23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Reference : Case number : XXXX still not resolved My name is XXXX XXXX, resident at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, and the reason for my complaint are listed below : I bought my property at XXXX XXXX XXXX in XXXX. 
Until XXXX my mortgage loan # XXXX lender XXXX Bank. 
On XXXX XXXX, XXXX we received a letter " Notice of Assignment, Sale or Transfer of Servicing Rights '' from XXXX Bank, to Specialized Loan Servicing ( SLS ), effective XXXX XXXX, XXXX. 
XXXX See Doc. # XXXX attached On XXXX since I did not receive any writing communication from SLS I sent my payment to XXXX Bank, but it was not accepted, they confirmed that where to send the payment to SLS and we did with certified letter. 
Our last statement from our mortgage loan was XXXX from XXXX Bank. 
XXXX See Doc. # XXXX We wrote so many letters and did so many phone call requesting our " monthly mortgage statement '' that were unsuccessful, with promises that never where delivered. 
We sent every month our payment and every payment were cashed by SLS, even though we are getting every month letter that we are behind. We sent every month payment with a letter with a full description where to apply the payment. 
XXXX See Doc. # XXXX list of monthly payment Not be enough to make monthly payment to keep proving that the payment was done, that we are fighting to get monthly mortgage statements, now I have to prove that we made the payment and maybe get a lawyer and spend what we do not have. 
XXXX See Doc. # XXXX " Notice of Default and Notice of Intent to Foreclose ''. 
I think if we have a Department that is in charge of fraud it is time to act, because we are not The only ones with this problem with SLS, just go online and search how many people are dealing with SLS and they are crooks, that somebody must stop to ripe people off that are working honestly to make their house payment. 
WE DEMAND OUR MONTHLY MORTGAGE STATEMENT THAT IS OUR RIGHT, Nobody will keep Sending monthly payment for 20 ( twenty ) years without knowing where the money is going, and with no monthly statements that you can check where your money is posted. 
Beside all above now they are saying that we have shortage of escrow with no statement We hope that as a Commission that was created to avoid MORTGAGE FRAUD, you will take action and stop SLS, and what to do since this is an ongoing situation with no resolution whatsoever. I am enclosing complaints from other customers.
Product: Credit reporting or other personal consumer reports

I submitted a claim to the Equifax data breach settlement site. I confirmed with the online tool that my information had been inpacted by the breach. The settlement company said they could not find my information. I asked for an appeal, they said they would and now they are not getting back to me. Over the last 6 months, I have asked many questions of the settlement company, XXXX XXXX, the responsible party appointed by the court for distribution of the Equifax data breach settlement funds, to no avail. I asked why their information was different than their online tool for confirmation, and no one could or would tell me. I asked who I needed to contact to get this info, and again no one could or would tell me, After many phone calls and many more hours trying to fix what has destroyed my life, right down to reporting identity theft that has cost me my business and a home, I'm at my whits end with no place to turn and no answers, no reimbursement for time spent trying to clean up XXXX report that is still not correct. 
Seeings how my information says I was inpacted by the online tool that then tells you to contact XXXX for credit monitoring, I honestly feel this is yet another scam and a way for Equifax to redeem some of their lost funds from the lawsuit, as Equifax was to pay {$120.00} for each person that opted out, or they could contact XXXX and get for free. Neither of which did I receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$5900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the inquiries belonged to me the first time you reported the account on my credit report. Your failure to properly verify these inquiries has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the account : XXXX XXXX Debt Inquiry Date : XX/XX/year> ( Unverified account ) XX/XX/year> ( Unverified account )
Product: Credit reporting or other personal consumer reports

My information was used fraudulently. XXXX XXXX XXXX XXXX collections account was opened on XX/XX/XXXX reporting a balance of {$3700.00}. I have no idea from what debt this is even for. Also, XXXX was opened on XX/XX/XXXX reporting a balance of {$0.00}. I never opened this account a day in my life. XXXX XXXX opened on XX/XX/XXXX reporting a a balance of {$690.00}. All 3 of these accounts were not opened by me i was never aware of any of these accounts until reviewing my credit report this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone Please help, I XXXX have been sending letters to the credit bureau about information that was incorrect and have received no responses. I dont know how long these inaccurate and unknown items has been on my credit report but its been over 62 days and I have not received a response yet. I have given them 2 months to give me an answer and I till wait. I feel that everything that I have dispute should be deleted immediately or I will file for litigation is due to the stress you caused me. My information was impacted by the Equifax data breach it may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION 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 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.

TRANSUNION 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
Product: Vehicle loan or lease

BRIDGECREST FORMERLY XXXX  XXXX XXXX XXXX XXXX, AZ XXXX  ( XXXX ) XXXX XXXX  is reaging my account. On my credit report it shows that I made a payment on XX/XX/XXXX. After submitting a dispute to the credit bureaus on XX/XX/XXXX and providing proof from my bank statements showing that no payment was made, they advised that I would need to take this up with the agency.

I have sent them certified letters on XX/XX/XXXX and XX/XX/XXXXin regard to validating the debt ; no has responded to me or the letters come back because the XXXX that they advise me to send this to is not a valid address.
Product: Credit card or prepaid card

I had an agreement with Bank of America over the phone, they have recorded the conversation as well as I did ( this happen by the end of last month ) then on XX/XX/XXXX I got a letter where they state they were closing my credit card account ending in XXXX as a result of this agreement but that wasn't part of the agreement and I don't want my account to be closed, I had made a payment according to the agreement and then they withdraw the same amount, I was very specific about letting the agent ( a woman ) about not duplicating withdraws but they did, Note : the agent was the most professional and polite person from Bank of America in recent years but still they mistakes about withdrawing were done and closing account wasn't mention on that conversation. 

I am requesting please do not close my account I prefer to decline on your offer than affecting my credit even though I don't even have a social security number your balance will be paid as agreed or in full and please return the duplicated withdrawal. 

Bank of America account : XXXX Letter and transaction details are included in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Full name : XXXX XXXX Social Security # XXXX Date of Birth : 1XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XX/XX/XXXX, and XX/XX/XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 



XXXX {$1800.00} XXXX {$2700.00} XXXX XXXX {$330.00} XXXX {$1800.00} XXXX {$1000.00} XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX {$1600.00} XXXX {$1200.00} XXXX {$730.00} XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX {$1400.00}
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX To Whom It May Concern, I am writing to file a complaint against veteransloan.com, a mortgage lender, for discriminatory practices based on immigration status. On XX/XX/2023, I applied for a mortgage with veteransloan.com, and I was pre-approved for the loan. However, on the week that I was supposed to close on the house, my application was denied on the basis of my wife immigration status. 

I believe that this denial was in violation of federal anti-discrimination laws, specifically the Fair Housing Act and the Equal Credit Opportunity Act. While my wife not a U.S. citizen, she has a valid Social Security number and have been a legal resident in the United States for about 2 years. I provided all necessary documentation to verify my income, creditworthiness, and identity, but my application was still denied.

I am concerned that veteransloan.com may be engaging in discriminatory lending practices based on immigration status, which is unacceptable and illegal. I request that the CFPB investigate this matter and take appropriate action to ensure that veteransloan.com is complying with all applicable fair lending laws. 

I have attached copies of all relevant documents related to my mortgage application, including my pre-approval letter, denial letter, and supporting documentation. Please let me know if you need any additional information to investigate this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I initiated voluntary repossession with Credit acceptance because I was sold a clunker. They applied the deposit my credit. Took it off after they sold the vehicle and XXXX put the vehicle on my report again for the original amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered today that there were multiple fraudulent hard inquiries on my credit reports. This is the second time this has happened, previously near the end of last year, someone successfully applied for a credit card in my name from XXXX  XXXX XXXX, and they also attempted to submit a forward address request with the USPS. I contacted both services and submitted complaint reports, XXXX  XXXX XXXX canceled the card ; however, USPS was not able to provide any useful information regarding the change of address request and was only able to cancel the request. So I do not know who where they were trying to forward the stolen card. 

TODAY, I discovered XXXX hard inquiries on my XXXX report from XXXX XXXX and XXXX XXXX XXXX, made on XX/XX/XXXX and XX/XX/XXXX respectively. These are also fraudulent, I attempted contact with the banks but they are closed on the weekend. I made contact with XXXX to verify the information and remove old information, I also placed a freeze on my credit with them. They said they can not dispute the hard inquiries from their side and I need to submit a report with the FTC, but I will be unable to report to local authorities due to not knowing the jurisdiction where they fraud attempt took place. 

On my XXXX report, I discovered another fraudulent hard inquiry from XXXX XXXX XXXX  made on XX/XX/XXXX. They were also closed over the weekend and I am unable to currently get in contact with them. I contacted XXXX, disputed the report and froze my credit with them. 

I attempted to access my Experian report, but I was unable to make an account. It appears the scammer made a fake account with Experian under my name, as they used an old email and I discovered an email in my inbox welcoming me to Experian. I am unable to make another account and I can not change the password of this fraud account because I do not know the answers to the fake security questions and having email access is not enough. My email is already on double verification, so no outside access has entered my email. I attempted to contact Experian, but they have nobody answering any lines over the weekend. 

I need a case number reference this incident and I also would like to list a complaint that Experian has zero weekend support while the other two Bureaus at least have customer service. 

My direct email is XXXX and my phone number is XXXX. The scammers are using an old address out of XXXX, when I was stationed in the XXXX, and any help handling this situation would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I pulled my credit report with  XXXX  and all   XXXX   credit agencies came up. However when a mortgage lender pulled it.  XXXX   XXXX   XXXX  and  XXXX   XXXX  pulled it, both said that Transunion is not showing on my account. I contacted Transunion on Friday  XXXX   XXXX  and Monday  XXXX  to discuss and they advised that I am registered with them and should have a score due to their system having a score. I advised them that I do not have a score after trying numerous times. Not sure what to do but I am looking to open a home loan but t his one problem is preventing me from proceeding with get a home loan. Please help Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take. timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions XXXX have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft, as confirmed by a recent data breach. Due to this incident, my personal information was compromised, resulting in fraudulent accounts being created in my name without my knowledge or consent. In accordance with the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting that the following accounts be blocked and permanently deleted from my credit report. 
Please find the list of fraudulent accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

All 3 credit reporting agencies will not remove old hard inquiries, as well as recent hard inquiries where I had multiple credit inquiries for a single transaction ( e.g. car purchase ). It is standard business practice for the credit reporting agencies to treat multiple credit inquiries as to the same transaction as only one inquiry. On 2 occasions, have had multiple inquiries ( which I only authorized one ) all counted in my credit score that has since significantly reduced. Equifax, for example, shows 19 hard inquiries. I have now been denied credit on this basis when my credit is otherwise perfect. At least 10 of these inquiries related to single transactions or are older than 2 years.
Product: Credit card or prepaid card

I have a Ashley Advantage credit card through Synchrony Financial, I made two separate purchases at different times, when Synchrony posted my purchases on my online account I set up an auto payment of {$140.00} mth, I wanted to know how my payments were going to be allocated - split between the purchases because Synchrony Financial doesn't show them on the statements where they are posting the monies. I called the billing dept. after the second purchase and I was told they would take my payment and split it between both purchase posting the minimum payment and the extra monies would be put toward the payment with the deferred interest purchase. 

On XX/XX/XXXX I login in on my online account and decided to call & ask what my balance is on each purchase since they don't show it on the statement. This is when I was told differently that my {$140.00} mth payment is only being applied to my first purchase that is interest free and NO MONIES is being posted on my purchase that has a deferred interest for XX/XX/XXXX. I blew my top and said this is wrong, this is how they are socking back interest to customers because they aren't splitting the payments on the accounts, customer service stated there isn't a way to allocate payments online and I would have to call in on a month basis to do that which is insane! They told me I should call the Ashley 's and talk to them. 

My first purchase has NO interest until paid in full and the 2nd purchase has NO interest for 12 mths SO XX/XX/XXXX is when the interest will start if not paid in full and NONE of my monthly payments since XX/XX/XXXX have been posted toward the purchase that has the deferred interest.
Product: Credit reporting

I signed up with Experian Credit reporting, paid the fee and I received a credit XXXX score of XXXX when I applied for a loan the same company gave me XXXX score of XXXX, which caused me not to get the loan. The XXXX would have allowed me to get the loan. I am going to have to pay again to get the mortgage score again when I close the loan. I am being defrauded by Experian Credit Reporting company by paying for the scores which are different If i did work for some one and charged two times for same job, the I could be charge with fraud. Am I right or wrong.
Product: Credit reporting or other personal consumer reports

After careful review of my credit report, I realized that Law 15 USC 1681E was violated. This information was obtained through a debt buyer that I'm certain does not have my XXXX XXXX signature.
Product: Mortgage

Rushmore has referred my home for foreclosure my loan was securitized and place in a trust where XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the alleged trust. The assignment are fraudulent and robo sigend and they were conveyed after the cutoff date of the loan trust, they have refused to work a modification on my loan, i dispute the said balance and i do not believe that Rushmore or the trust name herein are the rightful party of interest in this matter. I have removed the power attorney from the borrowers waive of rights in XXXX XXXX records and Rushmore/ XXXX Trust do not have permission to foreclose.
Product: Vehicle loan or lease

My XXXX XXXX XXXX XXXX was totaled in an accident in XXXX of XXXX. Ally and XXXX XXXX XXXX XXXX are refusing to take accountability for totaling the vehicle which has led to this writer having to pay fines from the state of NJ. Furthermore, Ally decides to harrass both the father and this writer with phone calls demanding {$16000.00}, yet they would not respond to any of my previous correspondences from XXXX of XXXX to present that would have prevented this issue from evolving to where it is currently.