23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was with XXXX Mortgage from XX/XX/2020 until XX/XX/2020. The loan was sold to Nationstar Mortgage effective XX/XX/2020 XXXX paid {$29.00} interest on my escrow account and reported the same to the IRS on a 1099 form. Nationstar Mortgage paid {$5.00} interest on my escrow account, however reported {$35.00} to the IRS on a 1099 form. THIS IS A MISTAKE AS THEY REPORTED WHAT THEY DID NOT PAY. As a result the interest I made on this escrow account has been falsely reported to the IRS, therefore it will screw up my tax return!
Product: Debt collection

When I tried to make a payment 3 yrs ago this BANK OF AMERICA would not accept the payment with my debt card. They insisted a checking account information, I do not give out my checking account information, I attempted 3 times to make a payment. They could never explain as to why after several month of me making payment on my account on time and using my card why it was stopped. When I refused to use a checking account they blocked usage. after 3 years now. they Contacted my SON at his play of employment, this harassment is WRONG,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion are reporting late payments for account XXXX XXXX XXXXXXXX XXXX. I was never late on this account, and the information is inconsistent between the XXXX credit bureaus. They were notified twice to validate that this account is reporting accurately on my credit report, but they have failed to do so. I will attach a copy of my credit report to show the inconsistencies between all XXXX bureaus. I have tried to have this information corrected for over 2 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. My credit report also has a statement confirming that they've opened the dispute, but I have received nothing to validate this late payment in which I know I was never late. Saying that it was verified by the creditor is unacceptable. This is my credit ; my livelihood and I have the right to see sufficient documentation proving this to be accurate. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. I will include the letter as well as the time stamp. Please conduct a proper investigation and update this account.
Product: Debt collection

I'm a victim of identity theft, and the inclusion of inaccurate information on my credit report, especially the unauthorized account, are causing immense emotional distress. I urgently seek your assistance in promptly blocking these accounts.
Product: Credit reporting or other personal consumer reports

The vehicle was sold at auction on XX/XX/XXXX. XX/XX/XXXX, the XXXX XXXX XXXX account was removed. However, the account was opened again on XX/XX/XXXX, and appeared on my account again recently as if it was a new open loan with immediate repo.
Product: Vehicle loan or lease

XXXX is my complaint number. They responded but nothing has been resolved
Product: Checking or savings account

On the evening of Tuesday XX/XX/2021 I deposited a check into an ATM at my bank for the amount of {$600.00}. The check is a stimulus check from the U.S. Treasury. During the transaction the ATM machine malfunctioned and crashed. My check was taken by the machine as well as my ATM card and my bank is not acknowledging it's existence or crediting the account. They are not helping me. Just giving me run around. I want my check returned or the funds to be made available. The ATM scanned my check and showed a picture of it on the screen so I know they have record of it.
Product: Credit reporting or other personal consumer reports

Dispute of XXXX  Due to Identity Theft ( FCRA 605 ( b ) ) Dear All Credit Reporting Agencies, I am writing to formally dispute the inclusion of a bankruptcy on my credit report. This XXXX  was filed fraudulently in my name without my knowledge or consent and is a result of identity theft. Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting its immediate removal from my credit report.

I have enclosed the following documentation : 1. Identity Theft Report : A copy of the FTC Identity Theft Affidavit and/or a police report detailing the fraudulent activity.

2. Proof of Identity : Copies of my government-issued photo identification and a utility bill or bank statement as proof of residency. Under FCRA 605 ( b ), a consumer reporting agenc
y is required to block information resulting from identity theft from appearing on a consumers report within four business days of receiving : 1. Proof of identity, 2. A copy of an identity theft report, 3. Identification of the fraudulent information, and 4. A statement from the consumer affirming the fraud. 

This is my formal request to investigate and remove the XXXX  from my credit file. I also request written confirmation of the results of your investigation and an updated copy of my credit report showing that this fraudulent information has been removed. Failure to comply with FCRA obligations may result in legal action to enforce my rights. 


Sincerely, XXXX
Product: Mortgage

Greentree Servicing attached force-placed insurance to my mortgage payments twice since the loan was taken out in 1997. After providing the new policy to Greentree in each instance, Greentree then tacked on an additional {$800.00} onto my loan each time ( for a total of {$1600.00} ) and when I inquired, they said that even though I secured private homeowner 's insurance, that I had to finish paying for their policies. This does not make sense as they were charging me over {$200.00} per month for their force-placed insurance. 

I am a paralegal and have been for over 30 years. I have done been involved with many foreclosures and loan closings. I feel Greentree 's insurance division has not only overcharged me, but I believe that Greentree has not properly credited my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection that was recently added for XXXX XXXX XXXX for the amount of {$210.00} by Eastern Account Systems. I have contacted them about this collection but Eastern Account is saying they did not report this and have no record of it. I also contacted the medical facility and they don't show me having a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX Macys XXXX XXXX credit card was removed from my credit report, because of fraud. In XXXX XXXX XXXX placed the account back on my credit report with a new account number. At current this fraudulent information is affecting my credit score. XXXX XXXX is in Violation of Federal credit laws include the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). I would like for this company to remove this information from my account immediately.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its illegal obligation under the Fir 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 consumers 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. 

SEE ATTACHMENTS
Product: Checking or savings account

I had banked with Wells Fargo before they were Wells Fargo I had my checking & savings account since 2001 when they were Wachovia. Later bought out by Wells Fargo. That being said, I NEVER had a monthly fee of any kind. 
Long story short, my home burnt down leaving me Homeless in a tent in the woods. Which also means No address to receive any mail and my cell phone was also burnt in the house fire. 
When XXXX started I was wondering why everyone I spoke with had received their STIMULUS CHECK ~ HOWEVER I had NOT. So I borrowed someone's phone to call Wells Fargos customer service ONLY to find out they had " supposedly " sent me a letter informing me I will start being charged {$10.00} each month my account doesn't have a certain amount balance. 
I never received such information due to the fact I have NO address to receive any mail. 
Needless to say, Wells Fargo CLOSED MY account. I wasn't aware of. 
DUE to the fact my account was charged $ XXXX  monthly fee and I ONLY had {$9.00} in my account. Therefore my account was CLOSED MY STIMULUS CHECK was sent back and Wells Fargo put a BAD MARK AGAINST MY CREDIT FOR {$1.00} THANK YOU for reading my story, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried transferring money from my XXXX to my Chime account. The amount was for XXXX on XX/XX/XXXX. I called XXXX to see what was going on as the money is usually there by the end of the business day. XXXX informed me that chime denied the transaction with the line " Non transactional account. '' When I called Chime they denied even having a record of the transaction. I asked for a supervisor and put on hold. The supervisor then acted like they couldn't hear me and I ended up having to hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for chXXXX as a result of medical billing. The discharge was granted XX/XX/XXXX and we began the process of rebuilding credit. I applied for a credit card with a particular company on XX/XX/XXXX - AFTER the discharge, important point here. Upon receiving the card and reviewing Terms I choose to not use the card and the account closed without use in XX/XX/XXXX. 

Experian shows the account reported by the particular company as being discharged as part of the chXXXX AND having a late payment in XX/XX/XXXX. Both of these are impossible. An account that was opened on XX/XX/XXXX CAN NOT have a missed/late payment in XX/XX/XXXX. An account that was opened on XX/XX/XXXX CAN NOT be discharged as part of a court event that took place on XX/XX/XXXX. In both instances the account did not even exist. This is ludicrous. 

I disputed this twice to Experian. The first time they said the particular company said, " Nope, the info is correct. '' So I disputed a second time with dates and screenshots from their report and my discharge papers to prove the dates showed it was impossible to have a late payment and be part of the discharge. Somehow the second dispute investigation came back saying, " Nope, you bankruptcy was confirmed by the court. '' Are you kidding me? Is this that hard to understand and correct? This entity is responsible for credit reporting. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This is regarding novo bank, XXXX XXXX closed our account without any reason and mentioned they would send the check in XXXX to XXXX  days, XXXX months passed, no check was received nor tracking number given. We have mailed number of times, but no avail account no XXXX routing no XXXX dme billing enterprises llc
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 Balance : {$190.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Unauthorized and fraudulent entries persist on my consumer report despite my documented identity theft claims. Your continued reporting of these items violates federal identity theft protection laws and the Fair Credit Reporting Act. 

You must delete and block all fraudulent entries within 4 business days. Failure to comply will result in immediate legal action seeking : - Statutory damages of {$1000.00} per violation - Full recovery of actual damages - Attorney fees and court costs
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Experian to removed 3 accounts I didnt authorized to be on my consumers report under 15 USC 1681b ( a ) ( 2 ) and Experian failed to do an investigation and removed the accounts
Product: Mortgage

It started with XXXX XXXX XXXX, XXXX XXXX. XXXX. Now Real Time Resolutions is involved. They have tried to deceive me to sell my home and money. In XXXX XXXX XXXX and XXXXXXXX XXXX really mess up my loan. By putting mortgage in a Securitized Trust. I applied for a Loan Modification with XXXX XXXX and was approved XX/XX/XXXX. Right after that XXXX XXXX Transfer Servicing to XXXXXXXX XXXX My first statement said I had to pay {$9500.00} when it should have been {$390.00}. From that point it has been downhill. Within four months after my Modification XXXXXXXX XXXXe said I was in default {$11000.00}. They never prove to me how I owe that amount. I was forced to file Bankruptcy. It was very hard at time trying to keep up with arrears payments and regular payments. Then they forced insurance on my in their name. I would send payments and they were not applied. Then again, I was forced to file Bankruptcy it has ruined my credit. Less than a year after my loan Modification. I received a letter XXXX XXXX stated I was in default of a loan on behalf of XXXX XXXX in the amount of {$16000.00}. XXXX put in a claim that was Denied. They had presented so many different documents some was XXXX Mortgage as creditor and then XXXX XXXX as Trustee as creditor. Also, not providing a completed escrow statement and what was actually paid from escrow balance. Next XXXX made up an Assignment from XXXX XXXX to whom they supposedly were Servicing Loan for XXXXXXXX XXXX as Trustee. I contacted XXXXXXXX XXXX and they confirmed they had No affiliation with my property. Now just a month Ago another Assignment of Deed of Trust was filed Stated XXXX XXXXas Trustee has Transferred Deed of Trust To Real Time Resolutions INC XXXX XXXX. In XX/XX/XXXX XXXX XXXX  as Trustee stated No affiliation with mortage. Real time Resolutions has sent me over One Hundred Collection notices the month after my XXXX XXXX Discharge XX/XX/XXXX I didn't know who they were. No Assignments filed until XXXX XXXX on XX/XX/XXXX I received a Letter from XXXX XXXX XXXX that they have been appointed Trustee of the Deed of Trust to Foreclose on my home. It is so much more they have cause me so much Distress
Product: Credit reporting or other personal consumer reports

JPMCB CARD Account type - Credit card Date Opened - XX/XX/2014 Above Account created under JPMCB CARD without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Mortgage

I am the original borrower on a XXXX  mortgage which is managed by Freedom Mortgage. Last XX/XX/XXXX, my XXXX was finalized and the judge awarded me the home which is clearly stated in the divorce decree. In XXXX, XXXX a Quit Claim deed was filed and approved XXXX XXXX. After the Quit Claim deed and divorce decree were submitted to Freedom mortgage they refused to honor the court order and said that the only way to remove the co-borrower is through a refinance. After months of calling Freedom mortgage it was finally suggested that I file an assumption to remove my ex-wife from the loan. I submitted an assumption with Freedom Mortgage and it was approved and processed on XX/XX/XXXX by Freedom Mortgage. I was not aware and had never been informed by Freedom Mortgage that after filing an assumption my account would be deleted and I would no longer have online access to my loan. I have contacted Freedom Mortgage multiple times to have my account re-instated but have been told that the only way that I can manage my account is over the phone or by receiving documents through the mail. They have said that this is to protect the borrower from the co-borrower which doesn't make any sense because legally the co-borrower has been removed from the property through the Quit Claim deed filed in XXXX XXXX, tax assessor, and assumption filed with the mortgage lender. I am the original borrower on the XXXX loan and am being told that I no longer have online access to my account because we filed an assumption. There is no reason why Freedom mortgage can not create a new online account for me to continue to manage my loan if the co-borrower has legally been removed from the account. Freedom Mortgage also said that the only way for me to fix this would be to re-finance the loan which is absurd considering that the interest rates are now more then double almost triple what my interest rate is currently. Freedom Mortgage told me that this is a known issue but they will not change their policy or make any effort to fix it. So in summary any individual that files an assumption with Freedom Mortgage loses all online privileges to their account.