23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX, my husband and I refinanced our Mortgage and got the " Pick-a-Payment '' mortgage loan through XXXX XXXX. Later this adjustable interest loan was bought by Wachovia Bank and later Wells Fargo Bank. We were in the process of refinancing this loan through Wells Fargo Mortgage ( our house is in our joint Living Trust ) when my husband passed away in XXXX XXXX. I continued the re-fi application in XXXX and by XXXX/XXXX/XXXX, Wells Fargo declined the application only to have our consultant call on XXXX to say that they could do the new loan. I have submitted numerous documents regarding the Living Trust, our wills, income/employment/business information plus paid the {$500.00} appraisal fees. Today ( XXXX/XXXX/XXXX ) I have still not heard that the loan is approved and the interest rate increases every year for the XXXX payment. 
In XXXX XXXX, we were sent a {$160.00} check for settlement of the XXXX XXXX Wachovia Bank, Wells Fargo & Company, Wells Fargo Bank , N.A . ; and Does XXXX for XXXX XXXX. XXXX XXXX to settle a lawsuit regarding these predatory " Pick-a-Payment '' mortgage loans. We decided not to cash this check and still have it in my possession as cashing it you relinquish all future legal recourse. This is a predatory loan and I will be seeking all legal resolution if my refinance is not processed within 10 days.
Product: Credit reporting or other personal consumer reports

I cancelled XXXX XXXX XXXX in XX/XX/XXXX but they kept charging me. I did not pay internet service from XX/XX/XXXX. The original Date of XXXX Delinquency is XX/XX/XXXX. Equifax listed Date of 1st Delinquency XX/XX/XXXX is incorrect. I requested them to change to the correct date as XX/XX/XXXX. They refused to change to the correct date without providing any evidences showing that I had paid from XX/XX/XXXX to XX/XX/XXXX.
Product: Mortgage

Mr. Cooper took over as my mortgage servicer. They keep marketing products to me, but the basics of taking care of my mortgage ( specifically paying the right amount and right policy number to my home insurance company ), they've now messed up two years in a row, and getting a human representative on the phone to make corrections is nearly impossible.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX  XXXX XXXX XXXX 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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On this date I found a Hard Inquiry that was made in my name for a credit card. The date was XX/XX/2022. I notified the credit card company and informed them that I did not request this credit card. They immediately closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report online. There was U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer  credit file. 

The Bankruptcy Court has mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U. S. Bankruptcy Courts confirmed Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information  indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Mortgage

Attempted to contact servicer to understand status of the account. A customer service rep indicated the mortgage was reaffirmed after CH XXXX Bankruptcy in 2010 discharged. Advised this was incorrect and that charging late fees on the account is an attempt to collect a dept, specifically prohibited by U.S.Bankruptcy law. Servicer refuses to remove fees.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was placing an order through Tesla using their website. The page crashed but my credit card was still charged. They are now refusing to reverse the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my current credit report, on XXXX XXXX, XXXX I contacted Experian again in hopes to resolve an ongoing mistake on my credit report. I spoke to a lady name XXXX, when I contacted them.There were multiple unauthorized inquiries on my credit report that has re appeared without notice, They I was notified originally during two separate system breaches that the inquiries had appeared through another reporting agency but it shows the unauthorized inquiries through this agengy as well. I eventually got them rightfully removed but as mentioned above they are back. I would like to have them removed because they are not authorized to be there. I am very familiar the FCRA and my rights as a consumer and I no longer want this reflecting on my report. 

Name : XXXX XXXX XXXX : XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report 19 fraudulent accounts appearing on my consumer FICO TRANSUNION credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of 1 auto loan account and 18 hard inquiries : XXXX XXXX  XXXX under XXXX, XXXX XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

An account was opened with XXXX XX/XX/XXXX it was then forwarded to ENHANCED RECOVERY COMPANY for {$330.00} by XX/XX/XXXX.I disputed this debt with XXXX as XXXX as ERC and Transunion. This debt was removed from my credit report by Transunion on XX/XX/XXXX.on XX/XX/XXXX the same debt was forwarded to a different collection agency ( southwest credit systems ) and then sent to XXXX.Ive tried reaching out to XXXX customer service to get any information about the account and was told they did n't have anything. I was told that someone called XXXX gave them a name a social and they opened the account. XXXX did n't bother getting any identification any signatures nothing. I was told to contact the XXXX department which I did. I received an email from a XXXX explaining what she needed to prove the account was XXXX, proof of residency, I.D police report etc. I gave XXXX all of the information that I had except the police report because of the complication with jurisdiction and time frame. I requested to speak with a supervisor and all I got was an automated email from XXXX.at this point It believe XXXX knowingly opened a XXXX account with no relative information which in my opinion should be criminal. Also i may add that I 've never lived at the address the account was opened at
Product: Credit card

Tried to cancel my recently issued XXXX card ( ownership changed from XXXX to Barclay ) after XXXX phone call attempts to cancel with hold time totally & gt ; 40 minutes, the company told me they were not able to cancel at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen as part of the Equifax data breach during the summer of XXXX, which was first reported in XXXX, even though it was known internally at Equifax for several months. I have spent the better part of my day neglecting my job in order to find information on freezing my credit and other solutions that will prevent my identity from being stolen in the future. This has resulted in a decrease in hours, and a smaller amount of money earned.
Product: Credit reporting or other personal consumer reports

I reached out to Equifax via certified mail to inform them that inquiries were on my credit report that I didn't authorize, and they released my personal credit information without my consent. Equifax responded by sending me a letter stating that inquiries are factual and will remain on my report for 2 years. I sent another letter to Equifax requesting proof that I authorized the release of my personal credit information to the unknown sources listed in the inquiry section of my credit report. Equifax responded by sending me an identical letter to the first one which leads me to believe that this incident was never investigated, and Equifax is sending out automated responses to consumers. 

The following unauthorized inquiries are listed on my Equifax credit report XXXX 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
Product: Debt collection

these people sued me XXXX for a debt they say i owed XXXX and i lived in XXXX and did not receive service notice..they continue to take money from my account these people are crooks and need to be closed down.
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ).

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation.

I am disputing the following unresolved negative items on my credit report : XXXX XXXX - XXXX - {$4000.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress.

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX and 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX, XXXX XXXX # XXXX, and ARS Account Resolution # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/2022 and I am yet to get a response Regarding this debt from XXXX XXXX ARS Account Resolution, and XXXX XXXX  The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts. 

If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED SOMEONE USED MY INFORAMTION T OPEN THEM THEY USED MY PHOTO ID SOCIAL SECURITY NUMBER WITHOUT MY CONSENT SOMEONE STOLE MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

I have received a default/foreclosure notice from Ditech Financial for being {$32.00} off in a prior payment. Ditech has not provided any details in the reasons for the change in payment amount and when I called said that I could pay the {$32.00} only if I paid a {$12.00} surcharge.
Product: Credit reporting or other personal consumer reports

Hello, I am NOT doing well. I am VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these negative accounts are not mine. According to the United States code law 15 US code 1681 a ( 4 ), there are consumer rights to privacy. You are reporting fraudulent accounts that are not mine, which is infringing on my privacy. Congress says I have a right to decide what I did private. I deemed this negative accounts to be private. I do not want this information shared on my credit report. FDCPA807 states that these negative accounts are misleading false reporting.

Under 15 USC 1681B - permissible purpose of consumer report reports. The law states ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 US code 6802, I have the right to opt out of any information shared with a financial institution directly or through any affiliate, disclosed to a non-affiliate third-party, or any non-public personal information, unless such a financial institution provides or has provided to the consumer a notice which I have not received.
Product: Mortgage

I got a refi from Interactive Mortgage, signed closing docs on XX/XX/2020, supposed to fully fund on XX/XX/2020. Come Thursday XX/XX/XXXX, I emailed Interactive Mortgage, and XXXX XXXX who is the loan processor said there is an issue with my middle name and title. I emailed the loan agent who put it together, her name is XXXX, she was out of town till XX/XX/XXXX. Mind you I had asked them should I pay my mortgage since I don't want to be late on my current mortgage. No one reached out to me to let me know I should make my current mortgage payment. 
Emailed again to ask what is going, then got a call from XXXX stating due to some errors " human error '' her and the lock desk got my rate incorrect it should be 2.75 versus 2.625 which I signed and locked and to be funded on XX/XX/2020. So they won't close my deal because of their mistake! I signed and locked at 2.625, instead of eating their mistake they are stalling my loan and using a bait and switch tactic. It's XX/XX/XXXX, I was suppose to hear from the owner of interactive mortgage on XX/XX/XXXX, no one has called. My loan has stalled, who can help me and provide me any advice?
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX XXXX XXXX XXXX payments late year XXXX. In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Mortgage

I had a modified loan serviced by XXXX. For the most part of the life of my loan, I have always made my payments except for the months of XX/XX/XXXX through XX/XX/XXXX, when I was seeking a loan modification. At the time, I felt the balance on my property was way less than the market value and secondly, I was barely meeting my financial obligations due to other debt burden. 
I would like to say that for a period of 4 months I was put on a trial period where I was paying just enough for the Mortgage interest and escrow until the Loan modification is done. At the time of the Loan modification, it was explained to me that any outstanding payments was going to be rolled into the principal balance for a 40-year term. 
Looking at my statements, there was never a time where my escrow was not paid. My escrow payments for the past two years when added up, averages close to my property taxes and home insurance payments made by my mortgage company for the same period. 
About 3 months ago, XXXX transferred my mortgage to NationStar Mortgage. Just this week, I got a letter from NationStar Mortgage that my monthly payment has increased from {$1700.00} to {$2600.00}, an increase of about {$840.00} ( about XXXX % increase ) starting from XXXX/XXXX/XXXX. According to the notice, the reason for the increase, was due to a shortage in my Escrow for the amount of {$10000.00}. 
When I called NationStar Mortgage to inquire about the shortfall, I was told that the shortfall was a transfer from XXXX. I contacted XXXX and I spoke to one of the representation, I could not understood his explanation. I requested for statement history for my account and I was sent a file containing the statement that was so full of payments and reverse payments and adjustments that is pretty hard to understand. 
For me the timing could not have been worse, as I have been unemployed for the past six months. I am barely trying to stay afloat financially until I get a job. 
I would appreciate it if you can advise me on how to proceed with this issue or direct me to any organization that will be able to assist me. I have attached a copy of the letter and the statement that was sent to me by XXXX.