23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a follow-up to complaint # XXXX Since my first complaint on this matter related to cancelling PMI, I have had communication with Wells Fargo. Apparently the original BPO prepared never made it to the Bank. As a result, a second real estate professional was scheduled to prepare a brokers price opinion. The broker came on XXXX XXXX, XXXX to perform the property inspection. I followed up with a call to the Bank a few days later to determine if the valuation report had been received and to inquire if the value opinion reached was sufficient to permit the cancellation of PMI. During our call on XXXX XXXX, XXXX XXXX at Wells Fargo advised that XXXX XXXX now required a full appraisal instead of just a value opinion derived from a BPO. Though I am a XXXX XXXX, I researched the servicing rules established by XXXX XXXX as they are a matter of public record. The servicing guidelines advise in no uncertain terms that the servicer, not XXXX XXXX  determines the appropriate approach to establish the current value of the subject property. Why would XXXX XXXX blame XXXX XXXX when this is n't true? She further advised that she would have an appraiser contact me to set up an appointment for an inspection. As of today, I have not received a call from anyone attempting to perform an appraisal on the property.
As a reminder, the check for the {$200.00} fee was negotiated by Wells Fargo on XXXX XXXX XXXX, and still here we are no closer to resolution. I ca n't imagine that I am the only mortgage borrower being subjected to these games by Wells Fargo. I strongly recommend that your agency take a closer look at the PMI cancellation practices at Wells Fargo.
Product: Mortgage

This is a follow up Compliant against Rushmore Loan Management and XXXX 
Under XXXX vs XXXX XXXX XXXX. Case # XXXX in XXXX XXXX Ohio Court. The case began in XXXX and previous complaints were filed XXXX, XXXX, XXXX. 

XXXX Purchased the property on or around XXXX/XXXX/XXXX. The sale was confirmed around XXXX XXXX. The Bank had 30 days to pay the Sheriff 's Department the owners equity the remaining balance or forfiet there deposit. The Bank did not pay the remainging balance and owners equity until on or around XXXX XXXX, XXXX. The Bank as Plaintiff did not schedule or allow a move out date or date for the owners to remove any personal property. 

The Bank should have lost their deposit and been held in contempt of court for not complying with the law. The owners had to maintian homeowners insurance on the property while not having access to the property and are waiting for the home owners equity to be paid out. The owner 's request the CFPB review the past complaints as this could be the main reason the bank has delayed payment and foreclosure procedures to continue to cause financial harm and harrassment to the owners. 

Respectfully Submitted, XXXX XXXX XXXX, Owner and Executor of the Estate of XXXX XXXXXXXX XXXX, Ohio XXXX
Product: Debt collection

On XX/XX/XXXX i sent Certified letters out to MIDLAND CREDIT MANAGEMENT ( XXXX # XXXX XX/XX/XXXX FOR {$470.00}, ) and on XX/XX/XXXX i sent XXXX XXXXXXXX XXXX {$1100.00} XXXX # XXXX XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX which is a medical bill and medical bills are banned.. i sent MIDLAND & XXXX XXXXXXXX A validation of debt and cease and desist and they are still reaching out to me and reporting this on my credit reports 15 USC 1692b cease and desist AND ALSO XXXX XXXX XXXX XXXX # XXXX balance {$6100.00} -- XXXX place for collections
Product: Credit card or prepaid card

I have been asking for a lower rate and they keep saying we review every 6 mo. Well its been more than that and I still cant get them to lower my rate. I have been a customer since XXXX. My owed amount is very near my limit and the high interest rate is making it impossible to pay anything towards the amount owes. All the payment does is cover the interest.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer SSN : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX ; XXXX XXXX XXXX; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX ; XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Debt collection

Southwest credit systems is on my credit report, I would like for this company to provide me with the original contract for this account. I would also like for this company to provide me with any documents that they might have where my signature appears in wet ink. As far as I know I have never had any type of business with this company, if the original contract cant be provided to me, please delete the account from my credit report. The FCRA states that upon request, the original contract must be provided to the consumer.
Product: Debt collection

I know that my identity was stolen and after discovering it, I put a block/freeze on my credit report to prevent unauthorized access to it. And while I discovered that an account was opened with my identity, I tried resolving the issue with the merchant but to no avail.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i. 
In response to my dispute regarding the account XXXX XXXX ACCOUNT # XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate. 
According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( XXXX ) 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 : ( i ) 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. 
The reporting of these account ( XXXX ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated. 
I hereby request the immediate deletion of this account from my consumer reports. 
Enclosed, please find a copy of my identification and a recent utility bill for verification purposes. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had employment background check done and this came up on report XXXX XXXX XXXX XXXX First : XXXX XXXX XXXX Last : XXXX I have never been there, lived or worked there
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - received information via mail about XXXX attempted credit cards being opened in my name. They were denied which is concerning as I have great credit. 
XX/XX/2022 - called both companies to report fraudulent attempts at obtaining credit card. Both companies confirmed they were attempted online. Both confirmed that my social security information, birthdate, drivers license, name, and home address have been compromised. Both companies have reported the fraudulent activities and are investigating. More information to be sent to me via mail. 
- Called XXXX, XXXX, and XXXX to freeze my credit reports. 
-FICO credit score confirmed that my score has been negatively impacted by these activities. 
-Contacted this website : US Federal Trade Commission to report activities. 
-Currently on call with Social Security Administration for assistance on steps to take. 
-Will be calling DMV to report that my driver 's license number has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX A dispute has bee filed with each Credit Agency. XXXX, Experian and XXXX, Experian Business Credit. As well as my second complaint in the past 3 years with Consumer Financial Protection Bureau. I made submitted a dispute in XXXX and the account was removed from my reports and then a few months later placed back on my reports as well as my business credit reports. It has prevented me from obtaining funding for my business. Constantly accessing my credit without my consent. Reporting late payments currently on a closed account/ charge off that isn't mine. I was told by XXXX XXXX that the account was FRAUDULENT and they repossessed it that it would be removed from my credit report. I have requested bourdon of proof several times I was a victim of the of the XXXX XXXX breach as well as XXXX. XXXX XXXX saw that I tried to obtain a credit card which I was denied due to inaccurate/ fraudulent. XXXX XXXX XXXX  XXXX. How did they get my current information? They offered me a credit offer for a XXXX XXXX on XX/XX/XXXX. I declined the offer due to my not opening the account at all. They have sold the account to other Collection Agencies then report as if its a new account. These are the dates : XX/XX/XXXX I contacted XXXX XXXX after it was on my credit report. I disputed them 9 or more timesXXXX, XX/XX/XXXX after it had been placed on my business credit report, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX until I wasn't allowed for a while until today.
Product: Debt collection

Fraudulent and Unlawful Practices made by Bridgecrest. On XX/XX/2023 assumed account status was confirmed by multiple Bridgecrest agents that account in question in now Paid in Full and Closed. On XX/XX/2023 it was noticed by me that this account was re-opened by Bridgecrest without any prior knowledge or consent given by me. I immediately contacted Bridgecrest regarding this issue and was told by another agent that account was considered Closed as Paid in Full but has manually been re-opened. I responded to agent that this was done without my consent knowing that prior debt has been considered discharged and to immediately close this account as Paid in Full. The next day XX/XX/2023 the account in question was Closed again. In a Breidgecrest response letter dated XX/XX/2023 I observed in the transaction list provided that transactions were showing Manually altered post dates of recent transactions made on XX/XX/2023 which resulted in Fraudulent Acts made by Bridgecrest. In addition to Fradulent Acts I was notified via CRAs that Bridgecrest attempted to verify a dispute knowingly having knowledge of account being discharged prior and also aware that car has been Sold on XX/XX/2023
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # 273997 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XX/XX/year> I filed a dispute, They advise a provisional credit will be applied after 20 days, however. I am not a new customer, this account was recently opened but I have been with netspend awhile. I asked for documentation on dispute and guidelines they are governed by, and what is considered a new account I was denied that information. I have been on multiple calls, many agents have hung up. I have spent 4 hours today on the phone.
Product: Credit reporting or other personal consumer reports

- I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE
Product: Checking or savings account

I deposited a $ XXXX check from my family trust on XX/XX/XXXX, they said the funds would be released on XX/XX/XXXX at XXXX. They did not release until XX/XX/XXXX. No one will give me a reason why two days late.
Product: Mortgage

Bank of America Accounts compromise, Bank of America personal checking account, Bank of America Business DBA Account, Bank of America Merchant Account, Bank of America XXXX XXXX IRA, Bank of America secure Platinum Credit Card Account, Bank of America Home Loan Account. My accounts compromise, without no reason code, tried to close My accounts. I have all the legal documents for my accounts, My accounts have large legal payments, verbal, written, Documentation for all my Bank of America Accounts. Documentation has been filed with the irs, tax, Congressman XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes a lot of collections on my account that I didnt authorize it I am a victim of identity theft so let a lot of stuff shouldnt be on my credit please dispute all them not the car loan every thing else thanks
Product: Mortgage

My mortgage company granted me a 12 month forbearance, that ended XX/XX/XXXX. Throughout my forbearance I kept in contact with them. I was always told that when my forbearance ended, I would need to submit a Mortgage Assistance Application for further evaluation of my situation. I was led to believe that I would be able to possibly have my interest rate lowered or somehow have my payments lowered to be more affordable. My situation has not changed and when I got back the evaluation dated XX/XX/XXXX, they wanted to raise my interest rate, extend my mortgage, which of course raised my payment. I could not agree with those options, so I was told to submit another Mortgage Assistance Application. I faxed it XX/XX/XXXX. I got a letter, also dated XX/XX/XXXX, that pretty much kept bringing up the option of Short Sale. They indicated with a new application they could, again, review my expenses to determine affordability of a repayment plan. 
Never before had any correspondence asked me to submit my expenses to be considered. The applications requested income information. Had they considered my expenses, the review would have had a completely different outcome. I am unable to upload documents to send, I will need to fax them, if I can somehow get your fax number?
Product: Money transfer, virtual currency, or money service

A few mishap although I can recall this one. Someone owe & sent me money then disputed. Oh another was someone sent me money they sent to much had me send the overage to them the dispute the entire transactions.
Product: Mortgage

1. Problems obtaining loan modification, paperwork was always missing on their end. This occurred for 2 years before we had to finally file bankruptcy to avoid 2 foreclosure sales on our home. Countless faxing of information they said never was received. 
2. We've had a loan modification for almost 2 years now and have never received our payment book. 
3. We have never received our monthly or periodic statement the entire time. We were informed we had to sign paperwork to receive our statements. 
4. Our loan amount went from owing XXXX to a loan mod of nearly 750,000 due to lawyers fees, late charges, penalties and missed payments. 
5. Servicer refused to take payments from us when we became behind in mortgage in the year XX/XX/XXXX, thus adding the new owed amount. 
6. Servicer refuses to help us make late payments because we're in a bankruptcy. 
7. month and a half ago we asked for statement and they refused, we told them they wont get paid until we receive our statement, still haven't received a statement. 
8. Was told on XX/XX/XXXX they had our automatic stay lifted and was signed by a judge. we and our bankruptcy attorney have no knowledge of this and were never notified. 
9. Our servicer foreclosed on our home twice, never by our note holder. 
10. Payments have been misplaced for weeks by servicer or lost. We call 3-4 days a week and are told something different every time. 
11. I'm now on anxiety medication due to constant stress and fear of foreclosure. All we want is to save our home, servicer refuses to help. 
12. Just want to save home and figure out why we went from owing XXXX to over 700,000 because servicer refused to take our payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2022, I identified a discrepancy with the account listed under XXXX XXXX XXXX, and validation was requested as this was an account that I did not recognize. I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. I do not believe the account belongs to me nor do I believe that the creditor has the authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct below i attached XXXX results proof I tried to fix the problem with the company proof of receipt sent certified mail
Product: Checking or savings account

I received a copy of my ChexSystems record and I have found several inaccuracies in the report. I am contacting you about the compromising of my information. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from ChexSystems record and send me an updated copy of the ChexSystems report. 
In detail, you recorded that I had non-sufficient funds with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this record because I believe it to be inaccurate. Please request evidence of this unresolved outstanding negative record from [ bank name ] and investigate this item for me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter to XXXX, XXXX XXXX Equifax requesting that they verify the accuracy of an account reporting on my credit reports- XXXX XXXXXXXX XXXX I have attached said letter. I sent this letter because I checked my credit reports and noticed that the account in question had different information across all three bureaus and I know that it is the credit bureaus responsibility to ensure that creditors are reporting accurately. I received a response to my letter from XXXX on XX/XX/XXXX. It stated " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' On XX/XX/XXXX Equifax sent me a notification stating they completed the dispute with no changes made to my credit report. XXXX responded last on XX/XX/XXXX claiming to have verified and updated the account information ( which I've also attached ). As of XX/XX/XXXX my XXXX credit report has XXXX XXXX reported as 30 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX. My XXXX credit report has XXXX XXXX reported as 30 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX. My Equifax credit report has XXXX XXXX reported as 60 days in XX/XX/XXXX and 60 days late in XX/XX/XXXX. I have attached screenshots for each of these instances. All 3 credit bureaus still have different information and it is negatively affecting my credit score. The only thing we can be certain of at this point is the date the account was opened and the date it was closed. I am requesting that be the only data that be reported to my credit report as clearly XXXX XXXX has not accurately furnished the data to the bureaus aside from the opening and closing dates. This was done for another account of mine which also reported inaccurately and I would consider this an agreeable resolution.