23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX/XXXX/XXXX Ditech increased my escrow payment from {$230.00} a month to {$490.00}. When I called Ditech then I was falsely told that my real estate taxes had doubled but later I checked and found that to be false. Then when I called again I was told that Ditech had under estimated my new taxes therefore they had sent me a check for a surplus in the amount of {$1600.00} back in XXXX of XXXX. Mind you I went ahead and spent these funds on a new water heater for my residence. Therefore Ditech stated because of the false surplus check they had sent that now starting in XXXX XXXX my escrow account was negative, and that I had to make a payment of {$490.00} a month for my escrow account instead of my regular {$230.00}! I pleaded and explained that this was really a terrible hardship for me ( a senior citizen on a fixed budget ) but to no avail. I was threatened with being reported to the credit bureaus for being late or delinquent on my mortgage therefore I was forced not only to pay the additional escrow amount but also XXXX time paying a {$12.00} pay by phone fee since that was the only immediate payment option. I have continued to pay my regular mortgage payments plus the additional {$260.00} ( XXXX ) for my escrow for 8 months now ( XXXX XXXX thru XXXX XXXX ). Finally on XXXX/XXXX/XXXX I sent an email to Ditech once more asking for a review and I was told by their XXXX XXXX, XXXX letter that it would take 30 days to investigate. Today when I called I was told a letter was sent out dated XXXX XXXX, XXXX ( which I have not received as of today ) stating Ditech will not change my escrow amount even though to date I have paid {$2100.00} extra funds in escrow since XXXX XXXX. At this point I feel I am being penalized heavily all due to Ditech 's own accounting errors, and finally why should I be made to continue to pay when I have already paid well over the {$1600.00} erroneous surplus amount sent by Ditech?!
Product: Credit reporting or other personal consumer reports

I have previously disputed XXXX XXXX XXXX  - XXXX Case Number : XXXX, regarding bankruptcy dated XX/XX/year>, with all credit reporting agencies. In response, they verified the information as accurate, claiming they had confirmed the details with the courts. 
After reaching out to the courts directly, I received a response that is attached here. It clearly shows that the courts do not report to any credit reporting agencies. This indicates that the previous verification with the courts was either an error or potentially fraudulent.

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgments ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. Regardless, the reporting of this information fails to meet the requirements of FCRA Section 611 ( 15 U.S.C. 1681 ), and as such, the bankruptcy entry must be delete
d from my credit file immediately. Additionally, under FCRA 15 U.S.C. 1681b, any entity reporting or accessing my credit information must have a valid permissible purpose. I have not authorized any such permissible purpose for the continued reporting of this bankruptcy. As no lawful reason exists for this information to remain on my report, I demand its immediate removal.
Product: Credit reporting, credit repair services, 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. 

Carolina Finance LLC 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. 

Please provided proof of your claim XXXX I attached a copy of my credit report showing all on time payments up until job loss due to Natural disater over 3years no missed payment in a 4 year loan.

Also payments were made late night but the system did not update until next day this is no fault to the consumer. 
Lastly no notice was ever sent via mail as we do not have online statemente all 3 creditors have different info regarding this account. 

It is not possible to be 60 days late in XXXX of 2021 good standing in XXXX and back 60days late in XXXX of 2021 A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX ( FTC Report # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

After my point of contact told me that this file was being submitted for an approval. They came back and stated they have to order up a new appraisal/BPO. This was 4 weeks ago. We have been waiting for weeks upon weeks to get a BPO/Appraisal to come to client 's property. Every week they order an BPO/Appraisal and nothing comes of it. No phone calls, no scheduling. Nothing. Ocwen continues to state every that someone is coming will contact me. They have already scheduled a foreclosure date of XXXX XXXX, 2015. We have a buyer and the buyer is now growing impatient with the waiting process. Ocwen told my me that they will not allow an escalation. They will not reveal the investor on the loan. They only state that we will have to continue to wait for BPO/Appraiser to come out. We have been waiting for over 4 weeks ago. They are setting this client up for a strategic foreclosure. They continue to tell me that they do not know why no one has contacted me but wait another 7-10 days and " maybe '' someone will call. Ocwen is really being unprofessional about this. This is a HAFA short sale and for them not to give me any information on who else to contact is ridiculous. I need help with Ocwen. This is stressing my client out. She does not want a foreclosure on her record, but Ocwen is forcing XXXX her.
Product: Credit card

I applied for a business credit card that was only supposed to look at my business credit and revenue. Due to my personal credit being locked at this time, I was not approved for business credit. ( XXXX )
Product: Checking or savings account

I am writing to report an issue with my account on the Robinhood trading platform, which has been unexpectedly restricted. The initial restriction occurred without a clear explanation from Robinhood, prompting me to contact their support team for clarification and resolution. 

Timeline of Events : Day XXXX : I noticed that my Robinhood account was restricted, preventing me from conducting any trades or withdrawals. There was no prior notification or explanation provided for this action.

Subsequent Days : Over the next several days, I made multiple attempts to contact Robinhoods customer service for an explanation and to have the restriction lifted. During these interactions, I provided all requested materials and information to demonstrate my compliance with their terms of service and to rectify any potential issues that might have led to the restriction. 
Day XXXX : Despite my repeated efforts and compliance with all of Robinhoods requests for information, my account remains restricted. I was informed that it would take another 5 days for the restriction to be reviewed and potentially lifted, extending my inability to access my funds or trade to a total of 15 days.

Throughout this process, Robinhood has not provided a satisfactory explanation for the restriction or a clear timeline for resolving the issue. This lack of transparency and prolonged restriction period has caused me significant inconvenience and concern regarding the safety and accessibility of my funds. 

I kindly request your assistance in addressing this issue with Robinhood, ensuring that my account restriction is reviewed and resolved promptly, and that measures are taken to improve communication and support for Robinhood users facing similar issues. 

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

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Product: Credit reporting or other personal consumer reports

I requested my credit profile on XX/XX/2023 and seen multiple incorrect creditors as well as creditors pulled my credit without my authorization.
Product: Checking or savings account

On XX/XX/2019 a monthly transfer to my wife account was not credited. When complaining to the Bank they instructed me to make the transfer again for a different amount. Next day both transfer had been credited to my wifes account and my account showed insufficient funds, to cover monthly payments to my creditors. 
Eventually the bank recognized the error and credited my account with the fees charged for insufficient funds, but the error impacted negatively my credit score that was lowered from the mid high 700 to the mid 600. 
This part of my complaint was ignored by the Bank.
Product: Mortgage

On XX/XX/year>, we approached Rocket Mortgage for a mortgage. We have a house, no mortgage. We wanted to use the equity on the house to get some money for renovation. Rocket Mortgage asked us for {$500.00}. We paid. 

At closing, on XX/XX/XXXX, we learned we didn't have to do escrow. That was never explained. We asked Rocket Mortgage to remove escrow. They refused. We exercised our right of Rescission on XX/XX/XXXX. 

On XX/XX/XXXX, we asked Rocket Mortgage, by email, when we would received our {$500.00} deposit back. My wife, who is in charge of all the exchanges, provided all the information and relevant extracts of 12 CFR Part 1026 ( Regulation Z ) and the official interpretation of Paragraph 23 ( d ) ( 2 ). 

We were answered by XXXX XXXX : " Good afternoon, the Good Faith Deposit is used for upfront cost of the loan such as credit reporting fee and appraisal report. The appraisal report cost is {$650.00} there is no room for refund. 
Best regards, Rocket XXXX XXXXXXXX XXXX Resolution Advocate Rocket Mortgage T ( XXXX ) XXXX F ( XXXX ) XXXX '' We would like to file a formal complaint against Rocket Mortgage. 

To be transparent, when we received that email, we did file a dispute with our credit card company.
Product: Credit reporting or other personal consumer reports

Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below XXXX XXXX XXXX XXXX Account number XXXX which still appears on my credit report even after your investigation. I recently reviewed my credit report and noticed inaccuracies on my account. I would like this account immediately reinvestigate for the same exact thing we discussed. This account is injurious to my credit score. In accordance to the fair credit reporting act public law.91-506. Title VI, section 611, subsection A-D. Please provide the names and business address in which you verified the account, so that I may follow up. Please send me an update copy of my credit report after the your reinvestigation.
Product: Credit reporting, credit repair services, 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 # XXXXXXXX XXXX XXXX XXXX XXXX  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 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. 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.

I SENT IN LETTERS TO DISPUTE THE CLAIMS TO THE CREDIT BUREAUS. THE CERTIFIED MAIL RECEIPT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX. I AM INCLUDING THE CERTIFIED RECEIPT NUMBERS BELOW FOR ALL CREDIT BUREAUS I SENT THE INFORMATION FOR DELETION TO.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 


XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Name : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX 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 XXXX XXXX XXXX XXXX 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: Debt collection

This collection agency is not authorized to collect in the state of Florida. Eastern account system is not legally authorized to collect in Florida. This debt needs to be removed from my report as they are not authorized on the XXXX XXXX XXXX to collect in the state of Florida.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND REQUEST asking you to remove the unverified account listed below that remain on my credit report in violation of the 15 U.S.C 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that the item is being reported correctly. What this mean is that your company must be willing and able to produce a document in your files that proves the account in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed account which means that you are NOT verified or you can not verify my account and under section 611 ( 5 ) ( A ) of the FRCA- you are required to promptly delete all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXX  on my Experian Credit report has violated my rights. 



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

15 USC 6801 states that Credit Reporting Agencies have an obligation to protect non public personal information 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions the FCRA states that companies are obligated to maintain accuracy of all items reported.

The information in this account are not only private but they have been reported INACCURATELY and the reporting of this information has damaged my ability to acquire funding and has greatly impacted my mode of living.

I have communicated in writing several times with company and they have failed to comply with my written instructions, as well as failed to provided details of the results and methods of investigations.
Product: Debt collection

I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Product: Credit reporting or other personal consumer reports

I will not accept your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. I have previously submitted all necessary documents. Who granted you the authority to determine what constitutes a material fact? You are not a judge, a jury, or in any position to make such judgments. You have absolutely no right. 

The Federal Trade Commission ( FTC ) clearly states that when you receive an FTC identity theft report filed with a law enforcement agency, your obligation is to comply with the law. 


XXXX XXXX XXXX, XXXX - XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

This is your final opportunity to handle my identity theft request properly, or I will pursue legal action in a courtroom where you will be held accountable for the damage caused to my reputation, credit, and emotional well-being due to this matter. Your negligence regarding material facts will be glaringly evident, and you will be required to compensate me for your recklessness.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries were placed on my credit report without my knowledge.Below will be attachments and proof of the following fraud which was committed.
Product: Debt collection

XXXX XXXX XXXX obtained lawyers to sue me about a student loan debt and they also turned my account over to Transworld Systems for collections. They are reporting to the credit bureaus monthly that the debt is delinquent and have never notified me of the debt. I obtained a lawyer for fight my lawsuit with XXXX XXXX but don't understand how they can sue me and use this collection agency to ruin my credit. I just received a letter from my attorney for a stay in my court case. But as of XX/XX/18 this collection agency has reported again that I'm delinquent and for an amount that I know is not correct. I asked my attorney to have them prove they owned this debt. I have never received anything from Transworld to dispute this debt. They have never contacted me.
Product: Debt collection

I received a letter at my residence in XXXX, XXXX via my employer ( XXXX XXXX ) that I would have my wages garnished for a debt. I reached out to my employer for more information however they were short with me. I made several attempts to the court however they were no help. I would have physically went to the courthouse however I live in XXXX and the court house was in XXXX XXXX, XXXX. I was never notified by the debt collector ( Asset Acceptance ) or court formally at my residence in XXXX. To make matters worse they took me to court in a state that I do not reside. The debt was paid in full however they refuse to remove it off my credit reports. I still to this day do not know what the debt was for. The case number at the court house is XXXX and the XXXX XXXX XXXX XXXX XXXX. The county is XXXX County, XXXX XXXX, XXXX. I have also included my XXXX XXXX license to prove I got it issued on XXXX/XXXX/2008 once year prior to the Judgement issued to me.
Product: Credit reporting 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 XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If 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 XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}