatory commitments to properly manage escrow funds. 
- Imposing unreasonable and fraudulent charges on the account. 

These actions have caused significant financial harm and stress, forcing me to pay out-of-pocket for expenses that should have been covered by the escrow account. On record lines, they noted discrepancies but failed to take any corrective actions to ensure the safety of my home. Additionally, Flagstar Bank has failed to uphold its duty of good faith in servicing my loan and escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Transunion since about XX/XX/XXXX. They started responding to my request after they have sent me numerous letters from the months of XX/XX/XXXX-XX/XX/XXXX. Stating that my debt is accurate and verified but they have yet to provide me with any proof of the accuracy and the method of verification a list of accounts I need verified are below. 

XXXXXXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXX XXXX account # XXXX Please provide original instrument of indebtedness bearing my signature. 

XXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXXXXXX XXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXX  account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXX XXXX XXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

My most recent dispute attached below please review
Product: Checking or savings account

My bank closed my account when I deposited a check on XX/XX/2019 after calling them multiple times they were very rude and aggressive to me, I never thought SunTrust bank would have been so nasty to anyone.
Product: Credit card

I made a payment over the phone to them and it took them XXXX days and they reverse the payment and I called them and they claimed my bank can not find the account and that is an account I have made payments from to US Bank for the credit card. Are they just returning my payments just so they can charge me a fee? Because right now, and I have told them this too, right now. I am unemployed not by choice but because the bar I am working for is under a remodel and it has been since mid XX/XX/XXXX so if US bank is just trying to take my money in the form of fees being returned check fees or other like that something doesnt seem right because they want to return the payment and claim my bank can not find the account. I have checked the account numbers and read them back to them over the phone, and somebody isnt putting something in their computer right or something. I dont know what.
Product: Credit reporting, credit repair services, or other personal consumer reports

In line with the Fair Credit Reporting Act section 605b, I am XXXX XXXX XXXX, and I am submitting this CFPB complaint as a follow-up to the prior one I submitted asking for the removal of the bogus accounts and information from my credit file. I've lately found a number of entries on my credit record that I neither authorized nor took part in. These things are seriously hurting my finances and lowering my credit score. A few credit accounts that I did not start, as well as a number of charges and loans that I did not request or get, are specifically among the bogus items on my credit report. These false items add up to a sizable total and have a bad effect on my credit score. I am requesting that you remove the following items off of my Credit file as soon as possible ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$90.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX FOR XX/XX/XXXX. These items were the outcome of the theft of my identity. I asked you to email me copies of any ownership documentation or other proof you discovered throughout your search if you think these items are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account showing on my credit file that indicates it's in dispute. I have requested several times for that verbiage to be removed. I AM NOT DISPUTING THE ACCOUNT. I called Equifax personally and they said it's not listed in dispute but when my lender spoke with the business side they said it was. I do not know which bureau is reporting this because the lender pulled a tri-merge but I need it removed ASAP. I am unable to refinance my house due to this error and if this is not resolved ASAP I will go to the States Attorney 's office to get this resolved. I am loosing so much money and this is putting a major hardship on my family
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a XXXX party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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.
Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report. Thanks 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And might I addThere are quite bit of different names and addresses on my credit report that I I do not recognize and never used. Here are all the names XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX And there are several phone numbers that are not my number. So I asked that it be removed. There is employment data reported from a XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Please remove these items account names and phone number from my credit report.
Product: Mortgage

My mortgage was held by a company called XXXX XXXX. I took advantage of COVID forbearance and at the end was offered a modification that took my mortgage to the $ 2500/mo range . In the middle of this modification my mortgage was sold to a company called Midland Mortgage, part of Midfirst Bank ( loan number XXXX ). Midland is either completely clueless or, I suspect, is actually trying to deny me the modification I am entitled to through the various federal COVID relief programs. 

My last mortgage statement was only showing an escrow amount of {$230.00}. This is insufficient to cover my PMI, homeowners insurance ( $ XXXX ) and property taxes ( over $ 8000/yr ). When talking to them they said my actual mortgage payment is going to be nearly $ 3000/mo. I can not afford that and it is contrary to the documents I had already signed with the previous mortgage holder for the modification down to {$2500.00}. When I asked to speak to a supervisor, I was just transferred around among other tellers and left on extremely long holds. They clearly were just trying to wear me down. 

Again, it is my belief that this nonsense represents an intentional attempt to deny me relief that I am entitled to from the federal COVID relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XXXX my mortgage was put on the CARES act forbearance due to financial struggles. My credit score dropped by XXXX points because of this. The CARES act provides protections against negative impacts on credit scores due to forbearance. I have contacted my mortgage company multiple times regarding this issue and it still has not been resolved.
Product: Credit reporting or other personal consumer reports

I have a credit monitoring service called XXXX that monitors my service. On my last credit report, the following addresses are still associated with my name. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have never lived at these addresses. They belong to either my ex-wife or somebody else.

I have attempted to remove these addresses numerous times with all three credit reporting agencies and have had my complaints closed because I have made previous complaints. Yet, the addresses still remain on my report.

I do not consider this a duplicate complaint submittal until the addresses above have been removed from my credit report. 

Please remove all three addresses listed above.
Product: Debt collection

I am XXXX years old and I am an XXXX  child of the State of Florida. I was therefore given medical insurance through the Department of Children and Families and Medicaid once I reached the age of XXXX in XXXX. My plan is XXXX. 
On XX/XX/XXXX, I received a letter from debt collectors stating I owed {$1100.00} to a local hospital. The service date was XX/XX/XXXX. I was not asked for insurance information from this local hospital and I was confident they already held my insurance information in my files. 
As of XX/XX/XXXX, this is the first announcement of any wrongful debt I am owed.
Product: Credit reporting or other personal consumer reports

I am reaching out as I have previously disputed unauthorized inquiries on my credit report from Experian, XXXX and XXXX. 

None of the unauthorized inquiries were removed and no documentation was provided. 

I am demanding to have the inquiries deleted abd have reached out to the bureaus again to request them to be deleted. 

See attached letter
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

These are the accounts that are marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a report on my Equifax statement that has been paid in full. I have spent 45 min on the phone on hold tried to submit my problem online after I phill out all the information and enclosed paperwork. There system is not working at this time I have tried this 4 times I dont know what to do
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested a paper copy of my consumer report via their customer service line to be mailed to me. Despite my request, I have yet to receive it. 
Additionally, I have attempted to troubleshoot with TransUnion and access my report through their online portal, but this has also been unsuccessful. 
I kindly request your assistance in resolving this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

I am requesting assistance from the CFPB concerning the violation of my rights as a consumer. I was a victim of ID theft, I noticed the credit bureaus of the fraudulent account and inquiries posted on my credit report that needs to be blocked and removed immediately per federal law FCRA fair credit act section 609 and section 609 ; also federal law 15 U.S.C 1681 C-2. I have provided copies of official police report and Federal trade commission Idenitity theft affidavit along with my social security card Drivers license and utility bill. The following information I am demanding be blocked and removed immediately per federal law : FRAUDULENT ACCOUNT XXXX XXXX XXXX account XXXX opened XX/XX/year> {$6900.00}. 

Fraudulent INQUIRIES : XXXX XXXX XX/XX/year>, XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023. I experienced an adverse action from the assigned Creditor ; Affirm Incorporation for exercising my right in good faith for an extension of credit and my right to privacy during this consumer credit transaction. 

DEFINITIONS ( BELOW ) The definition of Creditor Pursuant to 15 USC 1691a ( e ) - means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the DECISION TO EXTEND, renew, or continue credit. 
According to 15 USC 1691 ( e ) any assigned Creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class. 

Affirm discrimination practices violated the Equal Credit Opportunity Act and the Fair Credit Reporting Act. Affirmed mention that my interest in a loan was denied. I did not apply for a Loan, I applied for extension of credit which can not be denied under the Equal Credit Opportunity Act. Pursuant to the FCRA, Affirm should have offered the consumer an opportunity to show other means of a credit report that holds more positive credentials than a negative report unfortunately, Affirm fail to comply with that subchapter who was the assigned creditor when I applied for the extension of credit.