23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I closed a conventional mortgage refinance loan in XXXX of XXXX with Stockton Mortgage with the " investor '' being Fannie Mae. At the time of the refinance, the loan did require PMI due to originally being made above 80 % of cost/value. On XX/XX/XXXX I submitted a PMI Removal Application per the instructions provided by Stockton Mortgage through email and received a response that they had received and would let me know any further info needed. The next response I received was on XX/XX/XXXX indicating that XXXX had ordered a valuation and that I would be contacted within 7 days to get that scheduled. I did hear promptly from the XXXX and communicated with him through XX/XX/XXXX last of which was confirmation from him that the report was complete and had been provided to his client ( Stockton Mortgage ). On XX/XX/XXXX I emailed XXXX to confirm status of the request and they replied that " the report has not been completed or provided to us by the investor. '' When I heard nothing further, I sent a follow up email to check status on XX/XX/XXXX and on XX/XX/XXXX I received a reply stating " the investor has requested some paperwork from us to review before they complete the report. We will let you know when they have submitted the completed valuation ''. Again, I heard nothing so sent a follow up on XX/XX/XXXX asking about status and received a response on XX/XX/XXXX stating " the process is not completed yet. We will contact you upon completion '' with no further explanation or detail of what further was needed. I received absolutely no communication until I again sent an email on XX/XX/XXXX. I received a reply XXXX stating that " the investor is looking for a copy of the XXXX XXXX and XXXX Deed with the legal description included. We have been trying to obtain this documentation for quite some time now. Would you happen to have these in your file, and if so please forward a copy to us? ". I was able to obtain these documents and send them them by XX/XX/XXXX and asked why they had not requested the documents from me sooner with no response. 

The last email I received on XXXX indicated that the documents were uploaded to the XXXX portal and they would let me know when they heard back from the investor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate personal information listed in my report was inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureau. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information listed below as a result. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Date Updated : XX/XX/2019
Product: Credit card

This regarding claim number XXXX ' on a feature/benefit ( 'Extended Warranty ), which I have on my card where my claim has been rejected twice with rationale that the company ( Amex ) can't provide any support nor being rationale. 

First was rejected due to original manufacturer warranty only 30 days. When asked amex for documentation, the company rejected second claim your warranty is not valid in the United States XXXX, District of Columbia, or its territories or possessions. Please note the company ( XXXX XXXX ) and retail distributor is based from New york. Amex has failed it's fiduciary duty and sending false information.
Product: Debt collection

I do not have any recollection of this debt and this debt is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  # XXXXXXXX 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
Product: Credit card

Mercury Financial claims to be aiding individuals with their " credit score '' but has failed to mitigate my replacement card issue.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Product: Mortgage

XXXX was our mortgage servicer, at the one year mark, they sent a notice that our payment was to be moved to LoanCare, with a new LoanCare. During that time, we also received an annual escrow statement that our loan would be going from a payment of XXXX per month to XXXX. 

In the statement, it said we would have a shortage of {$290.00} annually that was the reason for the raise of {$880.00} per month. When we further examined the document, they had taken the entire amount we pay in taxes and doubled it, they had forecasted they would be paying XXXX in both XXXX and XXXX. We are now expected to pay {$880.00} more per month, none of it going to principal. They have also raised our projected Property insurance to XXXX from XXXX. 

My husband has called LoanCare XXXX multiple times and asked them to correct it, particularly the tax doubling, however, they always say they are aware and working on it but I must pay the full amount of XXXX tomorrow, which we will do. 

Can you help us get this resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. <br>XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX/XXXX XXXX XXXX XX/XX/2018<br> <br> XXXX XXXX XX/XX/2018<br><br>XXXX XXXX XXXX XX/XX/2018<br><br> XXXX XXXX XXXX XXXX XX/XX/XXXX <br><br>XXXX XXXX XX/XX/2018 <br><br>These inquiries need to be deleted from my credit reports as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove fraud accounts off my credit file. XXXX, XXXX XXXX XXXX, and six closed accounts XXXX XXXX bank. XXXX XXXX bank, XXXX XXXX, XXXX XXXX XXXX Are Fraud accounts.
Product: Debt collection

The collection company AFNI put a collection on my credit report it says XXXX is the original Creditor. 
The only thing I know is that I was at XXXX and a slick salesman talked to me about a TV service and got my information and when he explained what is was in detail I told him I did not want it and to cancel it. He said he wasn't allowed to cancel it. Then 2 days later a box arrived with some connection box came to my house. I immediately called XXXX and told them the story and told her not to charge me anything and to refund anything they had put on my credit card. She told me she would do that exactly and asked me to send the box back to them with the return label inside the box. 
10 minutes after I talked to the XXXX  representative I did exactly that and considered the infuriating issue to be settled. Now I was looking at my credit report to see why my FICO score had gone down and I found out that I had a collection from them on my report. This is fraud plain and simple starting with XXXX using fast talking salesmen to get you to take a service they offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting the credit reporting agency because the inquiries on the credit report are incorrect and are not mine. Every time I try to contact them about it they refer me back to the agency and the agency refer me back to the credit reporting agency. I'm really tired of play tic tac toe with them about this. Its easy for them to put it on, but we catch it trying to get it off. I need the following inquires removed from my report because they are not mine. 
XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX, XXXX and XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX there are things on my credit report that I have asked to validate and I have received nothing so I need them removed. Some are medical bills that needed validation and was asked to send them within 30 days and I have not received anything. I want them deleted off my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  cc : FTC ID Theft Report XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a credit account was opened without my authorization or my knowledge that the account was opened. I received the credit card in the mail and immediately contacted Synchrony Financial for a resolution. Upon their investigation, they assured me that the account was opened fraudulently. Synchrony Financial submitted a request for removal of the account and the inquiry to also be removed from my credit report to the three major credit bureaus. As of XX/XX/XXXX the inquiry still remains on my XXXX credit report. I have contacted Synchrony Financial many of times and have disputed the inquiry that continues to remain with XXXX just as much. The account has been closed and removed from the other two bureaus, but the inquiry still remains with XXXX. I have submitted a letter to XXXX for further investigation and removal of this inquiry, as well as have taken the appropriate steps with Synchrony Financial to get information as to what the hold up is regarding this issue.I have been told by numerous representatives that they have re-submitted a request for the removal to the three major bureaus and have been told to rest assured that the issue has been taken care of throughout the last year and a half. I have taken diligent notes and feel confident that this process should not taken this lengthy amount of time to find a resolution. Especially since the account and inquiry on my credit report was opened fraudulently.
Product: Mortgage

XXXX, XXXX : Since the date that my mortgage was transferred to Shellpoint/ NEWREZ XXXX, XXXX, Shellpoint has applied my monthly payment to previous months ' ( even though I had paid those payments ) and/ or placed payments in Suspense and has not applied the current month payment to the current month debt ; Shellpoint would then inaccurately report that the mortgage payments were late or the loan was/ is in default. This has occurred so many times that I can not name all of the months of the errors -- majority of the months ' payments have been incorrectly applied and therefore, I have been sent notices of non-payment, charged late fees, and been reported delinquent to the credit bureau. I have filed multiple complaints with the Loss Mitigation unit with Shellpoint. The error eventually gets somewhat remedied ; however, some late fees continue to remain. I have spent ~75 to ~100 hours working on these continued errors, and I ( usually XXXX credit score, at least ) was even denied credit for an Auto loan then am paying an exceedingly higher APR as a result of my mortgage inaccurately showing as delinquent. Shellpoint takes many months to correct the issue and then will make the same mistake the next time. For instance, XX/XX/XXXX payment was misapplied to another previous month resulting in the issue of " late payment '' notices and reporting then " delinquent '' reports, that ultimately caused me to have an Auto loan, etc. impacted by Shellpoint 's mistakes in early XX/XX/XXXX. As is the pattern, Shellpoint corrected the mistake in late XX/XX/XXXX, and then again applied the XX/XX/XXXX payment to another month and is now pursuing me for " 'late payments '', fees, etc.. They advise they are investigating and that it will take time. I receive calls from their collection team. This keeps continuing. I can not receive a mortgage from another company because of the history with Shellpoint and the likelihood that they will make this same mistake again during the application process erroneously reporting me as late or delinquent. It is affecting my whole life. Shellpoint has correctly applied my mortgage payment maybe a handful of months from XX/XX/XXXX to XX/XX/XXXX. 
I am happy to provide more information and am attaching the most recent response from Shellpoint regarding my most recent complaint ; I don't agree with Shellpoint 's final conclusion attached, but it does summarize the veracity of their errors and consistency. I don't know where to start to provide more efficient information. It would be a bank statement showing payments every month and Shellpoint 's correspondence majority of the time that I've been with them that they " have not received my payment. '' This can not be happening to just me. It is likely a programming error. Please help me!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, there 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 have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert friday XX/XX/XXXX about an Auto loan application from XXXX, i called XXXX to let them know that was a fraudent application and to ask them why they didnt call me because i have a fraud alert in my credit report, i have been a victim of identity theft in the past. XXXX apologized and told me they already ask Experian to remove the fraudulent hard inquiry from my credit report but the inquiry still there nothing has changed, i called Experian but theyre not willing to help me. Please remove fraudulent hard inquiry from my credit report XXXX XXXX XX/XX/2018 XX/XX/2018
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

HSBC bank continues to list a fraudulent account on my XXXX credit report and refuses to provide sufficient proof of my ownership of the account. I never opened nor used any account from hsbc bank/XXXX. this account was opened in 2010. I was not even living in Massachusetts in 2010. this continues to damage my good credit.
Product: Debt collection

This company never contacted me about this debt or gave any information as to what the debt is for. They are filing it to the credit bureaus daily. XX/XX/1923, XXXX, XXXX, XXXX This company has an employee that doesnt like me and is abusing their job privileges.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal la and my rights as a consumer.
Product: Consumer Loan

My husband XXXX XXXX XXXX XXXX and I opened a joint account with this company in XXXX for furniture. We purchased a mattress set and a bedroom suite XXXX My husband is civilian DOD and the payments come out of his pay automatically through allotments bi weekly for {$100.00}. We have roughly paid over {$5000.00} on a balance that was supposed to only be a little over {$4000.00}. After two years we have not seen much decrease in the balance so I have called on several occasions to try and get a physical statement mailed to me so that I could see all of the payments and balances over the past two years. We 're going on close to three years for a balance we were told would be paid off in 30 months. The first attempt was inside a store and after arriving I found out the store had closed, so I called the XXXX number listed on our contract. The representative I spoke with refused to give me information on the account because she said I was n't listed on the account any more. Well I found out they rewrote the contract in XXXX after my husband added a jewelry purchase. I was not notified by phone or in writing that the terms of the contract had changed nor was my husband told that day that I would be removed from the contract. He has also attempted to get an itemized statement reflecting all payments and balances and to no avail. Additionally, the full contracted amounts are still being reported on my credit reports as closed accounts even though they unlawfully removed me from the contract. When I call they claim there is no record of me being on the contract prior to them rewriting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling XXXX and Equifax for a year now to try and get this inquiries off my credit. All these inquiries on there I have no idea.
Product: Credit reporting or other personal consumer reports

information on my report is false & invalid for years Equifax Company is in Violation I am writing to formally dispute, discharge, and demand the immediate removal and blocking of several adverse accounts and negative items currently listed on my credit report. These items have significantly affected my credit score and quality of life, and their continued reporting is in violation of multiple federal and state laws, as outlined below.

To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.

Additionally, my Social Security number was unlawfully leaked as a result of a data breach involving the Social Security Department, and these adverse accounts are a direct consequence of fraud. Pursuant to Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act ( FCRA ) and I demand that this fraudulent information be blocked and removed from my credit report immediately within 4 business days.

Attached is the Notarized FTC Report & The Un-notarized Report And Other Documents
Product: Credit reporting or other personal consumer reports

I had a closed account with a Home card associated with Synchrony Bank. My payment was past due in XXXX. It was brought to my attention by my ex-fiance. On XX/XX/XXXX I made a payment, added my new bank account, and was approved for a settlement to make payments to close the account. The payment did not get charged to my personal checking account. I had the opportunity and time to contact Synchrony about this situation on XXXX XX/XX/XXXX. I am currently XXXX and my time and the time zones are difficult. I was able to speak to someone on the phone to explain the situation. They said my account information didnt transfer over. Since they didnt transfer and the payment did not get charged, even though I agreed to the payments, nothing was in writing to call to make a payment, the card is defaulted. They said they can still honor the settlement. I filed a complaint within Synchrony bank due yo their business practices of losing my bank information, defaulting the card, and not notifying me of any issues. Miraculously a letter is generated in XXXX XXXX, sent to my email, and mailed out to me, stating my account is defaulted and no payments can be made on the card. Now my credit score is affected due to their oversight and correcting their process.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed items and accounts I didn't recognize I investigated noticed some information is inaccurate as far as dob. I have multiple accounts that are negative because of this and have reported this to the credit agency 's and they don't respect my request
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
7719 BRIDLE PATH CIR FREDERICK, MD 21701 9202 CURTIS CT UPPER MARLBORO, MD 20772-5209 3231 SWANN RD APT 204SUITLAND, MD 20746-1335 SELFINCXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX PEPCO ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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