23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

multiply homeowner specialist on my file. XXXX different specialist over the past 4 months causes document to get misplaced. Citimortgage is also requesting third party information and income verification for third party persons not on the loan with 24hour requirement to submit documents. File sitting in limbo without a specialist being assigned to the file ; causes inaction and time lapse for mortgage owner to have a fair review. Receive request for documents after deadline has passed. Homeowner specialist not communicating file needs with Homeowner after Homeowner request for manager to email specialist and ask him to forward detailed list of required documents to Homeowner. Homeowner support specialist XXXX XXXX XXXX refusing to discuss file with Homeowner on scheduled phone appointment. Stating " you will lose your home on Tuesday, be prepared for it. There is nothing I can do. There is no point discussing a closed file. You are losing your house on Tuesday XXXX. There is no point telling you what documents you need. I should have contact him sooner ''., I called to check the status of the file and being told the account has no assigned specialist. I inquired of the procedure to request a specialist on my account on XXXX/XXXX/16 and I was given the name of XXXX and updated my contact info on the file for XXXX XXXX to contact me. I called back the homeowner specialists team and was told no documents were needed because the file was under review with the underwriter XXXX/XXXX/16. XXXX XXXX stated on XXXX XXXX the file will be passed on to a new specialist the file was never passed on or assigned to a new person. I received the attached letter from citi on the evening of XXXX/XXXX/16. All were contradictory to the status of the file. I call back citi on XXXX/XXXX/16 after receiving the letters, requesting clarification on the status of the account. I spoke to Manager XXXX at CitiMortgage # XXXX on XXXX/XXXX/16 after stressing the importance of speaking to XXXX XXXX about this time sensitive issue ' because his letters were unclear and the items which he seem to request were already due on XXXX/XXXX/16 and the his letter was received on XXXX/XXXX/16. Requested a manager because XXXX XXXX was not available for telephone calls with me. XXXX said to get the new application and paperwork in and request XXXX XXXX to escalate the file to request more time. After my conversation with XXXX XXXX on XXXX/XXXX/16 I requested to speak with his manager. XXXX XXXX states he sent a request to his manager XXXX XXXX to contact me at XXXX number on file before XXXX XXXX or XXXX XXXX. No call was received from XXXX XXXX. I attempted to call XXXX XXXX twice. Upon calling at XXXX XXXX was noted as being away from his desk for 10 minutes. I was told to schedule and appointment or call back, call was disconnected in transfer to scheduling dept. I later called back on hold waiting to speak with XXXX for over XXXX hour. I finally hang up the line. 
Homeowner should also be given the option for a short sale.
Product: Mortgage

SPS Servicing is not honoring the adjustable rate caps and payment caps on my loan according to my note. I have a cap on my rate of 9.95 % and a monthly payment increase cap of 7.5 % previous month payment. They are not compliant with payment caps.
Product: Credit card or prepaid card

I made an electronic payment and it did not go through. I will like a history of all the electronic payments that were made from XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX5 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Credit reporting or other personal consumer reports

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior.
Product: Credit card

Chase is reporting me negatively to the credit bureaus as being 30 days late back in XXXX. 2014 although they are well aware that it only happened once throughout the whole life time of the account and I had difficulty 's receiving my statements as I live in a big apt . building however, even after contacting them about it, advising them to correct it, as it causes me credit damage, and even after I was already promised by XXXX XXXX XXXX, it will be corrected they still continuing to report it negatively.
Product: Mortgage

Good morning! My father and I was took out a mortgage loan together as borrower and co-borrower and used our home as collateral. Last year my father passed away due to covid complications. I as co-borrower called mortgage servicer to inform them on the passing of my father and to see what I can do to take over mortgage since I lived on the property. The person I spoke to informed me that the loan had just been transferred to their facility and they did not have all documents on file yet. It was then that this individual provided me with the lenders number so that I could talk to lender on what was needed on my behalf. I contacted this lender individual and asked if he could send me copies of documents they had on file such as deed/title & promissory note. He informed me he would work with me to find a solution so that I could modify loan and take over mortgage. I sent all information he needed such as my fathers death certificate, I filled out paper work he had emailed me & sent out my income information, etc. Then out of no where he indicated My sister & step moms lawyer contacted him indicating they were owners and they would be paying off mortgage loan and basically dropped me. He informed me I was co-signer and for me to get a lawyer. He informed me he would keep me in the loop on what they ( sister/step mom ) were planing on doing. I informed him I was partial owner on mortgage loan making me co-borrower not co-signer. I called him once again and he never answered. I sent email and did not get a reply to that email. I then contacted mortgage servicer to see what I can do since I had already made several payments on mortgage loan. They informed me to call lender and work it out with them. I was recently evicted from the property my father and I owned by my step XXXX & XXXX and was informed I had no legal rights. I have called so many places in which I could get some help I even hired an attorney but he basically misrepresented me and I lost out on a significant amount of money in which I could have used toward the loan my father and I obtained jointly. If theres anything you can do to help me figure out my rights or how to go about this I would greatly appreciate the help.Thank you & XXXX bless! 

Respectfully XXXX XXXX XXXX
Product: Checking or savings account

I have a checking account with PNC bank for a long time. I noticed that this bank start charging a fee of {$3.00} as check images in statement fee on XX/XX/XXXX & XX/XX/XXXX.  I never issued a check during these two months. This bank is harassing me for no reason. The customer service of this bank was very bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, an unauthorized organization ( USAA Savings Bank ) attempted to access my credit report. I have no affiliation with this organization at all and is unsure how and why my information was provided to them without consent. I received an alert from XXXX XXXX XXXX XXXX XXXX. After looking more into, I took action my making sure my credit report remained locked and was informed to report this to CFPB. I have a screenshot of the action and information regarding the bank who attempted to access my information without permission.
Product: Debt collection

On XX/XX/XXXX I had XXXX XXXX on my right eye. All XXXXXXXX XXXX XXXX were paid by my primary insurer XXXX XXXX XXXX & secondary insurer XXXX. On XX/XX/XXXX I had XXXX XXXXXXXX on my left eye ( by same provider ) and all XXXXXXXX XXXX XXXX  were paid by my primary insurer XXXX XXXX XXXX & secondary insurer XXXX with the exception of XXXX  on XX/XX/XXXX. 
I received 3 notices/bills in the amount of {$600.00} for the XXXX  provided on XX/XX/XXXX from XXXX XXXX XXXX XXXX I contacted provider after each bill ( last contacted on XX/XX/XXXX ) advising provider to submit bill to my primary insurer XXXX XXXX XXXX & secondary insurer XXXX. Each time I was told the provider would relay info to the " back office '' and I would not be sent to collection. I received no further contact from XXXX XXXX XXXX. 
On XX/XX/XXXX I received a bill dated XX/XX/XXXX from Guardian Capital Management Hawaii XXXX XXXX XXXX XXXX XXXX for {$600.00} for services provided by XXXX XXXX XXXX referencing Date of Service XX/XX/XXXX. 
This charge is covered on my qualified XXXX beneficiary program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to TransUnion, several times, they are reporting the wrong name on my report. My name is XXXX XXXX. That is my only name. TransUnion is reporting my name as XXXX XXXX. XXXX XXXX is not, and has never been my name. Ever. I do not understand why TransUnion refuses to report my name correctly? I have sent TransUnion identification showing my correct name and reported this to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile. I believe they have failed to authenticate these accounts. I included this in my last complaint and hoping that these accounts lates will be removed. 
XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX XXXX : {$2200.00}, XXXX XXXX Balance : {$600.00}
Product: Debt collection

XXXX XXXX I paid it on XX/XX/2020, they never send me an email or a letter like they promised. It is still on my credit as bad unpaid, they said it would be off by XX/XX/XXXX th XXXX it is still there. Please help me! I am a XXXX XXXX and I want to buy a house. But this is stopping me. Thank you. Ps now it was send to another creditors First National collection Bureau inc
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXBalance {$0.00} XXXX XXXX XXXX-Balance {$400.00} XXXX  XXXX-Balance {$1000.00} XXXX XXXXXXXX-Balance {$590.00} XXXXBalance {$1900.00} XXXX  XXXXBalance {$20000.00} XXXX  XXXXBalance {$1100.00} XXXX XXXX XXXXBalance {$14000.00} XXXX XXXX XXXXBalance {$3500.00} XXXX XXXX XXXXBalance {$15000.00} XXXX XXXX XXXXXXXX {$0.00}
Product: Debt collection

Midwest Recovery Services LLC is trying to collect on a debt that is NOT mine and has NEVER been mine. I have never used their services for a payday loan nor have i used the services of the FRAUDULENT company they are collecting on behalf for a payday loan. How they got my information and managed to report this on my credit reports is bewildering!!! I could not begin to imagine that something like this would happen to anyone.
Product: Credit reporting or other personal consumer reports

My credit status is verified which showed me some that were not done which were the following XXXX XXXX a debts {$470.00} that the account opened XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Discover Financer XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am requesting the removal of Report of hard inquiries to my credit report account. 

I have not approved nor authorized these inquiries and request removal of all HARD INQUIRIES from all three credit bureaus : EXPERIAN, XXXX AND XXXX Please report all findings within 30days as this is harming my ability to establish new credit. 

Thank you for your cooperation
Product: Payday loan, title loan, or personal loan

i have on several occasion had to pay less than what was due on this account at tower loan in XXXX, XXXX , i keep it as caught up as my finances will allow without just blathing not paying it at all, i get repeated rude intemdating calls from this branch and all of its employees including the branch manger who went so far as drive to my home where my children were to leave me a note taped to my door, then i was informed that he was in fact allowed to do so. they contiue to call me with rude, intemdating calls repeated calls and even call my place of work after being told not to do so. 

even when my account is caught up my balance is substanilly higher than it should be it seems like no matter what i pay the balance never changes. XXXX XXXX, XXXX and XXXX are all part of the calls that are not professoinal at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a final letter to the Credit Bureau discussing an issue with my consumer credit report. I explained that I have sent multiple letters requesting the following : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. " To date, I have not received any verification of any kind to resolve this matter nor has the item been deleted. My next step will be small claims court if this matter is not resolved.

I have studied the law and noted that in order for an account to continue reporting on my file, it must be accurate and verifiable. Neither of which are the case regarding this account. The account number is not shown on the credit file nor have a received any verifiable documentation to show that this is an account that I owe.

I received a letter on XX/XX/2019 stating that they have verified this account and will not be investigating the item again.

The additional letters were sent XX/XX/2019, XX/XX/2019 and XX/XX/2019. I have attached copies of the certified receipt and I appreciate your assistance with resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having issued with the  XXXX  credit bureau 's.  XXXX  place a Fraud Alert on my credit account. I contacted   XXXX   via fax, to remove the Fraud Alert. I was told that it would take up to 48 hrs. for removal, I also contacted Experian and  XXXX , was it would be removed by the end of the business day. Around the beginning of  XXXX  I contacted   XXXX   again requesting the removal, I was giving a case number of  XXXX  and a conformation number of  XXXX  stated from them that the Fraud removal was done. I contacted the other   XXXX    agencies requesting the same, I was told by  XXXX  agencies that they could not remove the alert until  XXXX  remove it. Contacted   XXXX    again requesting the removal, was told that the alert was removed and that he would put in another request in because I could still see the alert attached to the account that was monitored through them, given the conf. no.  XXXX . also mailed in a request on   XXXX   XXXX  ,2017. as of today the Fraud Alert still stand on the accounts. Today I received correspondence 's from Experian and  XXXX  stating that I requested an Extended Alert to be place on the account, to which I placed no such requested. Contacted the bureau 's was told   XXXX    and a third party requested  XXXX / XXXX /17 and  XXXX / XXXX /17
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCT # XXXX Is reporting a debt on my credit file that I do not owe. This debt is not mine, and I have never had an account with or opened any accounts with XXXX XXXX. I have contacted and advised them that is a fraud account and it needs to be removed off my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXXXXXX XXXX - XXXX - Please delete this item immediately. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX  - XXXX - Please delete this item immediately. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/2023 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/2023 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/2023 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


XXXX XXXX, XXXX, and Equifax have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded my auto in, that was financed by TD Auto Finance, for a new vehicle. The loan was paid off at this time. However, there are incorrect lates reporting. 
1 ) XXXX is reporting a late in XXXX and XXXX. They also have my account coded as I2 ( 30 days past due ). How can I be late on an account with a {$0.00} balance and {$0.00} past due? This coding issue as well as the late payments are FCRA violations. 
2 ) XXXX XXXX is reporting a 30 day late in XXXX and they are also coding this account as I2, or 30 days past due. Again, the balance is {$0.00} and the past due amount is {$0.00}. It is impossible to be 30 days late on an account with no balance. They are also reporting an incorrect late. 
3 ) XXXX has my coding correct because they are reporting this as an XXXX but they are also reporting a late payment in XXXX that is incorrect.
Product: Debt collection

Basically every year I have to get labs done through my doctor for my XXXX, and I pay the doctor for the labs. but the lab company " XXXX XXXX '' is double dipping the bills. They charge the doctor, the doctor pays, and then they send me a bill for the same labs the doctor payed. Now they got the accounts in collection, and they mess my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all of the credit bureaus letters about removing addresses and incorrect names and the still will not remove inaccurate information.
Product: Mortgage

In 2009 I went though a divorce in XXXX. Wells Fargo at the time had a XXXX mortgage in the form of a line of credit. Listed against the house. During the divorce proceedings my Ex-wife filed for and was granted Chapter XXXX Bankruptcy. After that was done, Wells Fargo returned a payment saying the debt was discharged and I did not owe them money. I then Moved to XXXX and did not think of it again. I recently got a copy of my credit report and their was by Wells Fargo a judgement for the line of credit. Since this debt was discharged they had no right to sue me for this discharged debt. Also they never served me with papers even though Wells Fargo knew where I was because I visited an office here in XXXX to see what my options were. I state for the record this is outright fraud by Wells Fargo and the judgement filed in XXXX court should be voided forthwith. I also think because of them doing this they have for the last 6 years been damaging me and I think they owe me damages under Federal law XXXX times the amount. I also think they should be required to pay a high fine, and someone who did this should get some jail time as well.