23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

FTC Report XXXX This dispute has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax, XXXX, and XXXX block information appearing on my consumer report that is result of identity theft and fraud within 4 business days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. This account has all payments up to date and the company is reporting charge off and my balance is reporting inaccurate too.
Product: Mortgage

To whom it may concern, In XXXX of XXXX, we applied for a mortgage with Harris Bank, now BMO Harris. 

1 ) The loan origination process was full of errors and inaccurate appraisals were used by the bank. 
a. Functional Utility : All properties were Average Utility yet the comps were all adjusted by {$3000.00} up which shouldnt be. 
b. Gross Living Area : The square footage on all three comps was taken from the assessor, except for the property. Adjustments are inaccurate. The appraiser adjusted approximately {$50.00} a square ft the box for public water is checked, the house is on well water Age of comps. Most comps are within 6 months- Some of comps used are over a year old. 
Information does not align with assessors office for property as stated in comp. 

Breach of Contract and Inaccurate interest rates : The loan was signed on XX/XX/XXXX in the amount of {$530000.00} with interest only for 3 years and an adjustable thereafter. In XXXX, the loan did not convert to Principle and Interest per the schedule. We inquired with the bank and no one would answer or respond to our inquiries. I made numerous attempts to try to get the bank to respond to why the loan did not convert per the note. In XXXX, my daughter made a contact with one bank VP through XXXX to try to get some additional attention. At this point, the loan had not converted after nearly 4 years. In XX/XX/XXXX, that bank VP acknowledged that the loan was not serviced properly and applied a " temporary fix '' ; a fixed P & I rate for 1 year and a discounted rate thereafter. The bank has admitted to multiple other errors on this loan including charging inaccurate interest rates, having to make multiple adjustments and issuance of checks to my husband and I with little to no explanation or support for their calculations. 

In XXXX, we finally reached someone with BMO after additional filings with other agencies who referred us to the CFPB. The contact provided all of the support to evidence the breach of contract and acknowledged the breach. They offered us a fixed rate mortgage at 4 %, only if we sign an agreement waiving all acknowledgements of the bank 's breach of contract by failure to convert this loan to P & I in accordance with the note along with any other errors. This breach of contract has cost my husband and I approximately 60K and years of time and effort to try to get someone to acknowledge there was an issue.The bank argues that we could have paid more, above our owed interest amount, however why would we pay more if we know our payments are not applied correctly and we can not obtain statements from the bank with principle and interest due. 

Summary of note issues : -Breach of contract- loan did not convert to P & I in accordance with note -Inaccurate interest rates charged- XXXX, XXXX -Errors in transaction history resulting in inaccurate XXXX, causing customer to refile with accurate rates.
Product: Credit reporting or other personal consumer reports

I sent Experian documents by mail to confirm incorrect information is being reported. The same information was sent to XXXX and XXXX. XXXX and XXXX has since corrected the issues. Experian return the mail back to me with out opening.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on our previous discussions regarding the correction of the late open accounts. 

Despite our prior communication and your assurances of addressing the issue, I regret to inform you that the matter remains unresolved. As a result, it continues to impact our business operations and erode trust in our partnership. 

I kindly request that you provide me with a comprehensive update on the progress made towards resolving the late open accounts. Additionally, I urge you to take immediate action to expedite the process and ensure that all outstanding accounts are addressed without further delay. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$15000.00}.
Product: Credit reporting or other personal consumer reports

Charge-off accounts extending statue of limitations and in violation of FCRA section 623 15 USC 1681S-2 responsibilities of furnishers of information. XXXX XXXX XXXXXXXX accounts payment history XXXX, XXXX, XXXX accounts XXXX, XXXX XXXX  account XXXX. Duplicate accounts repeated across all three credit reporting agencies and XXXX has inquiries that are in violation of 15 USC 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.
Product: Mortgage

In XX/XX/XXXX, we refinanced our home with XXXX XXXX, they were closed, then we were transferred to GMAC, closed again by the feds, stuck with a very badbad mortgage, un-notarized, unsigned docs. Closing person came to my home not knowing nothing about the XXXX acct we were given, then we were sent astatement saying we were denied the loan because of my husband 's no credit. 
the APR was different on several docs, my name was not on the promissorynote, took my name completely off but was on the mortgage, split the XXXX. Wewere paying for insurance on the mortgage through monthly payments. We received the insurance policy through the mail. In XX/XX/XXXX, my husband died, the insurance company refused to pay the house off. Ocwen steps in and files foreclosure on my homewith false docs because I refuse to pay for what should have been paid offthrough the ins co. Ocwen does not own my property, how can they foreclosewith false docs? XXXX Superior Court I have sent letters to the judge, motions, proof of my complaints with this company, I have appeared in courton numerous times, the court or judges do not respond to the motions. XXXX Counties ' court system so corrupt to violate my rights as a citizen andconsumer? How can fraudulent papers by Ocwen get them a court date orSheriff Sale? What is going on?
Product: Debt collection

On XXXX XXXX, XXXX I took my daughter XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. She received care in the emergency department. I received a bill from the hospital concerning physician services, but never the emergency services. The balance for the physician was paid in full as of XXXX XXXX based on the balance that was mailed out. I received an " overpaid '' check in the mail stating that I had over paid on the account. As of XXXX XXXX, XXXX I received a report on my credit in the amount of {$650.00}. I called the collection agency number only to be told my daughter 's insurance was never filed back in XXXX. I was then told that the physicians and emergency departments are billed separately and that the hospital would be the one to send over the insurance information to the emergency department that never was sent. I asked why was n't I informed of this and was told that the letter that was mailed out was returned back to sender. I asked them how was that my fault and was told that once the letter was returned back to them that they had to report it.
Product: Debt collection

Checked my credit report XX/XX/18 and noticed a collection account of {$73.00} placed by EOS CCA for an unpaid XXXX bill. I called and got my account number - XXXX. I called XXXX to verify the information because I have never been a customer or had an account with them. XXXX checked the account number, my name, DOB, SSN, address etc., and could not find anything associated with myself and they said the account number had never been active. They also told me that they do not turn over their collection accounts to EOS CCA. 

I called EOS CCA back and spoke to XXXX who claimed he was a manager. He was very hostile and told me that if I didn't pay this account today they would " sue my XXXX off ''. I asked him to verify the identity of the person associated with my account and he refused, he just assured me that it was mine. He repeatedly asked me to give him my social security number which I refused to do. I told him that if this account was actually associated with me they should have my SSN already. He also refused to give me any information like his last name, employee ID number or send me to a higher level manager. When I told him that I verified the information they had with  XXXX and that it was indeed a fake account and that XXXX does not give their accounts to EOS he hung up on me. 

I had never received a call or any correspondence from EOS CCA regarding this account, I just happened upon it when checking my credit report. I disputed this account with the credit bureaus and it was quickly removed.
Product: Student loan

On XXXX XXXX, I was enrolled in XXXX XXXX for a XXXX  in XXXX XXXX. I applied completed my FAFSA and applied for a Direct Plus subsidized/I subsidized loan for graduate. Completed master promisory note and was approved DOE. My financial aid officer at XXXX said that I had an overage and could not receive any disbursements unless I contact Nelnet and requested that the overage be applied to current loan. Nelnet never answered my emails or phone calls they even kept me on hold for 2 hours every day. A rep finally picked up on XX/XX/XXXX  said a few words, put me back on hold for another 2 hours. I told my FA advisor about it and he said theres nothing they could do. Now I can not finish my education because of Nelnet poor management and customer service. Please help. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter dated XX/XX/2021 Sent by WELLS FARGO Wells Fargo conducted a review of info to XXXX. Through that investigation, it was determined that information Wells Fargo reported to XXXX was INADVERTENTLY AND ERRONEOUSLY reported as MY ACCOUNT. 

I am a recent widow, on Permanent XXXX and due to my XXXX XXXX XXXX, have lost my home and vehicle. 
I am desperately applying for apartments for myself and believe fervently that WELLS FARGO 'S reporting has largely impacted my ability to be approved! 

***WELLS FARGO REPORTED AN OVERSTATEMENT OF MY PERSONAL ASSETS WHICH HAS AFFECTED ME NEGATIVELY WITH MY APPLICATIONS FOR MY PERMANENT XXXX, HOUSING ASSISTANCE, CREDIT DENIALS, HOUSING APPLICATION DENIALS. 

I AM DEMANDING THAT ALL NEGATIVE REPORTING TO ALL AGENCIES BE REMOVED & RETRACTED WITH ADMISSION OF WRONGDOING BY WELLS FARGO, XXXX. 

I ALSO DEMAND MY CURRENT CHECKING & SAVINGS ACCOUNTS WITH WELLS FARGO BE IMMEDIATELY UPDATED, CLEARED OF ALL CHARGES AND BROUGHT BACK TO A POSITIVE BALANCE. 

I WILL BE SEEKING LEGAL ADVICE IN REFERENCE TO A CLASS ACTION SUIT AGAINST WELLS FARGO, XXXX. & SUING FOR MONETARY DAMAGES. 

XXXX XXXX XXXX XXXX
Product: Mortgage

At the start of the pandemic, I contacted my then mortgage servicer ( XXXX ) to suspend my mortgage payments for 3 months. I'm a freelance writer and was nervous about the impact of the pandemic on my income. 

The mortgage includes PMI. 

At the end of the forbearance period, I was given the option to pay off the total of the skipped payments or extend the payments out to the end of the term. Again, due to uncertainty, I chose to extend the payments. 

The mortgage was recently sold to Mr. Cooper. Loan number : XXXX. I contacted Mr. Cooper to inquire about dropping my PMI as I am very close to ( or have hit ) 80 % LTV. Mr. Cooper told me that because the loan was modified and the terms changed, I would need to have 50 % LTV to have PMI removed. 

I was never informed that the loan modification would impact PMI. I've called several times to ask about PMI, and was most recently told that I could not have it removed. 

I don't believe that my forbearance -- and I am totally current on my mortgage and have never missed a payment -- should impact PMI. I would like PMI to be canceled.
Product: Credit reporting or other personal consumer reports

EXPERIAN DATE OF FIRST DELINQUENCY ( DOFD ) for the following account : Account Name : Child Support Nebraska Account Number : XXXX This letter serves as formal notice of my intent to sue for willful non-compliance and gross negligence under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 5 ), which mandates the accurate reporting of the Date of First Delinquency ( DOFD ). Your failure to report the DOFD on my credit report, regardless of whether the account is paid or not, constitutes a blatant violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint today to follow up the previous CFPB Complaint I submitted on XX/XX/XXXX. I also sent a dispute letter addressed to the Credit Bureaus on XX/XX/XXXX, requesting the Credit Bureaus to remove the following accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; and inquiries : 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 XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. If the Credit Bureaus insist that the disputed items are mine, please provide me copies of proof of verification or documents bearing my signature to prove my ownership with the disputed items. Failure to deliver should result to immediate removal of the items from my Credit File.
Product: Credit reporting or other personal consumer reports

A month 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 included it again. Kindly correct the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Regarding Complaint and Inquiry Experian XXXX XXXX XXXX  XXXX XXXX Texas, XXXX To Whom It May Concern, I am writing to report what appears to be a serious issue and possible breach of my personal credit information within the ( Experian ) online system! 

This week our home Loan Agent attempted to log onto the Experian Credit Reporting system to retrieve our credit score. When he / she did Experian 's system told them ( our credit information ) within their system was frozen? When we learned this we became concerned because we had not logged in to use Experian  for over a year. 

When we personally logged onto their Website / system to address the issue we were denied and prompted to re-list our name address Social security etc. to retrieve my credit report. 

After doing so, their system ( again ) responded with the message, ( there was a problem ) prompting us to ( try again ) requesting that we re-list additional information asking us for my Social number a second time? 

After repeated ( requests ) and attempts by their system, The system message said, ( There is NO record of your information in our system ) and again prompted me to try again ; until finally it ( locked me out ) saying, we would have to wait for 24-48 hours. 

When we searched for Experian 's customer services numbers on their web site, it directed and re-directed us back to a circular automated phone system that prompted us to try again, until finally locking us out! 

Finally after locating a phone number to their corporate office we were connected with someone in the ( XXXX ) who had ( NO knowledge ), ( NO access ) or worse ( NO authority ) to RESOLVE my issue! 

When we asked the agent to redirect our call to someone here in the United States where someone could access our info in their system and resolve the issue, we were redirected back to the same circular automated phone prompts. 

In short, we have received no help, no response no correspondence to answer our concerns! We are concerned because we believe it's possible their system has been breached, possibly exposing all of my personal credit / data / SS information ; or worse ; ( confused me with someone else within their system ).

I am kindly requesting a formal investigation Into why this has occurred along with answers as to why I am locked out from seeing my own personal information with no option for resolve.

As you know Experian is 1 of the 3 largest most influential credit reporting agencies in charge of reporting and protecting peoples credit data here in the US and the world.

Please Note : I am forwarding a formal request VIA Registered Mail to their office ( ( Experian Inc. / FreeCredit.com. as their is no other way of addressing and resolving the issue via their internet site or phone. 

Sincerely, Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't apply for any of these account they are fraudulent and I would like them removed off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting

On my credit reports there is an account that is not mine. It is from a collection agency named XXXX XXXX & XXXX XXXX account # XXXX XXXX. It claims that I owed them a debt, which I do not and never signed an agreement with them. Now it is hurting my future because when I apply for housing the landlords reject me because on my credit report it states the XXXX XXXX XXXX XXXX account came from an apartment complex. Please help me with this situation as I do not owe any money and I can not get housing because of this.