23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern XX/XX/XXXX Dear Sir/Ma'am, I have been trying with no success in endeavoring to obtain a loan modification since XX/XX/XXXX. I am in the XXXX ( I am a XXXX ) and thus, am very knowledgeable on what a successful loan modification submission should entail. That said I have now definitively learned that no matter what my financial where wherewithal is ( and it is very, very solid currently- I can easily make my full payments even if no modification is offered ) I now learn that OCWEN , through their investor, XXXX XXXX `` does not have the contractual authority to modify ( my ) loan because of limitations in our servicing agreement. '' It is worth noting that such disclosure relative to XXXX XXXX 's lack of loan modification participation was not disclosed to me prior my purchase XX/XX/XXXX, a clear RESPA violation XXXX nor was this non-participation disclosed to me during the over XXXX loan modification submissions I have submitted since XX/XX/XXXX. It is also worth noting that XXXX XXXX has retained this loan since the time of inception- it was not sold to any other third party nor has it been serviced by any other lender than XXXX XXXX XXXX XXXX . In addition I 've tried everything to get this mortgage company to help me keep my home. which they informed me they are retaining, and also that they are moving forward with the foreclosure sale. 
They humiliated me and compelled me to reveal all of my financial dealings, knowing full well that at the end of the day, what I was seeking was impossible. So they take my money, they take the Obama money, and bulldoze my rights. If it was impossible for me to EVER obtain a loan modification, why act like it was feasible. It is and was cruel on their part, time consuming, and conduct one would not tolerate from a XXXX year old, much less a fortune XXXX firm. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address thats not supposed to be on my experian and XXXX consumer reports. The address is as follows : I have never lived there in my life. Ive lived at the same address for almost 20 years. Ive already tried to dispute this matter before about this address and they havent removed it. This could possibly be a matter of fraud or id theft. 
I would like the address deleted from my experian and XXXX reports immediately please. According to fcra laws they are required to report ONLY 100 % TRUE AND ACCURATE and this is blatantly not true or accurate. It would be negligent to blatantly leave this false information on my report Address for is Experian : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Address for XXXX is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CT XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> EQ 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I have an account with Earnin.com. I am trying to terminate this account. I contact the company through their online chat. I was told, I could not close the account. I send the company an email instructing them to close the account and a related account at XXXX XXXX  XXXX XXXX. I sent this email to the email address listed at the XXXX website. That address is XXXX. After I sent the email, I received an automated response email saying " we're no longer monitoring this mailbox. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After disputing account XXXX XXXX XXXXXXXX XXXX XXXX multiple times I filled complaints with CFPB for the account with Transunion, XXXX and XXXX. Complaints and complaint results are attached. All three claim to have verified and updated the account, however, the account still has inconsistent information with all three bureaus which include, the high credit, credit limit, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.
Product: Mortgage

My original mortgage was serviced by XXXX XXXX XXXX XXXX  and later transferred after I refinanced in early XXXX. Currently my mortgage is serviced by Freedom Mortgage Corporation. In XX/XX/XXXX I received the escrow account disclosure statement ( attached ) indicating my account had a Shortage Amount in escrow due to an increase in taxes or insurance. To avoid changes in my monthly Mortgage payment I elected to pay the Shortage Amount in full, {$240.00}, with my XX/XX/XXXX payment and contacted Freedom Mortgage to determine the best method for payment of the additional amount. My XXXX payment included my current mortgage amount, {$2100.00}, plus the {$240.00} shortage payment. See Mortgage Statement dated XX/XX/XXXX attached. 

In spite of the Shortage payment made in full to reach the required minimum balance in Escrow with my XXXX statement, I noticed in my XXXX Statement the Escrow amount shows an increase of {$43.00} ( {$420.00} to {$460.00} ). I dont understand why, nor has ( Freedom Mortgage ) the mortgage servicer been able to explain satisfactorily the increase. 

The Escrow Account Disclosure Statement indicates the Projected Minimum balance and the Required Minimum balance to determine the Shortage Amount. By paying the Shortage amount I shouldnt have the shortage spread automatically over the next 12 months or an adjustment to my currently mortgage payment amount of {$2100.00} without any data to support the adjustment. 

Please see attached statement XX/XX/XXXX as a point of reference for my original loan amount before the XX/XX/XXXX increase. 
The contact person ( Escalation Specialist ) I spoke with at Freedom Mortgages name and information is : XXXX XXXX Email : XXXX Ph. XXXX or XXXX ext : XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was involved in an accident and my vehicle was deemed a total loss. 
I reported that to Ally and continued to make payments. 

My insurance claim XXXX sent over a the first request for a letter of guarantee on XX/XX/XXXX. The followed up with the XXXX request on XX/XX/XXXX then the third one was on XX/XX/XXXX and the XXXX one was on XX/XX/XXXX finally they sent the LOG on XX/XX/XXXX the insurance settlement check was presented for payment on XX/XX/XXXX in the amount of {$37000.00}. Primarily due to the delay that Ally caused in processing the XXXX of XXXX. 

My insurance settlement check was issues and sent to Ally on XX/XX/XXXX via wire transfer. 
Payment Information Disbursement Number : XXXX Total Amount : {$37000.00} Draft Number : Invoice Number : XXXX Pay to the Order of XXXX XXXX XXXX  Mailing Address : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Payment Of : Progressive Invoice Number : XXXX Ally didn't apply the payment until XX/XX/XXXX. Additionally I made a payment of my account on XX/XX/XXXX for {$450.00} which would stop me from being past due. The current status of my account is not past due. My account was not past due because I made a payment plus Ally had received my insurance settlement before the 30 days. If it was done after the 30 days it was due to Ally 's delay in processing everything else. 

Lastly on XXXX/XXXX/XXXX I called Ally on a recorded line and spoke to their rep asking if they had reported me 30 days late or past due and he verbally confirmed that I was not reported past due.
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 XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$14000.00}
Product: Debt collection

SEE ATTACHMENT URGENT REQUEST PLEASE DELETE THIS FRAUD ACCOUNT OFF MY CREDIT REPORTS -XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I am the consumer. A natural person, allegedly obligated to pay a debt according to 15 USC 1692a ( 3 ). 

This Account # XXXX is showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer reports immediately. 

My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumer 's informed use of credit. At this time this alleged consumer credit transaction was entered on XX/XX/2019. I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to your Company lack of disclosure and your unfair, deceptive, and misleading practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was notified by  XXXX    XXXX   which purchased the account from  XXXX   XXXX  that I had a voluntary auto repossession account with them, I disputed this account. Then I notified the  XXXX  credit bureaus once the company was unable to prove that this account was mine, but they refuse to remove it from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXX.
Product: Debt collection

I received a call from 'Wakefield & Associates XXXX, phone number : XXXX The message stated I had an outstanding balance with my local hospital. I have them no information, and upon contact with my local hospital, I had no outstanding balance. 

This is obviously a scam of some kind. 

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

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX  XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : KOHLS/CAPONE Late Payment XXXX XXXX XXXX XX/XX/XXXX to XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Mortgage

I have been on a forbearance since XX/XX/2020. I asked on XX/XX/XXXX for an extension. I was told no at first but the young lady told me she will put in one and see what happens. This was after I told her what I believe my rights are since my home mortgage is covered by XXXX XXXXe. I was also told my home is schedule for a foreclosure sale on the XXXX of XXXX. 

I mention the Foreclosure moratorium but was told that does not apply to my home. 
I was told in needed over XXXX to bring my home current for reinstatement. 

Please Advise asap. I am a single father of XXXX and I just started my new job with my State Government on the XXXX of XXXX. I was out of work for over 14 months. 

Specialized Loans Servicing is the company.
Product: Credit reporting

I have a wrongful charge from XXXX and it is in collection. My account was on auto bill pay and called XXXX at the time of the bill to inform them this was n't a legitimate charge as I had cancelled my account and switched to XXXX. I thought the issue was resolved as I did n't receive a bill after that until I recieved a bill from a collection agency. I had informed the collection agency but XXXX would never respond or even answer for that matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit reporting company needed a copy of my driver license and ssi card so i am providing a copy of my all affidavits
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Truist Bank for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have previously filed a complaint, and am following up with an additional complaint because no remedy occurred. 
Truist Bank violates 15 U.S Code 1602, 15 U.S Code 1602 ( g ), 15 U.S Code 1602 ( j ), and 15 U.S Code 1643 ( e ) because I, the consumer, a natural person, is the creditor and I, the consumer, have an open-ended consumer plan, as well as occurring an unauthorized use of the credit card which resulted in a loss. Furthermore, as stated above, my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Truist Bank
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I am the XXXX XXXX XXXX XXXX XXXX I am XXXX XXXX XXXX attempting to join a XXXX XXXX XXXX platform that only uses " Clover '' " Card Connect '' " First Data XXXX XXXX " these are all subsidiary of " First Data XXXX XXXX ''. I applied for access to the merchant card services over 5 times between XXXX XXXX XXXX My business was denied every time. I asked each bank representative why I am being denied. They all told me that First Data XXXX XXXX denies every application. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote a letter and mailed it Via XXXX tracking on XX/XX/XXXX. The letter was received by XXXX XXXX ''. I have yet to receive a response as of XXXX
Product: Credit card

A payment of the full balance was tendered to Amex and they refused to accept principal coupon payment and apply it as paid in full They continued to try to collect the debt after they charged it off. Two other collection companies are now trying to collect on the same debt. XXXX and XXXX. Amex has reported account 90 days past due, when account has been closed since XX/XX/year>.
Product: Checking or savings account

Hi, On XXXXXXXX XXXX, I have opened a TD Beyond Checking Account package ( along with new savings accounts ) by using an online promotion of receiving {$600.00} ( {$200.00} for savings and {$400.00} for checking with different eligibility criteria as received in a promotion mailer ) and met all the criteria of the promotion to deposit funds in form of new money into the savings account within first few days of opening the account. After couple of months, I had received the {$200.00} in the savings account as expected. 
I had also successfully satisfied all the eligibility criteria for the checking account bonus which was direct deposit setup from my employer directly. Surprisingly in the initial 3 months, my employer direct deposit was shown as ACH deposit in TD bank statement and it seems because of which they are not ready to issue the {$400.00} bonus. However, right after the promotional period the same deposit from my same employer suddenly started showing as direct deposit which was there till XX/XX/. Moreover I had offered them to provide proof that on same period during XXXX, XXXX XXXX XXXX  my other bank deposits came as direct deposit from my employer. Unfortunately, they didn't allow my to show the proof and denied 8-10 times I tried to escalate this matter. Till XXXX XXXX end, I tried and failed and finally decided to close all my accounts in TD bank. 
I had maintained that high balance for past 9 months in the bank for no reason, so I'm really frustrated and feeling helpless. So I am requesting for any help or support in this matter if possible. Thanks in advance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX