23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was sold to XXXX XXXX from XXXX. Three payments were made to XXXX ( XXXX, XXXX, and XXXX ) unaware that they were no longer my mortgage holder. XXXX and XXXX payments were wired to XXXX XXXX, XXXX however was cashed by XXXX and never received by XXXX XXXX. The check for my XXXX payment was sent and dated the end of XXXX. When inquiring about the missing payment through XXXX I was told they could do nothing to help me, they said they could not even find my loan number, I needed to go through XXXX XXXX. XXXX XXXX is the XXXX who made me aware that it was cashed by XXXX and then not forwarded to them. An escalations representative stayed on the phone with me to have a three way call to XXXX. Once the call was answered and they were made aware of the third party on the line, XXXX representative disconnected the call. I then called back on my own on XX/XX/year> and spoke to another representative who told me two different files had been opened on the account that I was not aware of, then proceeded to back track and gave me send proof of payment and told me that it would be escalated and I would have answers by Tuesday XX/XX/year>. She refused to escalate my call or let me speak to a supervisor to confirm my proof of payment had been received claiming there was no supervisors available and the department to research my payment did not have access to phones. I have not received any communication until I called today XX/XX/year> the first representative I spoke to told me I would not have answer today, that the issue would be escalated. I asked to speak to a supervisor, who, unaware to me, was unavailable. Called back a second time and spoke to another representative who also transferred me to an unavailable supervisor, claiming I would receive a call back by end of the day. This is affecting my credit and preventing me from being approved for additional loans I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters to dispute accounts which does not belong to me. It has been more than 100 days but I did not receive any response from them. I filed a dispute exactly last XX/XX/2022, another one from XX/XX/2022 and XX/XX/2022. They are not investigating about the issue nor taking proper measures when they received my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022, I received my TransUnion credit report and noticed they are inaccurately reporting XXXX an current open line of credit with excellent payment history as an account in dispute. I have never contacted TransUnion or XXXX and disputed XXXX line of credit. In addition, TransUnion/XXXX  refused to report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit scorXXXX. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practice and hold XXXXTransUnion accountable XXXX I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Product: Debt collection

Since XX/XX/year> this people have been emailing me and calling me non stop. I dont know who they are and how they got my information
Product: Credit reporting or other personal consumer reports

My consumer report contains accounts associated with identity theft, which I never authorized in writing or with a wet signature. Following my recent communication with your organization on this issue, I now formally demand the immediate blocking and removal of these accounts from my report. Their presence has inflicted considerable emotional and financial harm by misrepresenting my credit history and obligations. If not properly resolved, I am prepared to take legal action to protect my rights and seek redress. These fraudulent entries have obstructed my pursuit of critical financial objectives, including home ownership and providing for my family 's needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting Collections appearing in Public Records from XXXX XXXX for {$110.00} on my personal credit report that is inaccurate, false, and incorrect. XXXX XXXX is reporting a Collections account on my personal credit report for XXXX XXXX  as my original creditor, this account is inaccurate, incorrect, and false. There is no contractual agreement between myself and XXXX XXXX currently existing to support any past due amount owed. I have no default to XXXX XXXX  and did not agree to renew or extend any contract with XXXX XXXX. Additionally, XXXX XXXX does not appear anywhere on my credit report as a creditor, original creditor, default, charge-off, or past due. XXXX XXXX  failed to contact me to notify me that XXXX XXXX  turned over an account to collections before reporting this information on my credit report.
Product: Credit reporting or other personal consumer reports

Incorrect Credit Reporting which provided inaccurate credit information, leading to wrongful denials of credit or unfavorable loan terms. 
Failure to Correct Errors Experian did not adequately investigate disputes regarding inaccuracies in credit reports, violating the Fair Credit Reporting Act ( FCRA ).

As A Experian Customer Im Aware of the data breaches that compromised sensitive consumer information, which raising my concerns about their data security practices. 
misleading advertising or practices related to their credit monitoring and identity theft protection services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently According to TransUnion I'm required to pay XXXX $ a month to have access to my own Credit Report. I'm tired of these companies charging money for what should be accessible for free. I've logged on multiple times, had to change my password multiple times only to have them tell me I need to pay a fee to access my credit. BS! 

I want to have legal access to my credit report.
Product: Checking or savings account

On XX/XX/XXXX, my Citibank account was hacked. The hacker took out {$5800.00} from my savings account and took out a personal loan in the amount of {$15000.00} connected to my account. They then wire transferred the money ( over {$20000.00} ) to themselves on the same day. I did not realize there was an issue with my bank account until I tried to gain online access on XX/XX/XXXX to pay bills. My online account was locked so I called customer service to gain access and we noticed on the call that fraud had taken place. On XX/XX/XXXX we made the first possible appointment at the Citibank branch for XX/XX/XXXX and went to the XXXX XXXX  XXXX Police Department XXXXXXXX XXXX and filed a police report which was assigned to Detective XXXX. On XX/XX/XXXX, at the Citibank branch XXXX XXXX provided us with a printout of the fraud on our account and told us to submit a notarized affadavit of fraud to Citibank and request a fraud investigation through the Citibank customer service phone number. I did both things and was told the investigation would take up to 60 days. On XX/XX/XXXX, I received a letter stating that our fraud claim for the {$5800.00} taken from our savings account was denied. On XX/XX/XXXX, I received notification that the personal loan of {$15000.00} was confirmed to be bank fraud, the loan account was closed and the loan was taken off my credit report. On XX/XX/XXXX, I called the Citibank fraud department and told them the personal loan was found to be fraud and hacking so the savings money taken should be fraud as well. I was told I needed to file an appeal which was done on the same day. On XX/XX/XXXX, my fraud claim for savings was again denied and I was never even contacted by the fraud XXXX XXXX. On XX/XX/XXXX, I called to explain that fraud had taken place and {$5800.00} of my money was stolen and I wanted it returned by the bank. Citibank customer service said my only recourse was to file another appeal with the fraud department. I asked that the fraud investigator call me for my evidence since they refused to provide me a phone number or email for the investigator. On XX/XX/XXXX, I received yet another letter saying there was no fraud and my claim was denied and we never received a call from the investigator. Again on XX/XX/XXXX, we called Citibank to have the case elevated to another form of investigation since there were XXXX done with no information gathered from us and we were being denied within days of the appeal. On XX/XX/XXXX, we were told we have no other recourse but to appeal again. We informed Citibank that we would be filing a consumer complaint since we tried to go through them but are not receiving a fair investigation or good customer service when the bank allowed someone to hack our account and steal our savings. This has put us in the hole financially and affected our credit score.
Product: Mortgage

I am disputing the current Principal Balance due on my Mortgage with PennyMac. They claim it is {$9700.00}. The correct amount is {$8600.00}. I am also disputing the XX/XX/XXXX Principal and Interest breakdown on my current bill. They did not apply a Principle Reduction Payment correctly in XX/XX/XXXX and are using illegal accounting practices to pretend the payment did not exist for 40 days.
Product: Debt collection

I received a voicemail on XX/XX/2018 in which the person calling didn't identify herself or the company she worked for. She also didn't say who she was trying to reach. The phone number is from XXXX XXXX, XXXX also got a call from XXXX I called back and the woman was immediately rude and told me if I didn't pay right at that moment she was filing a court case against me for fraud. She claimed to be calling from Critical Resolution Mediation. Unfortunately for me, I fell for their scam and provided credit card information to pay off the so-called debt. The charge on my credit card was not one charge, but it was broken up into three smaller charges that added up to the total. Critical Resolution Mediation is supposedly located in XXXX, GA, but when my credit card was charged it was processed by XXXX XXXX, XXXX in XXXX North Carolina   XXXX. I can find nothing to prove this is a real business. 
On XX/XX/18 I received a voicemail from XXXX in XXXX, TX. It was the same woman reading the same exact script. Again she didn't identify herself or the company and made the same threats that if I didn't call them back immediately " further action will be taken ... '' I have saved both of the voicemails I have received to date and can provide them if needed.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information on my credit file and they decreased my score my 16 points. That's impossible because i paid down on everything by 30 %. Score should be higher not lower.
Product: Credit reporting or other personal consumer reports

I called XXXX and XXXX about inquiries on my credit report that I did not make. They informed me to call the companies and speak with them to see if an account was opened and to ask them to remove the inquiry. Speaking with the companies they informed me that nothing was purchased but the only way I could get these inquiries I DID NOT MAKE removed was if this report was made. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

n accordance with the Fair Credit Reporting act XXXX XXXX violated my rights. 

: XXXX XXXX XXXX XXXX Account Number ( XXXX ) : XXXX XXXX XXXX Account Number ( XXXX ) : XXXX XXXXXXXX XXXX Account XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX. Account Number ( XXXX ). 


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: Mortgage

My primary residence loan was sold from XXXX XXXX  to The Money Source ( TMS ) in XX/XX/2019. 
Since then, TMS has notified me & billed me for an ~ {$1800.00} Escrow shortage and began billing this XX/XX/2019. I have notified that this balance is inaccurate as neither my insurance nor my property taxes have increased to a sum of {$1800.00}. 

I have requested for summary on three occasions spanning several months, however, TMS has no provided such and has given no timeframe to do so. I have paid in good faith for XXXX, XXXX, & XXXX, totaling XXXX {$480.00}, and still not received any information to support this claim. 

TMS appears to be content with charging me additional money on my mortgage without proof.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid AGAIN for a current Equifax and XXXX score. 
Equifax never timely completed investigation from XX/XX/2018. 
Called for Report and Score I just paid again for an told by Equifax system would not provide it nor explanation why dispute because of Identity Theft on XX/XX/2018 has not been timely completed. 
i want Equifax to pay my actual expense incurred for failure to timely complete investigation. I was approved for a personal loan and lender waiting Equifax completed investigation! I want money returned I paid Equifax for current XXXX which i was told last week was XXXX, however Equifax has not provided this information to potential lenders since they told me this. They either intentionally gave me inaccurate information or have intentionally been providing those inquiring false information. I want my money paid today for current score and XXXX refunded. I want Equifax find for failing to comply with law and regulations.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as my final demand for the immediate removal of unauthorized, fraudulent, and outdated hard inquiries from my credit report. Despite my multiple disputes and clear notifications regarding these errors, your agencies have failed to take corrective action, in direct violation of federal law. I have exercised due diligence in attempting to resolve this matter amicably, yet my efforts have been ignored. Your inaction constitutes gross negligence, misrepresentation, identity fraud, theft by deception, and the unauthorized use of my credit. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), consumer reporting agencies are required to ensure the accuracy of the information in consumer reports. Section XXXX prohibits the inclusion of hard inquiries without a permissible purpose, yet unauthorized inquiries from XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, and other entities remain on my credit report. Furthermore, pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are mandated to investigate and remove disputed information within thirty days. Your failure to uphold these legal obligations leaves me no alternative but to pursue litigation. 

Additionally, the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) and Regulation B ( 12 C.F.R. 1002 ) require that creditors and reporting agencies maintain and justify records of credit decisions, including inquiries. The failure to validate these inquiries, despite my formal disputes, is a direct violation of federal law. The continued reporting of these fraudulent and outdated inquiries has significantly damaged my credit, adversely affecting my financial opportunities and my ability to secure fair lending terms.
Product: Debt collection

I am writing to formally lodge a complaint against XXXX XXXX Firm, located in XXXX, PA, previously known as XXXX and XXXX. I believe this firm has engaged in fraudulent activities that have severely impacted my financial situation and well-being. 

Specifically, XXXX XXXX Firm submitted false documents and affidavits to the XXXX XXXX XXXX in New Jersey. Utilizing these fabricated documents, they were able to secure a final judgment against me. Furthermore, I have discovered that they recorded incorrect documentation in the XXXX XXXX XXXX XXXX, including a fraudulent assignment of mortgage, to create the illusion of legal standing in court. Attached you will find documents created by XXXX from the XXXX of XXXX XXXX firm and submitted into land records. 

Notably, this firm has a troubling history, having been found guilty of similar actions in the past, which culminated in their report to the XXXX XXXX XXXX Pennsylvania and a name change to evade scrutiny. It is disturbing to me that this firm is still allowed to foreclose on properties associated with government-backed loans. 

As a result of their actions, a final judgement was found against me and my home has been auctioned off. They have been unjustly pursuing me for funds that I do not owe them. My situation has compelled me to file for bankruptcy to stave off foreclosure, with Ditech being included in that proceeding. 

I am confident that I am not alone in facing injustices brought about by XXXX XXXX Firm 's predatory practices. I have attached all relevant documents to substantiate my claims and urge you to investigate this matter further. 

Document XXXX - Shows the employee XXXX XXXX as a Document Execution Representative of Ditech. This is the attorney certification to the court. 

Document XXXX - Shows the same employee XXXX XXXX named as the XXXX XXXX XXXX with the authority to assign the mortgage. 

Document XXXX Shows proof that the Law firm XXXX XXXX these fraudulent documents into the XXXX XXXX XXXX XXXX XXXX 

The same documents were attached to the complaint submitted to the XXXX XXXX XXXX XXXX in NJ. / XXXX XXXX XXXX certified that all documents were true. 

An attorney, as an XXXX of the court, has a duty of honesty towards the court. Where an attorney neglects that duty and obtains a judgment based on conduct that actively defrauds the court, such judgment XXXX be attacked, and subsequently overturned, as fraud on the court. 

XXXX on the court can be found where an attorney proffers a material misrepresentation in order to obtain a judgment. Specifically, in this situation where an attorney creates fake assignments of mortgage and false certifications. All to obtain a judgement and undue financial gain. 

Thank you for your attention to this serious issue. I look forward to your response and actions regarding this complaint.