23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was sold to M & T Mortgage Co. as of XX/XX/XXXX. I called on XX/XX/XXXX to discuss the issues I had with the previous and original Mortgage Co. XXXX XXXX. 

I explained to the representative there is an error with the amount of taxes that were paid resulting in an escrow adjustment to cover the shortage which raised my mortgage payment by {$230.00} a month. I provided documentation to XXXX in XX/XX/XXXX after the spring taxes were paid. 

I called again in XXXX after receiving notification that my house insurance was paid and noticed that they paid the wrong amount. I provided documentation to them from my insurance company and they said it would be adjusted. 

I also asked them about the notification regarding the sale of my mortgage to M & T Mortgage in XXXX and was promised it would all be taken care of and my monthly payment would be adjusted back down rather than receiving an escrow refund check. They assured me it would be done before the sale but my monthly payment amount wasn't adjusted back down to the original amount. 

The M & T Mortgage Co. representative told me they could not take the lower payment amount without it being held in a special account and that they saw nothing in the records about the error or correction by XXXX. So I paid the higher mortgage payment amount in XXXX. 

They also told me that I had to wait for an investigation and an analysis of my escrow account and that it was expected to be completed in XXXX. But during that time I would not be charged late fees. I paid the higher amount in XXXX anyway. 

I called M & T Mortgage Co. back on Monday XX/XX/XXXX to get a copy of the investigation and the escrow analysis and was told that they did not see an escrow analysis or investigation notes and that I needed to talk to the Tax Department of M & T. 

I explained that I couldn't pay the XXXX payment because my car was broke down and I was having to get a rental car until it could get fixed. I explained that the Dealership had the car for one week and still hadn't even looked at it because they had no available technicians. I was told that the respite period ended on XX/XX/XXXX but they would waive the late charge for XXXX, which they did and provided me information about Mortgage Assistance Options and the number to call, which I did. 

I called the Tax Department. They told me to fax my documentation which included the error and correction by the county tax office and I did. They said it would take 5 days for the Research Dept to review. They scheduled a follow-up call with an update for Saturday XX/XX/XXXX but instead, I got a credit report alert stating M & T reported me to the credit bureau with a late payment! Which is going to damage my credit. 

According to the CFPB the servicer ( M & T Mortgage Co. ) is not allowed to send negative information to the credit reporting agencies for 60 days after notice of the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that I am a victim of Identity theft. I have contacted the three credit bureaus ; and tried to dispute the unauthorized inquires. All I have been told by Equidfax is that " the inquires were factual information '' ; that I would need to contact the companies to have them send a letter to Equifax and advise the to delete them. I contacted all of the companies ; most states that " you don't have any accounts, and they could not delete the inquires ''. Even though I advised them that my identity was stole. I was able to get letters from " XXXX XXXX XXXX, and XXXX ''. They stated that they found no accounts for me ; and that they would send correspondence to Equifax to have the inquires removed. i also contacted Equifax ; and was advised that they will not delete the inquiry ; and I have to wait until it fails off ; although I faxed over the letters that the company sent me ; stating that the inquires were indeed fraud and unauthorized. May you please help me in having these fraudulent inquires deleted? I placed a fraud alert on my credit report ; and am trying to rebuild after this. XXXX, is listed FIVE different times on my report. I don't have an account with them ; nor have I personally applied for anything with them. XXXX XXXX, XXXX XXXX, are also not authorized ; I contacted XXXX, and they also stated that I have no account with them ; and that they did not see an inquiry ; but I explained that it's on my credit report. I was a victim of FRAUD. Someone stole my info ; as you see I have no accounts with any of those companies. Please help me in deleting these unauthorized fraudulent inquires from my report. I contacted XXXX   and Equifax ; and they helped me with out a problem. 

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

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX I # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Co XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection balance on a XXXX XXXX loan for {$9200.00}. XXXX agreed to settle my remaining balance for one payment of {$2000.00}. I am attaching a copy of the settlement arrangement to this complaint. I paid the {$2000.00}. I am also attaching a copy of the XXXX XXXX money transfer. Despite paying the settlement arrangement, as agreed, XXXX XXXX refuses to update my credit report appropriately. Its been nearly 4 months since the settlement arrangement was made and funded, and they are still reporting to XXXX, XXXX, and Trans Union that I owe them {$9900.00}.
Product: Student loan

On or about XX/XX/2016 I contacted my student loan servicer, Navient and requested the following information be mailed to me : 1 ) Copies of my XXXX promissory notes ( aka copies of ALL original loan paperwork ) 2 ) XXXX schedules for each of my loans detailing the following balances/payment applications/account status on a monthly basis : a ) Beginning monthly balance ( starting with each loans origination date ) b ) Payments - including amount of payment applied to interest and principle each month c ) Interest charged each month d ) Ending monthly balance XXXX ) Loan status each month ( forebearance, current, etc. ) I was told I would receive all original loan paperwork, promissory notes, within 30 days. I never received this paperwork. 
I was also told they were not able to provide me with XXXX account details as they only retain such information for six or eight years. Given the recent news of Navients big fine for illegally appling payments, I now understand why I they did not provide me with this detail. 
I now ask for your help to compel Navient to supply me with this information timely.
Product: Credit reporting

I recently submitted a request for investigation of the following Accounts : XXXX # XXXX XXXX # XXXX. 
XXXX. # XXXX these accounts where disputed and never deleted. 
FCRA Act 609 ( a1 ) ( e2 ), 623 ( a1 ) violation please all accounts delete. 
This account is in dispute with the original creditor error please delete accounts. 


This which you DECLINED. I sent info for TransUnion or agent of TransUnion to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 

If you had investigated properly, no XXXX system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this.
Product: Mortgage

On XX/XX/2016 I refinanced my property. My title company wired my mortgage payoff to Wells Fargo on XX/XX/2016, the day of my closing, and the title company has confirmation of that wire transfer. Upon a review of my escrow account history with Wells Fargo, I saw that Wells Fargo withheld an additional {$130.00} indicating that it was because they did not receive the wire from my title company until XX/XX/2016. That is not true. 
Wires are received within 24 to 48 hours. They received the wire timely and did n't get around to processing my payoff until XX/XX/2016 resulting in their holding the additional {$130.00}. I requested that Wells Fargo review my account, and provide proof of when they actually received the wire and refund me the {$130.00} that they withheld in error. If Wells Fargo is behind in processing wires it should not be at the expense of the consumer.
Product: Checking or savings account

I went and logged into my account when my phone number changed so I couldn't do the two-factor authorization they required XXXX forms of identification I sent them the XXXX forms of identification XXXX times or more and they're saying it's not good enough because there is a slight corner piece cut out of or ripped out off of my social security number card it has nothing to do with the number or my signature you can visually see this well I told them I have nothing else they want to Bill I don't have a bill I live in a RV all my bills are paid into my rent I don't have any utilities I have sent them my driver 's license I've done everything I've tried to give them every card I have nothing is good enough it just keep telling me nothing nothing it just keep keeping my money from me I told them I only had {$50.00} to my name it's in that account I was hungry they are doing nothing but being rude to me closing cases and just refuse to let me change my phone number.. this is been going on for one full week today one week I've been begging to get into my account and I've given them every answer they wanted I did all of the secret questions I gave them the four digit code to my email and they still refuse no matter what information I give them they still refuse
Product: Credit reporting 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.

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Checking or savings account

I was a customer with Bank of America for over 20 years. Bank of America has decided to close my account. I was told the reason is an internal business matter and I will not be told why the account is being closed. The problem is there is {$2400.00} in the account that is owed to me. The {$2400.00} is from a check from my employer, XXXX XXXX of Michigan. I was told the account would be closed on several different dates. The first date was XX/XX/XXXX which was XXXX weeks from today 's date which is XX/XX/XXXX. I called XX/XX/XXXX and I was told the account will be closed XX/XX/XXXX after the company finishes their review process. I called on XX/XX/XXXX and I was told the account will be closed on XX/XX/XXXX after they finish their review process. I called XX/XX/XXXX and I was told the account will be closed on XX/XX/XXXX after they finish their review process. I've called Bank of America a total of XXXX times since the account was initially suppose to be closed and everytime I'm told the account will be closed on a new date after they finish the review process. I was also told there is no limit to how long they can conduct their review process. The dates I've called are XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX. The latest closure date I was told will be XX/XX/XXXX. XXXX frustrated and need help because I have no idea when the account will actually be closed and Bank of America will not send a check for the money that is owed to me in the account until the account is officially closed.
Product: Debt collection

I checked my credit report and Portfolio recovery Associates has two accounts reporting These accounts are not mine I have asked portfolio recovery associates for verification and all I have got is fake screenshots of billing statements for both accounts. I have no obtain the proper information for portfolio recovery Associates to collect. 

These accounts are also not reporting correct on my credit report, theyre reporting these accounts as open and a factoring company they are a debt collection company. 

Im asking for complete payment history the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 

Letter of sale or assignment from the original creditor to Portfolio recovery Associates.Letter of sale or assignment from the original creditor to your company. ( Agreement with the client that grants you the authority to collect on this alleged debt. ) XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX., XX/XX/2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Intimate knowledge of the creation of the debt by portfolio recovery I expect all reference to this account be deleted from my credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/, I sent a dispute letter to Experian challenging accounts that seem to be inaccurate. Within the letter, I stated that I would be submitting a CFPB complaint due to consumer law violations. There is incorrect personal information, inquiries, and accounts that have yet to be verified or explained. Please see the attached letter which is dated, and time stamped and complete an investigation to remove the inaccurate information you are reporting. At this time, I am only asking for the deletion, but I am aware that I can take this to small claims court due to FCRA violations.
Product: Credit reporting or other personal consumer reports

The following accounts must be deleted as they were opened without my consent. 

I have attached the ID THEFT reports for all of them. That is enough evidence proving they are not mine. 

They were opened without my physical signature. They were opened in a state I do not reside in. They were opened with an address I do not live at. 

Please delete these accounts because you are reporting fraudulent accounts on my credit report that are hurting my credit worthiness to be approved for lines of credit or buying a house. 

XXXX - ACCOUNT NUMBER XXXX XXXX - ACCOUNT # : XXXX XXXX - ACCOUNT # : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : **Account Name : XXXX XXXXXXXX XXXXAccount Number : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information has been included in both the XXXX data breach and XXXX 's. In the midst of this, my information was stolen and has apparently been used in many attempts by someone trying to open an accounts.
Product: Debt collection

In late XXXX or early XXXX of XXXX  I was in receipt of mail from Source Receivables in regards to an alleged debt owed in the amount of {$530.00}. At the time of this communication, this alleged debt had not been reported to any credit reporting agencies. I responded to this communication via certified mail requesting validation for this alleged debt on XX/XX/year>. This request for validation was mailed to and received at the address of headquarters and also the registered agent. After Source receivables was in receipt of my request for validation, I did not receive any further communication from this company regarding this matter. Upon reviewing my credit file with XXXX, XXXX, and XXXX in XXXX of XXXX, Source Receivables has reported this account to all XXXX agencies in violation of the Fair Debt Collection Practices Act ( 15 USC 1692g ( b ) ). This account needs to be removed from any and ALL reporting agencies that it has been reported to immediately as it is a violation of my rights as a consumer and this company needs to remove this account and all of my personal identifiable information from its records.
Product: Debt collection

Letter sent to me pertaining to my DEAD husband 's account. My husband died on XX/XX/XXXX ( almost 25 yrs. ago ). I believe the account was paid off, but I might be wrong. But I do believe there is a statue of limitations with debt collections. I would consider 25 yrs. within that limit. Also, it was sent to my current address that has never been associated with my dead husband at all. I am not listed on this account at all.
Product: Debt collection

On XX/XX/2024 at XXXX, I received a phone call from a XXXX XXXX XXXX XXXX stating 'I am contacting you in an attempt to confirm location information on a XXXX XXXX XXXX If you could be of any assistance, please contact my office at XXXX '. The woman never stated from what company she was calling about or what it was in reference to. 

Later that same day, I returned the call and left her a voice message stating, XXXX received a call from this number and that the voice message she left me was suspicious and there was no one by that name, at this number '. 

On XX/XX/2024 at XXXX, I received a XXXX phone call from XXXX XXXX XXXX XXXX stating XXXX morning XXXX, its XXXX XXXX XXXX XXXX XXXX Alliant Capital Management , and I will be in the office today until XXXX. Please contact me as soon as possible at XXXX. I legally can't leave any information on your voicemail which is why Im not. So please call me so I can't let you know what's going on '. 

On XX/XX/2024 at XXXX, I received a XXXX phone call from a XXXX XXXX XXXX stating 'Good afternoon, this is XXXX XXXX and I'm contacting in an attempt to confirm location information for XXXX XXXX XXXX If you could be of any assistance, of if I have the wrong number, please call me back at XXXX '. Again, this woman never stated from what company she was calling about or what it was in reference to Here there are SEVERAL VIOLATIONS of the FDCPA : in the first voice message, the woman XXXX never identified the name of the company as she later did in her XXXX voicemail. In addition, she NEVER stated that the purpose of the call was for the purpose of collecting a debt, which is required by any debt collection agency or company when contacting a consumer for that purpose. And the only reason I found out it was the purpose of a debt, is because I googled the number and name of the company and it states, 'Debt Collection ' on their website. The second violation is in the 2nd voicemail when she states that she legally cant leave any information on my voicemail which is why she didn't. 

Clearly, these are tactics that Alliant Capital Management are using and have been using for years, by leaving a vague message as to induce worry or fear in the consumer, in order to get them to call back. It doesn't work. 

Additionally, I received a few calls from XXXX ladies, who happen to have the same last name as me, indicating that they received voice messages as well, by a lady asking for location information on me. However, there are extensive other listings of other people with my same name. 

Furthermore, this company already has over XXXX complaints on the XXXX  for violations, plus they are not even accredited by the BBB. They need to be sanctioned and sued for violations of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a method of verification request to the credit bureaus and all they have sent back to me was the account was verified, or that they have updated information in my credit file with the note : NOT SPECIFIED. I then sent another dispute letter regarding all incorrect, inaccurate, unverified information on the account " XXXX XXXX XXXX '' ( XXXX ). The creditor has " updated the information. I recently I have noticed that XXXX has not shown any time that I have disputed information with them in the past. XXXX  has stated that they do not provide the documents that are required for proper verification. So I am lost, if the FCRA indeed states that method of verification is indeed the credit reporting agency obligation, then why come XXXX, XXXX, and Equifax can tell me anything different?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX/DEPT OF ED XXXX Balance : {$2400.00} XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX/DEPT OF ED XXXX Balance : {$9000.00} XXXX/DEPT OF ED XXXX Balance : {$9000.00} XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX/DOFED XXXX Balance : {$9000.00} XXXX/DOFED XXXX Balance : {$4000.00}