23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom this may concern, I am in the most unjust situation. This is actually the second time I have complained and nothing was done. I have proof that I was given a loan modification with all the escrow built into the loan, with my rate and I paid Home Owners Insurance through my HOA. So after I refinance by accepting the loan modification ( we fell under hard times but recovered ), they then sell my loan. The new company was fine, but they kept asking me to provide insurance proof and I did, but it did not go through, so they placed lender placed insurance on my house. I then appealed and proved I had HOI through my HOA, even though it was exceedingly difficult. Then they said they accepted my insurance, but then sold my loan to my current company, SN Servicing Corp. 

Ever since SN Servicing Corp took over my loan, they have destroyed my credit! My last lender evidently did not resolve my unnecessary escrow balance for unnecessary insurance, which I provided the proof I didnt need. 

They then tell me I somehow still owe them for the escrow imbalance that they inherited from my last company. You would know this because I had always paid my escrow through my lender and I did not need insurance, so there was no escrow balance. It was from the last lender 's misunderstanding and we fixed it and I should have been given a credit. Nonetheless my new lender said I had to pay {$900.00} and I did. Then they said I owed {$1500.00} and my payment would go up a little over {$200.00} a month for " taxes '' increased, which is impossible, because I checked with my city hall. You mean to tell me I am supposed to pay {$700.00} a month in escrow just for taxes and mortgage insurance ( because I dont pay HOI through escrow, I pay through HOA ) when before it was never more than {$300.00} at most. 

Yet, I had been paying my new proposed payment which increased by over {$200.00}, yet because of this unjust and unnecessary escrow imbalance, they now say I owe over {$8000.00} to be current! This is insane! This is not fair! I have documents to prove all of this. My credit is being destroyed and becoming indebted beyond being able to catch up, all while never missing a single payment and even paying the increased monthly payment of over {$200.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Accounts Request for Investigation under FCRA Section 605B ( 15 U.S.C. 1681c ) Dear TransUnion, I am writing to formally dispute the accuracy of the following accounts reported on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), I request an investigation into the following accounts, which are inaccurately reported or do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts appear to have been inaccurately verified, and I request that you provide me with documentation validating their accuracy or remove them from my report. 

Under the FCRA, you are required to conduct a reasonable investigation and resolve this dispute promptly. I have attached a copy of my identification, proof of address, and a copy of my credit report highlighting the disputed accounts for your reference. 

Please provide written confirmation of your findings within 30 days of receiving this letter. I expect the inaccurate accounts to be removed or corrected immediately as they can not be verified accurately. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

The list of inquiries are unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data straightaway would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Credit reporting or other personal consumer reports

On the date of XX/XX/XXXX, complainant submitted a complaint with CFPB regarding inaccurate information on consumers credit report and requested for credit reporting agencies., TransUnion XXXX XXXX XXXX and XXXX to open a reinvestigation to discontinue reporting and then delete inaccurate information damaging consumers credit worthiness. 
Following the 30 days reinvestigation neither TransUnion, XXXX, XXXX, nor the original debtor could provide me with any documents to verify that i owe any debt connected to the following accounts : XXXX ( XXXX XXXXXXXX ) Acct # XXXX - Date XXXX XXXX, XXXX and XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX  XXXX ) Acct # XXXX - Date XXXX XXXX, XXXX. Furthermore, there is a myriad of inaccurate and inconsistent account information ( e.g. inaccurate account type, Date opened, XXXX status info, No. of months term, Last reported, Date last active, Date of last payment, and reporting of payment history. These accounts are obviously inaccurate and shall be deleted given their derogatory impact and should have never been modified to closed accounts. In addition to these inaccurate accounts complainant also disputes unauthorized and unverified hard inquires ; TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). Please review all attached documents.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an error on my credit report and request the immediate removal of mixed credit information that does not belong to me. Upon reviewing my credit file, I discovered that an account that clearly does not belong to me is incorrectly associated with my credit report. This account belongs to another individual and is a result of credit file mixing, which has caused significant confusion and harm to my credit history.
Product: Mortgage

SUMMARY Nationstar Mortgage has been harassing me for a debt that they are attempting to collect that is not legitimate. They have filed this debt on my credit report as I will show you. EXHIBIT A will show you where the mortgage was assigned from XXXX to Nationstar Mortgage LLC which indicates the effective date of the assignment of mortgage was on or before XXXX/XXXX/XXXX. EXHIBIT B will show you where the Nationstar Mortgage LLC assigned the mortgage on the same date to XXXX. EXHIBIT C will show you where Federal Home Loan Mortgage Corporation had a warranty deed dated and fully executed on XXXX XXXX, XXXX. Which was notarized in the attorney 's office of XXXX XXXX XXXX, XXXX, XXXX, PA by their employee who is a notary? EXHIBIT D will also show you where XXXX XXXX XXXX Mortgage XXXX prepared a fully executed Release of Mortgage and had it recorded on XXXX XXXX, XXXX. I, XXXX had issues with them recording the document within the allotted time they were supposed to so you will see a letter in which I prepared to the attorney 's office to abide by the law in which they completed. On XXXX XXXX, XXXX, a year and XXXX months later I started receiving phone calls ( Call log EXHIBIT E ) and letters from Nationstar Mortgage indicating I owe them money and they were trying to collect on a debt from XXXX. This is so emotionally stressful for me as in the enclosed documents you will note I worked so hard for the mortgage company to have the mortgage released due to I lost my job. It took them 2 years to complete after ; I made written complaints to the OCC. EXHIBIT XXXX in which the company lied to Office of the Comptroller of the Currency ( OCC ) indicating they had taken care of everything in which in fact they did not. EXHIBIT ____. Then I had to follow up with OCC to advise them that in fact the company did not complete where they were supposed to. Well needless to say it was finally completed back in XXXX and now they are back at it again. I have paid all my bills on time and I tried to apply for credit and was denied. I did n't understand why until the phone calls started. I have since put in an investigation to try and have my credit corrected. However that does n't change the fact that I am denied credit. I have told the individuals several times I do not owe them and they are harassing me. Nationstar does n't even have an interest in the property as they assigned the mortgage and the mortgage has been release. I even have received paperwork to file along with my income taxes to show as well. Now they will try and file this against me twice as income with the IRS and this is not right. I have to pay the court for filing fees etc. For something this company has no rights to.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). 

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end. I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). 

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; DELETE THESE THINGS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXX XXXX XXXX Prancer Capital Corp AND ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, l will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX All Rights Reserved Without Prejudice
Product: Credit reporting or other personal consumer reports

I just want to remove ALL FRAUDULENT INQUIRIES from my credit reports. And I am NOT at ease that these fraudulent inquiries were still in my credit reports. I am once more asking to the Experian and XXXX to please REMOVE these listed fraudulent inquiries from my credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My loans fall under the Sweet Lawsuit Loan Cancelation that recently took place as I attended XXXX XXXX XXXX I keep trying to find out when they will be wiped off the books. I've applied for the XXXX XXXX XXXX case, a complaint case and a feedback case and they keep getting closed with no response. My loan servicer Naviant keeps calling and will not stop!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payment. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Debt collection

I have previously complained about Portfolio recovery ( hereinafter PR ) and the complaint was closed and nothing was resolved. Complaint # XXXX as well as complaint # XXXX. PR has been negatively reporting to the credit reporting agencies causing my XXXX XXXX to drop significantly. I have requested validation of the alleged debt and PR has NOT issued proper validation of this alleged debt, contrary I have come to find out they had a claim against me in court. 
Furthermore, PR never sent me any first communication, yet in PR response to my dispute with the credit reporting agencies, PR sent me a " copy '' of a sold letter that allegedly was sent from XXXXXXXX XXXX. I have requested PR on several occasions including via email a copy of the alleged contract between XXXX and PR. and copy of the forward flow agreement. The invoice for how much they bought this alleged debt. All statements and documents provided to them by XXXX that made them believe this alleged debt was valid. Along with the statements as what they sent me was incomplete. I need someone's assistance with this company. PR does not care about consumers ' rights and they are just getting away with making consumers ' lives more complicated and stressed and causing the extension of credit difficult. 

Not only is PR in violation of several federal laws that protect me the consumer, but also PR has engaged in identity theft by reporting to the credit reporting agencies without prior authorization from I the consumer, and forging a fake contract. I have never contracted with PR nor given PR any permission or authorization to have use of my personal identifying and private information, let along make negative remarks on a public medium such as a consumer report.
Product: Mortgage

I participated in the COVID forbearance program offered by US Bank, the problem is that we signed and next day aired paperwork to them on XX/XX/2021 to exit the forbearance program and now Im in the process of refinancing with another lender who requested the exit letter from our bank so over 6 months has gone by and they havent done this yet. Weve also been calling and making payments for the last 6 or 7 months and every month they told us theyd have it fixed by next month, now my refinancing is in jeopardy and interest rates have gone up, I feel we were mislead we werent able to pay online and had to call in every month to pay and come to find out they arent even applying the payments, theyre putting them in some holding account, we were told that once we returned the signed papers that all wed have to do was make 3 payments before being able to refinance no one mentioned that this process could or would take 7 months to complete, any help you can provide would be greatly appreciated, thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelled my application before the credit check and they checked anyway knowing I refused it
Product: Checking or savings account

TD bank violated their agreement with the Consumer Finance Bureau by excessively charging a military veteran excessive fees. Not only that, TD bank returned automatic payments but kept bank fees and violated our contract to still pay all debit transactions based on our signed debit card transactions overdraft agreement. 

I was in Another State for XXXX Holidays, I called TD Bank and informed them of that as it was my duty to make all financial institutions aware that I am out of town for XXXX holidays to prevent fraud. I had the money in my td bank savings account. 

Td bank never attempted to retrieve the funds for payment from my savings account, but instead, they returned automatic monthly payments and charged me excessive fees. 

Moreover, td bank is in violation of the CPPB agreement and policy because td bank charged me in excess of more than 6 banking nsf and overdraft fees within 1 week which is a direct violation of CFPB AND THE FAIR DEBT/CREDITORS ACT. 

Td bank never sent me written communication of these excessive fees. 

Lastly, when I informed TD bank that I am traveling for XXXX in another state, and asked TD bank, how do I deposit money in my account, td bank stated that they dont have a bank in the state that I am traveling to and td bank told me to have a friend deposit the funds for me in my home state which could be a violation of potential fraud by td bank making me tell a friend to deposit funds in my personal bank account. I asked td bank are there any other alternatives of getting access to my bank account to deposit funds and td bank said NO. 

Please pull all recordings of td bank conversation with me for XX/XX/2021 on the phone for further proof. Thks
Product: Mortgage

I have been working with Amerisave for the purchase of a new home. During the appraisal process the appraisal company took extremely long to complete the appraisal report. Infact as of today ( XX/XX/2022 XXXX XXXX  ) I still don't have the appraisal report even tho " we signed the binding purchase and sale agreement on XX/XX/2022 with financial contingency of 15 days. Today is still within the 15 days time limit. Even if I get the report later today ( they have now promised to give it to us by XXXX today ), I feel like we do not have adequate time to review it and present any counter offers to the seller. I feel like Amerisave is trying to force me into a corner where there is no room for negotiation. I kept following up with Amerisave to see why the report is taking so long several times and they always said to me that they are required by law not to contact the Appraiser. They always told me they have no relationship to the Appraiser. However today morning I found out via XXXX search, to my horror, that in fact the appraisal company XXXX XXXX  is owned by Amerisave. I am extremely troubled to find out that they were lying to me all this time. They could have easily told me it is their own company and I would have requested for an independent Appraiser to review this property. But they told me repeatedly that they have no control over this process and can not call the appraiser directly. I'm worried that since they have deceived me in this, they are probably doing something else deceptive in the loan process and I might end up being in a bad spot in the future financially. Can you help me with my loan process or assign someone to help me? I am troubled about the situation I am in. I like the home and would like to buy it, but would like to have a fair and trustworthy financial partner to work with me in this process.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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 XXXXXX/XX/XXXX
Product: Mortgage

I was approved for a modification through Vanderbilt mortgage and financial, inc. XX/XX/2016. My probationary period was XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made XXXX payments without any problems. Then at the end of XX/XX/XXXX I was wrongfully terminated from my job leaving me with no income. I was able to borrow the money and called to make the payment on XX/XX/XXXX, I was informed that they would n't accept the payment and that my house would be auctioned off on XX/XX/2016 no exceptions. I received a letter dated XX/XX/XXXX which I did n't receive until the XXXX, stating I did not accept the trial payment plan and that there was no other relief they could offer me. I called on XX/XX/XXXX to inform them again that I was unemployed and that I was lead to believe that the forbearance could be extended because of this. They informed me that nothing could be done and that my home would be auctioned off on XXXX I have not been served or mailed any documentation stating that date. I have only been told XXXX different dates verbally over the phone. I am a single mother of XXXX children and I live in a very rural area that currently has a housing crisis and many people are homeless. If my home is sold I will be homeless as I am unemployed and suffering from anxiety and XXXX from the stress of loosing my job and my house back to back. I answered yes to the question below regarding did they help prevent foreclosure because they did when I was approved for a modification.
Product: Credit reporting or other personal consumer reports

Good day! I am requesting for your assistance regarding with these wrong informations on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and UPDATE the listed accounts below. 


XXXX Account Number : XXXX This account was misleading please remove it ASAP. 

XXXX  Account Number : XXXX Please investigate this account was DUPLICATE ACCOUNT please remove it ASAP. 

XXXX XXXX Account Number : XXXX Please UPDATE THIS ACCOUNT ASAP.
Product: Payday loan, title loan, or personal loan

I received an email stating that my loan was approved on XX/XX/2023 and expect my funds to be deposited into my account. The funds of {$1000.00} was deposited into my account on XX/XX/2023. I did not apply or request any type of loan from Cashnet USA. I contacted CashNet USA to let them know I did not apply for any loan and they stated they will reverse the funds out of my checking account and close this account with their company.