23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was considering applying for a HELOC through my XXXX. I spoke to an agent and discussed some options - HELOC vs a refi wth cash out. He stated he needed to verify my information before he could submit an application. He asked about my income and expenses and marital status (?? ), then he explained there is not enough equity in my home to do a refi - I owed XXXX, then it was worth XXXX, then he said I did not have enough equity in the home to do a HELOC. I kinda got the impression he was racially profiling me as a single XXXX XXXX woman, I earn about XXXX annually and have good credit. He said he would double check and call me back. I never heard anything else from CoreLogic or XXXX. In XX/XX/XXXX I remodeled my kitchen and decided to try to apply for a HELOC, When I pulled my credit report, I saw the hard inquiry from CoreLogic. I never authorized credit inquiry, never started an application and the agent I spoke to never submitted one or even called me back. I have tried to have this inquiry removed because I did not authorize it.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2016, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$2900.00}, XXXX XXXX XXXX Balance : {$1000.00}
Product: Mortgage

My monthly escrow payment with Mr. Cooper ( Nationstar Mortgage ) just went up to over {$1000.00} a month. Neither Mr. Cooper or XXXX XXXX notified me of a large increase in my Homeowner 's insurance. Nationstar paid it without notifying me there would be a {$25.00} shortage when they paid it a month in advance of the due date on XX/XX/XXXX. They are using that {$25.00} shortage as the reason they won't cancel my escrow payment. In order to pay that large increase in the escrow payment, I will need to decrease how much I invest in my 401k. I will be XXXX XXXX XXXX in XXXX and do not want to reduce my 401k contribution.at this time in my life. 

My new lower rate homeowners insurance with XXXX wasn't in effect yet, so I hadn't cancelled my policy with XXXX XXXX yet. It became active on XX/XX/XXXX. I am a XXXX XXXX and filed for my Colorado XXXX Property Tax Exemption, so I will have a lower property tax assessment next year. XXXX XXXX XXXX XXXX will be subtracted from my home 's value for my new tax rate effective next year. I paid my new homeowner 's insurance in full and paid the rest of my property tax for XXXX on XX/XX/XXXX. 

I requested that Mr Cooper cancel my escrow payment, so I can put that money in savings and pay my insurance and property tax myself. Nationstar says they won't cancel my escrow payment due to the {$25.00} shortage. As soon as I saw there was a shortage, I deposited {$2000.00} into my escrow account. I would have added money to the escrow earlier to avoid the {$25.00} shortage, but as I said earlier neither Nationstar nor XXXX XXXX notified me of the increase in the property insurance rate prior to Nationstar paying it. I pay extra every month when I pay my mortgage, which goes to additional principal. They should have known there would be a shortage and put it into my escrow instead of additional principal.I have never been late or missed my monthly mortgage payment. 

The outrageous new escrow payment will amount to {$12000.00} a year. The total for the Insurance & Property tax will only be about {$6300.00} next year. My mortgage payment was $ XXXX, XXXX will be $ XXXX. per the escrow assessment based on my cancelled insurance and property tax based on the rate without my XXXX Property Tax Exemption rate. 

Homeowner 's Ins : $ XXXX. 
2024 Property Tax : {$3600.00} - According to the XXXX XXXX Assessor 's Website {$2600.00} + {$3600.00} = $ XXXX Total $ XXXX = XXXX mo
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting a collection account dispute with Transunion. I have successfully disputed this creditor with XXXX and XXXX and it has been removed from both of those credit reporting agencies, explaining I had no idea who the debt belonged to and that I have never heard of the company. I received a letter from Transunion stating their findings concluded that the collection was " valid '' and would remain on my report until XX/XX/2025. I called their consumer help line and and requested they provide me with the documentation they received from the debt collector to verify that in fact the account was valid. After 20 minutes on the phone with a representative and getting no help in having them provide anything from that collector I asked for a supervisor. After another 20 or so minutes going around and around with him, his bottom statement was simply " we do not investigate per se, we send an electronic request to the debtor to verify they have your information and that is the extent of what we do, and therefor you will have to contact the company and find out what the collection is for. All I can see is that it is a bank, ( one I never heard of or that exists in NY ) and was with XXXX collection company that wrote it off and then sold the current collection company, which they are allowed to do ''. I also told him that had an address on there that I have never lived at and also put that in my original disputes to be removed and that also has not been done. Transunion is severely negligent in doing a thorough investigation and in deciding on their own that sending an electronic request is sufficient enough to keep this collection on their credit reporting. IT NEEDS TO BE REMOVED ASAP!!!
Product: Mortgage

Back in XXXX XXXX I lost my job due to the economic turn-down. I was unemployed for six months during this time and did not have the ability to pay my rent. During this time I applied for a mortgage modification ( please bear in mind I bought my house in XXXX of XXXX and was financed through First Horizon XXXX XXXX at an interest rate of 7 % ). In XXXX XXXX I was employed XXXX, XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX two things occurred, 1 ) I was approved for the loan modification and 2 ) I was XXXX to XXXX. By the time I returned my loan was sold to XXXX Mortgage. I just learned from XXXX XXXX Mortgage that my mortgage was reset forward to XXXX. In other words it appears that I have only had my home for six years when in fact I 've had it for 15 years. First Horizon took my money, nine years of it, approximately {$120000.00}. I want the credit for all 15 years that I 've been paying mortgage. How gives an entity almost {$120000.00} just for the XXXX of it? It is n't fair and I need some assistance with getting it. Also, this is a VA Home as I am a XXXX XXXX Veteran. 
All that you can do to help me would be greatly appreciated. 
Thank you. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take the timely ineffective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions has caused a significant inconvenience of financial loss, and I seek appropriate assistance for these violations
Product: Bank account or service

On XXXX XXXX 2015 I was attempting to make a mobile deposit to my personal banking account when I was denied access. I called USAA to find out why I was not able to make a simple deposit. The representative told me that there had been XXXX hidden accounts created under my name and transfers had been made and now those accounts where in the negative balance. I reported to the associate that I did not authorize these accounts and I asked how was this account authorized without my signature. They could not give me an answer. The representative told me the fraudulent accounts had been created on XXXX XXXX and had transfer activity since that date. I quested the bank again because I always receive notification through email, text, and phone call whenever transfers or accounts are open, and I received no notification of this activity. The representative again stated that she was unsure how this happened. I was directed to the fraud department and they asked me if I had participated in a scam or if I had given out my information to anyone I stated no. The fraud team stated that the person would have had to know my XXXX security questions, my pin number, my login information, and I stated again that no one but me has this information. They proceeded to tell me that they would investigate and I would get a call back within 48 hours with a resolution. They froze all my accounts and I had access to none of my money. I received no information from USAA, so I proceeded to call and the representative stated that USAA will no longer do business with me and that I am held responsible for all negative balances, so all my funds were taken over. The representative stated that this decision had been made on XXXX XXXX, though I was not notified. I called again to gain a dispute form a different representative stated that no criminology report for the fraud had been submitted which she found strange and she submitted one today.
Product: Checking or savings account

I received an offer from Chase bank if I open a Checking and Savings account at the SAME time I would receive a {$600.00} bonus after fulfilling the requirements of each account. On XX/XX/2020 I opened up a checking and savings account on Chase 's website. I followed the rules to set up a External account to fund the accounts. I received the verification from Chase and on Wednesday XX/XX/2020 I funded both accounts. About an hour later I received an email that the transfers were cancelled. I was told to contact Chase. When I called them they treated me like I was a criminal even though I answered every one of their security questions. I went to the branch by my house and again I was treated like a criminal. They would not give me an answer why they would not accept the deposits from my other bank and they would not open the accounts and told me I could NEVER open account at Chase. I am NOT a criminal. I have over a 800 credit score. I deserve to be treated with respect and dignity and I should be allowed to open a account with Chase. I am being discriminated against!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$3200.00} -This is not my account.
Product: Debt collection

Dear TRANSWORLD SYSTEMS INC ; ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX ) ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in three dispute letters starting XX/XX/XXXXXX/XX/XXXX to all credit report agencys regarding accounts (   XXXX acct # XX/XX/XXXX ) ( XXXX acct # XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX acct # XXXX ) ( XXXX XXXX acct # XXXX ) accounts not mine please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts. Just sent in a final letter XX/XX/XXXX, notarized stating I will press charges. Please remove accounts immediately. Also XXXX acct # XXXX, never late on payment, and never late with account XXXX XXXX XXXX  acct # XXXX
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments of 30 days were reported to the credit agency. These dates were on XX/XX/2022, XX/XX/2022, XX/XX/2022. Payment was made to Macys credit card and account has been brought active. Currently, Macy 's account has no balance. These late payments occurred to the Covid 19 Pandemic Outbreak in New Jersey. I am asking for these late payments to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and discovered a number of inaccurate items. Over 60 days later I haven't heard anything back from each bureau. I feel like Im being taking advantage of. These items are causing me a great deal of grief because they are harming my score. During this difficult time for my family I don't need anything hindering me financially. I also made the bureaus aware I was affected by the Equifax data breach which Im just now finding out about and Im afraid my information has got into the wrong hands.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the XXXX XXXX XXXX account on my credit report. This account was transferred to another lender, as indicated in my credit file, and it now shows a {$0.00} balance. However, the account is still inaccurately being reported as a charge-off, which violates the Fair Credit Reporting Act ( FCRA ) and IRS regulations regarding debt cancellation.

Reasons for Dispute : 1. Balance Reported as {$0.00} But Still Showing a Charge-Off : The FCRA requires that credit reports contain only accurate and verifiable information. Since the balance is now {$0.00}, and the debt was transferred, it is no longer valid to report this as a charge-off.

If the original creditor considered the debt uncollectible, a 1099-C cancellation of debt form should have been issued to me for tax reporting purposes. No such form has been provided, meaning the debt has not been officially forgiven or canceled, and the charge-off should be removed. 
2. Failure to Investigate Identity Theft Report : I previously submitted a valid identity theft report along with supporting documentation, yet Experian and Equifax failed to remove this account within the legally required timeframe. The FCRA Section 605B mandates the removal of fraudulent accounts when a valid identity theft claim is made.

3. Violation of the FCRA ( 15 U.S. Code 1681i ) : Under the FCRA, credit bureaus are required to conduct a full and accurate reinvestigation of disputed items within 30 days ( or 4 business days for identity theft claims ).

Since Experian and Equifax failed to remove the account after my identity theft report and supporting documentation, they are now in violation of federal law and must correct this immediately.

Action Requested : I demand that Experian and Equifax immediately remove this account from my credit report due to the following reasons : The balance is {$0.00}, yet the charge-off remains, which is inaccurate. 
No 1099-C was issued, making the continued charge-off reporting unlawful.

My identity theft report was ignored, violating the FCRA. 

Failure to correct this will result in me taking legal action against your agency for violating my consumer rights under the FCRA and IRS guidelines. Please complete this reinvestigation within the required legal timeframe and provide me with an updated copy of my credit report reflecting the removal of this inaccurate information.
Product: Mortgage

my pay off statement loan is XXXX and my refinance loan statement is XXXX. 
I was requested for explanations and answers. They said it is all correct and needed to close with attorney and later we can talk- After the closing as per attorney  no changes can be made.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had many late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Account Number XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Mortgage

I applied for a HELOC at Bank of America on XX/XX/2023. On XX/XX/2023 I decided to cancel my application during a recorded conversation and followed up in writing with an email. The following day I received a response from my Home Service Specialist to confirm my request and furthermore that I would be receiving a letter confirming this in about 10 business days. See attached emails. 

Instead of sending me an official letter stating my cancellation, on XX/XX/2023 I received an Adverse Action Letter ( see attached ) dated XX/XX/2023 which is 6 days AFTER the date of cancellation. Bank of America is not being honest, truthful or ethical.
Product: Debt collection

Complaint against : Resurgent Receivables LLC Dear CFPB, I am writing to file a complaint against Resurgent Receivables LLC regarding their response to my request for debt validation, Despite my efforts to seek validation through various channels, including the CFPB, their response simply stated that the debt has been verified without providing any specific details on how the validation was conducted. 

As a consumer, I find their response to be inadequate, and I am seeking your assistance in resolving this matter in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

The information I am requesting includes : 1. If Resurgent Receivables LLC claims to be the holder of the original note, I kindly ask them to provide the original note for my review. 

2. If Resurgent Receivables LLC is not the holder of the original note, I request them to submit a contract between Resurgent Receivables LLC and the alleged debtor to support their claim. 

3. In order to further validate the amount claimed, I require Resurgent Receivables LLC to provide a comprehensive breakdown of both receivables and payables. This can be achieved by submitting the General Ledger and Balance Sheet associated with the alleged debt. 

I kindly request the CFPB 's prompt assistance in addressing this matter and ensuring that Resurgent Receivables LLC complies with the FDCPA. Please consider this notice as part of my formal complaint against their practices. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is now my second time reaching out to your company. the last response was from XXXX - XXXX, on behalf of Capital One in which she stated I applied for credit when I DID NOT. look on the paperwork I have never and will never be associated with the address : XXXX XXXX XXXX XXXX this inquiry was not authorized by me in any way whatsoever and therefore is a result of fraud and must be removed immediately.
Product: Credit reporting or other personal consumer reports

Ive disputed the account multiple times times and it keeps getting added back on to my report without notification and or verification. My old personal information ie address have been removed and kneels being added to my report without notification.
Product: Credit reporting or other personal consumer reports

I found some late payment inaccuracies on my credit report that don't match my usual payment behavior. Please correct these errors and make sure my account is updated. Thank you!