23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The basis of my complaint are concerns around the Mortgage Servicing Transfer process by XXXX and Caliber Home Loans. As a result of their actions noted below, they have failed to protect my rights under key foreclosure protections. 
On XX/XX/XXXX, I submitted a completed loss mitigation application to XXXX. On XX/XX/XXXX, I received an electronic notification from XXXX confirming the package was received. My completed application was received by XXXX more than 37 days before a foreclosure sale, and XXXX failed to inform me that I was not eligible for any loss mitigation option. 
Instead, during the pending status of my completed modification application, XXXX sold my loan as of XX/XX/XXXX to XXXX Master Participation Trust and subsequently sold the servicing rights to Caliber Home Loans as of XX/XX/XXXX. The following outlines the timeline of events and notices from XXXX, XXXX and XXXX XXXX ( Notices from XXXX and Caliber are attached ) : XXXX XXXX, XXXX, notice states the servicing of my mortgage was sold to XXXX as of XXXX XXXX, XXXX. This notice does not meet the content requirements under RESPA. The notice does not include the new servicer address nor the Federal disclosure regarding late payment protections. 
XX/XX/XXXX, I contacted XXXX to request a status of my loan modification application. XXXX informed me my application was complete and in " Underwriting '' and was also informed my loan has been sold. XXXX provided me with the contact information for the new servicer. 
I contacted Caliber and was informed by the Rep that they were waiting on loan modification documents from XXXX. I was confused by this since I did submit a completed application prior to the servicing transfer date. They stated my application was incomplete because they did not receive income documentation. I submitted Income documentation to XXXX with the original application to XXXX on XX/XX/XXXX. 
XX/XX/XXXX, notice from XXXX XXXX states that my property would be sold on XX/XX/XXXX. 
XX/XX/XXXX, notice from Caliber requesting I provide a complete package by XX/XX/XXXX. Caliber failed to allow 30 days to provide the package. 
As I understand the rules, a mortgage servicer can not start the foreclosure process if a completed loss mitigation application is pending. I believe this to be considered " Dual Tracking '' and constitutes a RESPA violation under the Mortgage Servicing Rules. 
In accordance with the Mortgage Servicing Rules, Caliber had a duty to send an acknowledgment notice to me within 10 business days of the transfer date. And, Caliber should have evaluated my application within 30 days of the transfer date, in in both cases, timing requirements were not met. 
In addition, XXXX received a timely complete application, and XXXX XXXX should not have moved for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am experiencing problems with lender XXXX XXXX  # XXXX. This company has been reporting information on my consumers report that is in violation of my rights and has caused an substantial amount of damages to me and my business. I have contacted this company via telephone and mail concerning this matter, still no response. 15 U.S Code 6802 states ; a financial institution may not disclose nonpublic personal information to nonaffiliated third party companies. Also, 15 U.S Code 1681 states ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit reporting agencies have phone numbers reported to you and are on their website that does not work! An automated system gives you slim choices, none of which are to take to a live person, and then it hangs up on you. How about you call the numbers that you have and see where it gets you. Why do these credit reporting companies want you to pay for services when they have to much control of your life and can but burden on you by reporting misinformation and hindering your ability to contact them. Next, how can they report my score correctly when they can't even get my employer correct? My employer is easer to find than my credit card companies. Furthermore, when you file a complaint the company you are filing against should have to show proof of what they are reporting. Lastly, for now, how can the credit reporting agencies have stock? You can not be fair if someone can have control of your company through stock. I would love to know how the government let this happen.
Product: Mortgage

I requested a verification of mortgage ( VOM ) and the lender refuses to send a correct document. The loan is for two properties -- XXXX XXXX XXXX, XXXX, NC XXXX and XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The lender sent a VOM form only showing XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I called and requested a corrected VOM to show both property addresses. The lender said they could not change the VOM. The lender should be able to produce and true and correct document. The document showing only one address is not accurate. I am in the process of refinancing XXXX XXXX XXXX and the lender will not give me a document showing that address on the VOM. This is interfering with my refinance.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA XXXX accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$700.00} **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :.
Product: Debt collection

I sent a request for validation to PHOENIX FINANCIAL SERVICE for the they claim I owe them, they received my initial letter on XX/XX/2017. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the Chief Executive Officer XXXX XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to. Thanks for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT FOE YEARS SOMONE HAS BEEN USING MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent an letter to XXXX XXXX XXXX Home Loans ( account # XXXX XXXX. I advised XXXX XXXX XXXX Home Loans that the company is reporting incorrect information to credit bureaus indicating the account is currently 90 days past due. However, XXXX XXXX XXXXXXXX Home Loans sold the loan to another company and should be reported 90 days past due.
Product: Debt collection

Portfolio Recovery Associates Account # XXXX asserted collection for XXXX XXXX Account # XXXX for {$700.00}. This collector continues to report inaccurate information, that is known to them as inaccurate. Portfolio Recovery Associates is " recycling '' asserted debt, passed delinquency date in effort to oppress consumers financial standing by exceeding the retention date. 
Historically, Portfolio Recovery Associates has changed the payment history for the purpose of extending the retention date within consumers credit file. In review of my XXXX Credit file dated XX/XX/XXXX report versus my XXXX Credit file dated XX/XX/XXXX reveals Portfolio Recovery Associates Account # XXXX extending this reporting time by an additional 3 years. The actions of this collector is reckless, targeted, and with malice intent. 

The payment history, date opened, date first reported, status, and comment has been falsified in an effort to continue to oppress consumers financial standing. Portfolio Recovery Associates Account # XXXX on behalf of XXXXXXXX XXXX Account # XXXX had recycled the date of asserted delinquency to continue reporting in excess of the law allowed retention date. 

This matter has been satisfied since XXXX, four ( 4 ) years prior.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX EMPLOYEE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Charged off XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6500.00} Charged off XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$640.00} Collection XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Date Opened:XXXX Balance Owed : {$0.00} Collection Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I sent to the CFPB a complaint on Credit Reporting. XX/XX/2021. Everything has to do with Wells Fargo. The CFPB has to initiate a standard of protection to the Home Owner at no fault of their own, due to Wells Fargo error, Foreclosures are basically a scam and the only ones who profit are Foreclosure Attorneys and their Mills and the Banks. 

Please review the info I sent today. The other company I mentioned are HOA 's and the Management companies they hire and they are growing in numbers and in strength. They used to be good years ago not anymore. 

What if a bank has one bad loan officer and scams the victims with out knowing it until it is to late. 

My present bank, I spoke with an employee who used to work for Wells Fargo. I told her you don't know me but I was with Wells Fargo and was informed of a certain loan officer who was not suppose to be trusted. I mentioned her name. She informed me, " I heard the same. '' Does Wells Fargo instruct their loan officers to deceive people? 

In the middle of a major dispute with Wells Fargo 's attorneys. My soon to be ex attorney will dismiss himself which saved me the trouble of firing him. He did absolutely nothing. No meeting. Nothing. No counter claim. Nothing. 

My request to CFPB that all foreclosures especially with Wells Fargo, will be mediated with a law clerk with some form knowledge of contracts or some form of fraud. Wells Fargo, breached the contract by posting my payments on the wrong account. Not applying more to principal. Opening an account which I never applied for. The list goes on. 

The number one issue when CEO XXXX said, " There was a glitch in the computer mortgage program '' How can anyone know what that glitch was. How much Wells Fargo profitted along with Foreclosure Attorneys and their Mills from that glitch. 

It will be up to CFPB and DOJ to stop foreclosures and have mediation for those who feel they were truly a victim of Wells Fargo 's Fraud. 

A Criminal Entity.
Product: Credit reporting or other personal consumer reports

Sofi Bank is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.
Product: Debt collection

On XX/XX/2021, I submitted a complaint to the CFPB in regards to the issue I am having with Financial Adjustment Bureau. The collector responded to the complaint on XX/XX/2021, and advised that because the account was not disputed within the initial 30 day validation periods they were not obligated to respond. 15 U.S.C. 1692g ( c ) provides that failure by the consumer to dispute the debt during the thirty-day period after the debt collector 's initial communication with the consumer may not be construed by any court as an admission by the consumer that he is liable for the debt. I did not receive any proof from the collector that I was notified of the debts. The company has violated Iowa Consumer Credit Code 537.7103 ( c ) by failing to negotiate my disputes in good faith and willfully refusing to correct the issue. The company claims they have no responsibility to respond to a validation request, but this is false as they're a debt collector and not the original creditor.
Product: Mortgage

Flagstar Bank XXXX Corporate XXXX, MI XXXX Ref : Loan XXXX I am writing this letter to advise you of the difficulty of making my original mortgage payment every month, I originally bought the house back on XXXX 2001 with a very steady job and my mortgage payment history have been very good over this year 's even when my prior job lay me off and I was still able to pay on time. Unfortunately my circumstances right now have been changed because of my illness and my XXXX for long term of my life. 
Now I 'm trying to readjust this financial transition because the income from my long XXXX will not be at the same the half of what was my income, but I really want to keep my home. For me and my disable old mother. 
FYI. Regarding my case as I 'm XXXX person. If I 'm able to modify my loan with the bank and I will be folly charge of my taxes with town and with the school taxes. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXXXXXX FyI i keep trying to modified my loan many time and they keep denied me..all the time and they denied me again after my brother offer to help me and my mother with contraption monthly payment. i have the bloomberg report and we found fraud of my loan. i need help with the district attorney to file case against my FlagStar Bank. because i do not have extra money to cover the legal attorney fee.Thanks. for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to the following account below : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct XXXX XXXX AMEX Acct # XXXX In accordance with section 602 an of the Fair Credit Reporting Act ( 15 USC 1681 ), " There is a need to ensure that consumer reporting agencies exercise their serious obligations with fairness, impartiality, and a respect for the consumer 's right to privacy. '' I am the consumer, and XXXX are consumer reporting companies. According to 15 USC 6801, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information, '' I have the right to ensure that my private information isn't shared. A financial institution is one that " ( Furnisher information to credit agencies ) is by definition under that designation. According to section 2 of subsection ( a ) of section 604 of 15 USC 1681, " In general, anyConsumer reporting agencies may only provide a consumer report under the following conditions : in line with the consumer to whom it relates explicit instructions. ( Furnisher of information to credit agencies ) The financial institution and the consumer reporting companies XXXX do not have my consent to provide this information, and they most definitely do not have my written consent. Any and all consents, whether expressed orally, nonverbally, in writing, implicitly, or otherwise, to XXXX ( Furnisher of information to credit agencies ) are canceled. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party without first providing the consumer with instructions on how to exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never made me aware of my option to withhold information. Furthermore, according to 15 USC 1681C ( a ) ( 5 ), " No consumer reporting agency may make any consumer report that contains any of the following items of information, except as authorized under subsection ( b ) Any other adverse item of information, other than records of convictions of crimes that predate the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX do not follow reasonable practices. A consumer may exercise their right to opt out at any time, according to 12 CFR 1016.7. I choose not to use your reporting services and opt out of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Unfortunately, TransUnion has failed to respond to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : XXXX  XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$2000.00} ) The information indicated on the above account is imprecise. The stated balance of {$2000.00} is higher than my recollection. Additionally, the Past Due section incorrectly reflects an amount. I would like to inform you that this account is closed and charged-off. I intend to communicate with the creditor to clarify the reported data. Until the appropriate corrections are made, I kindly request TransUnion to mark this account as disputed. 

XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} ) The above account is not mine, and I request TransUnion to remove the late payment associated with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX