23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to make bi weekly payments. Mr. Cooper mortgage company requires that you submit a month in advance before you can start biweekly. Example : I have to pay XXXX and XXXX at the same time. Then submit a form and a voided check requesting the biweekly payments be made to cover the next month 's mortgage. So two payments would then come out of XXXX to cover XXXX mortgage. 
The company denied my request because my name was written on the starter check vs printed, despite them confirming that it would be ok to write it in. When i asked why they needed a voided check when they already received my monthly payments using the same account, they didn't have a specific answer. They then said if i didnt want to use a printed check that i'd need a letter from the bank stating the account was mine, even though they have already been pulling money from the account! This is alot of hassle with no reasoning behind it just to pay bi weekly. If i can pay from the same account monthly, why do i then need to jump through hoops to prove that the account is mine still if i want to pay biweekly. The most frustrating part is they did not communicate with me that the request was denied, which would have put me at risk of defaulting on my mortgage. Something is not right if they can take money out of my account monthly but they may me prove it is my account if i want to pay biweekly from that exact same account. Furthermore, to not communicate that a request to pay biweekly was denied is deceptive when you think your mortgage is being paid and it isn't.
Product: Credit card or prepaid card

I never received a mailed statement for the month of XXXX. I have always been on time and had I received it I would have been then.
Product: Debt collection

Company calls multiple times a day and occasionally repetitively. XX/XX/XXXX 7 times XX/XX/XXXX 4 times for the last month on average. Additionally calls from No Caller ID multiple times a day directly before or after using business number.
Product: Debt collection

Received a call from " XXXX XXXX '' licensed process server of " XXXX  ''. According to a quick internet search, XXXX XXXX   impersonates himself as a " licensed process server '' of XXXX   XXXX, AZ and XXXX XXXX, GA while having offices located in " New York ''. XXXX XXXX refused to send a debt validation letter via US Mail and instead tried to send one via e-mail, which was simply typed up in Microsoft Word. XXXX XXXX claimed that I would be sued immediately if I did not comply and could face arrest and garnishment of wages for a {$190.00} debt that was from three bad checks, which I did not personally write. I explained to XXXX XXXX that I was not the person who wrote the checks and he subsequently told me that Certegy and their clients would not lose the money on this debt, and whether I wrote them or not, since I was the account owner, I would need to pay for the debt or face a lawsuit and that I should seek legal avenues to get reimbursement for the individual who defrauded me - although that individual is a drug addict and is transient.

XXXX XXXX   would not disclose his company address. He called me in XXXX telling me that I would be served the next day if I did not comply and no one ever showed up to my address. Two months later on XX/XX/XXXX I received another call telling me that I would be served again unless I paid the debt and that he could not work with me and would provide no information to me.

Apparently XXXX XXXX of XXXX also goes by the name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an update from complaint # XXXX. 

The text of the complaint is : " On XX/XX/XXXX, I received a notice from my credit monitoring service that a change took place on my credit report. I reviewed my credit report and found a hard inquiry from Capital One. It was not applied for by me, and I had had 4 other instances of identity theft happen in the last year and I even had placed a credit alert on my credit record. I called Capital One that day and many times over the next week, and no one could find the account ( I'm guessing since they denied to open it ). Soon, I received a letter in the mail declining opening the account, a Capital One Justice credit card. I called that day and told them it was fraudulent, and asked that they relay that it was fraudulent. However, I never received a written confirmation that they would mark it as fraud and notify the credit bureaus. I noticed it was still on my account on XX/XX/XXXX, and contacted Capital One through XXXX, asking for a call. I explained the situation again, and asked for a letter confirming it would be marked as fraudulent and to have it removed from my credit report. It is still on my credit report as of today, and I have still received no written confirmation. I have recently applied to refinance my student loans and I am concerned this will impact the rate I receive. '' I received word from Capital One after submitting this dispute that they have contacted XXXX to remove it from my report. 

I do not believe this to be true, as it still appears on my XXXX credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationXXXX  Please delete the following accounts. 
VW CREDIT DATE OPENED : XX/XX/year> XXXX
Product: Mortgage

Bayview loans keeps calling and harassing me about being behind on a payment. I 've called them numerous times to try and fix this problem but no one can help me in the so called customer service area. I have gone to my bank and receive copies of my proof of payment starting back from XXXX and ended it in XXXX, I have fax them numerous times showing them that I never miss a payment. Every time I ask them a question over the phone they say put it in writing and fax it to us. Not one person I 've talk to was able to answer a question. Its like its choreograph. I called one time and got a person here in XXXX XXXX, when I found that out and ask her if she had a branch in XXXX she just laugh and said no. She works out of her house and supposedly all my information is there on her computer. I 'm not liking this. These people are no better than XXXX and have no desire to help you what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Dates XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNT : XXXX  - Account number - XXXX _____________________________________ INQURIES XXXX XXXX XXXX - Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is not responding to any of my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.
Product: Mortgage

My mortgage company has made a huge error on my escrow analysis on XX/XX/2020 resulting in an escrow shortage of over {$9000.00}, resulting in my monthly payments drastically changing from XXXX monthly to {$3200.00} monthly. I am a single mom with a child trying to provide for my daughter and I'm sorry but I didn't make the mistake of not applying the correct amounts into my escrow account so why my mortgage company is not willing to work with me makes me so confused. This incident is creating a financial hardship for me and I have never been late on a payment. I can't afford {$3000.00} monthly, is there anyway they can extend the escrow shortage because this is not my fault. Since then there has been over XXXX applied to escrow and they are still refusing to adjust the monthly analysis and recalculate to lower that monthly payment.
Product: Bank account or service

I added my sister onto my checking account because she was still in school, and I needed to send her money the easiest way. She ended up meeting some guy who told her about some way to make money on the side, all he needed was her debit card. He ended up depositing bad checks in the account at ATMs nowhere near where I lived, and the checks bounced after the withdrawals were made at ATMs nowhere near me, and the bank denied my dispute - placing me on XXXX. Now I can not bank anywhere for something I did not even do.
Product: Credit reporting or other personal consumer reports

My complaint is regarding how transunion reports my full name. 
My first name spells XXXX. 
Last name spells XXXX. 
I respectfully request that transunion deletes everything else That does not spell my name correctly
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was contacted by an UMB Bank representative the middle of XXXX XXXX and was shown a flyer expressing several cash incentives that would be given to me if several steps were taken when opening a new account.

All of the steps have been met on my side, but I have yet to receive a {$200.00} cash incentive for providing UMB bank a copy of my most recent CC statement. The CC statement was provided when I opened the account and UMB Bank has ackowledged receipt of the statement.

I have communicated several times with the representative and XXXX XXXX with UMB Bank in XXXX XXXX  and have been told repeatedly there is nothing they can to. I would like the {$200.00} incentive to be deposited into my checking account as outlined in their marketing materials and promised by the bank.
Product: Credit reporting or other personal consumer reports

Lexis Nexis has allowed XXXXXXXX XXXX  to access my information repeatedly for years. I am not only a victim of identity theft and have all of my credit reports frozen with a notice stated on them INCLUDING a Lexis Nexis freeze which they have failed to put on, but also I'm a victim of a violent crime and part of the Michigan Attorney General address protection program. Allowing companies like this to not only report false information but easily access my location or personal information could be a XXXX XXXX for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of family Identity Theft. A family member opened unauthorized accounts in my name. I've submitted the Identity Theft Affidavit and corresponding evidence to the bureaus three times since XX/XX/2020. XXXX  has blocked the accounts. Experian and XXXX  have not blocked the unauthorized accounts. I'm trying to fix this asap as it is severely affecting my credit score and I need to purchase a house. I do not want to have to file a lawsuit  because with the coronavirus too much is going on in my life right now. I just need this fixed. Please help.
Product: Mortgage

My mortgage was transferred to SLS from XXXX XXXX in XX/XX/2023 while I was in the middle of a loan deferent forbearance due to a FEMA declared natural disaster Hurricane Ian. SLS was supposed to honor the prior lenders agreement with me, but I am seeing that there is a derogatory rating from SLS on my credit report of 180 day late payments in XXXX & XX/XX/2023. I was told my multiple employees from SLS that no payment was required and that payments would not be reported as late or past due. The online payment portal wouldn't even allow a payment to be made. I have disputed the transactions with each of the 3 credit bureaus and have contacted SLS regarding the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/ 2017 I have been sending dispute letters every 30-40 days requesting a thorough investigation of erroneous and unknown items on my credit report. I asked that I be provided with legitimate verification as to how, by law, the disputed and negative inquiries and accounts arrived on my report. I asked that proof be shown with original contracts and my signature. 

I have sent each request certified mail. Each time I get a letter back with very little information and the bureau stating that it " re-investigated '' my dispute. However, the items remain on my report without verification being provided or explanation. The Bureau generically states " verified. '' Also, my inquires are not being responded to within 15 days. I also demanded, for that reason, that because they violated a consumer credit law, to immediately delete the disputed items. 

Also, during the time of disputes, the Bureau has inserted additional unverified accounts onto my report. 

I have explained that this whole process has been costly and stressful. The Bureau continues to disregard my requests.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I noticed I had a few negative accounts reporting to my consumer credit report that I did not recognize so I called XXXX, XXXX, and Equifax to have them removed. They all informed me that I needed to file a FTC report and mail it to them. I procrastinated for a few months and fast forward to XXXX I filed a FTC ID Theft reports for the accounts I did not recognize ; FTC Report Number XXXX. I called all Credit Reporting Agencies again after filing and they instructed me to mail the report to them, I emphasized that I did not feel comfortable mailing sensitive information especially with my information already being compromised yet they said nothing could be done over the phone.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the inconsistencies on my credit report that have not been resolved despite submitting dispute letters. 

I have identified several items on my credit report that are inaccurate and have submitted dispute letters to the three credit bureaus in order to have them corrected or removed. While some of the items were successfully deleted from certain credit bureaus, they have not been removed from all three.

The item ( s ) in question are shown in images below. Ive also attached a copy of the deletions form two of the credit bureaus.

According to the FCRA " Section 611 of the FCRA ( 15 U.S. Code 1681i ) addresses the procedures for disputing inaccuracies on your credit report. It states that if you believe that any information on your credit report is inaccurate, you have the right to notify the consumer reporting agency ( CRA ) in writing of the disputed information. The CRA must then investigate the dispute and, if necessary, correct or delete any inaccurate information within 30 days of receiving your dispute I am requesting that the CFRB investigate this matter further and ensure that all inaccuracies on my credit report are corrected. 

I appreciate your prompt attention to this matter and look forward to a resolution. 



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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX I have attempted to resolve this matter directly with XXXXXXXX XXXX  XXXX XXXX XXXX as Equifax on several occasions including these dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to no avail. This matter allegedly stems from a collections from XXXX from XXXX  XXXX, of {$100.00} dollars, which is not accurate, I do not owe any monies. I explained this to XXXX XXXX XXXX in XXXX, but they continued to harass me. 

I even asked XXXX XXXX XXXX for the original contract naming me for collections with XXXX XXXX, but they failed to provide that information to me as requested. 

After repeated threatening calls and letters stating they would disparaged my credit, I paid their ransom and their fee, which totaled {$150.00} dollars. I was promised that this payment would resolve any issues and would not be posted on any consumer credit reporting agencies. Now my credit report with the consumer credit agencies inaccurately reflects collections harming my ability for loans, and lease agreements. 

Before reaching out to the CFPB, I tried to resolve this matter with Equifax directly through their dispute resolution process ( XX/XX/XXXX, and XX/XX/XXXX ). On both occasions Equifax did nothing to resolve this serious matter impacting my credit. 

Also, before contacting the CFPB, I filed a complaint with the XXXX  all in an attempt to correct this situation in a professional matter, but to no avail. 

I did not have any collections due with XXXX  XXXX, I do not have a contract with XXXX XXXX XXXX, and I never received any contract validating what they purported was true and accurate. 

All that I am asking for is that my consumer credit report with Equifax, XXXX, and XXXX be cleared of anything related to XXXX XXXX XXXX. I have patiently waited for these agencies to do the right thing since XXXX of XXXX, which is plenty of time to correct the damage they created on my credit reports. 

Thank you for your time in reviewing my complaint, and I hope you understand that my remedy is reasonable especially considering all that I have done to correct a problem I had no connections with in the first place.