23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Today XX/XX/2023, I received a random text message saying welcome to XXXX Mortgage as of XX/XX/XXXX we will be the new mortgage service provider for your account which was held with Rocket Mortgage. It is my understanding that I am to receive a 15 day notice from the new mortgage servicing company and a 15 day notice from my current mortgage servicing company regarding the sale of my mortgage. I have received nothing from either company and supposedly the transfer takes place tomorrow. I have no information on new account numbers, how to access mortgage information, how to pay mortgage, status of escrow account et cetera. I do not know if the text message is a scam as I have received nothing official.
Product: Mortgage

HomePoint Financials sold my mortgage to MrCooperXXXX in XXXX and I have no access to view my account information on-line. They do not answer their phone and will not email me back. I am completely logout of my mortgage account. I don't even know my new mortgage account number either. 

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

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

Initiated a mortgage application on XXXX XXXX, 2016 With Bank of America. 
Learned there was a problem on XXXX XXXX. 
Was verbally denied on XXXX XXXX. 
Selling realtor complained and asked that my case be escalated on XXXX XXXX. I agreed. Told I would not be charged for the appraisal. 
XXXX XXXX was told by a manager that my case would be reviewed and I would have an answer by COB XXXX XXXX or morning of XXXX XXXX. No answer either day. On XX/XX/XXXX, I asked if my mortgage had been accepted or denied. Again, verbally denied, but nothing in writing. This has precluded me from pursuing a superior lender. Horrible experience that wasted my time. I should have been denied up front, not weeks into the process.
Product: Debt collection

I was alerted by XXXX, XXXX, and XXXX that the collection agency by the name of XXXX XXXX XXXX added two collection files to my credit reports. I am disputing this that it is fraudulent due to the fact I have never signed a contract nor do I have an account with this said company. NO SIGNED CONTRACT with XXXX. Never received anything from this company.
Product: Credit reporting

After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, XXXX XXXX XXXX, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now XXXX XXXX XXXX ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale. 

RespectfullyXXXX XXXX XXXX XXXX
Product: Checking or savings account

Was scammed and wells fargo would not recover my money saying that it is " out of their control. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/XXXX regarding multiple inquiries on my see it report that I have no knowledge of authorizing. Prior to calling Equifax, I attempted to call all businesses listed in the inquires with no information available on inquiries or accounts. I asked Equifax to start an investigation on the inquiries I did not authorize, and to delete them from my credit report, due to them being fraudulent inquiries. Equifax denied helping me with this process and said they can not do that. 

Inquiries : XXXX XXXX-XXXX:XX/XX/XXXX XXXX/XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX/XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX/XXXX:XX/XX/XXXX XXXX XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX/XXXX:XX/XX/XXXX XXXX.XXXX.XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Credit reporting or other personal consumer reports

By nature of the inquiry ( s ) listed on my profile, the inquiring company is stating ( under FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) ) that I initiated a transaction with them. I, the consumer, am stating that I did not initiate a transaction with the company named. So which of us is right? I would suggest that I would know best whether I initiated a transaction with the company named. Additionally I would like to bring your attention to the Consumer Finance Protection Bureau ( CFPB ) XX/XX/XXXX Advisory Opinion 12 CFR Part 1022. The advisory opinion stated that " A consumer reporting agency 's policies and procedures should also identify logical inconsistencies in consumer information ''. I would submit that if I did in fact initiate a transaction with this company, then where is the resulting tradeline on my credit file? Since there is no resulting tradeline, it supports my position that I DID NOT initiate a transaction with them. With this logic, I am petitioning that you discard the inquiry as it is FACIALLY FALSE DATA which you have a obligation to fix. 

This is my third attempt to remedy this situation. The following inquiries should be removed immediately. I have been asking for this to be corrected since my first letter on XX/XX/XXXX. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Please also remove the OLD addresses on my file. My current address, which I have sent MANY times to you and proof that I live there is not working apparently. My address is only XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

Please remove the addresses in XXXX, XXXX Mail is not deliverable there.
Product: Credit reporting or other personal consumer reports

I have sent signed and notarized identity theft affidavits MULTIPLE times to Midland Credit Management. I've tried sending them all together in XXXX package referencing the different accounts and I have mailed disputes and a signed, notarized identity theft affidavit for each account in separate envelopes. The company continues to send the same cookie cutter response letter that even acknowledges that they have received the identity theft affidavit. But states that the company has concluded the information is accurate with no details on what was investigated and no proof of same. The letter continues by stating the NEXT STEPS in order for the company to investigate further is that I need to provide a copy of a police report, a notarized fraud affidavit, a completed XXXX XXXX XXXX fraud affidavit, a court order relating to elder or dependent adult abuse, or a sworn written certification from a qualified third-party professional such as a court-appointed attorney, court-appointed advocate, or board-certified psychiatrist or psychologist. The verbiage in the list of documents states XXXX which indicates any in the list are acceptable. Even though this letter previously acknowledges that they have already received my signed, notarized fraud affidavit- which is the Federal Trade Commission version. Just to further prove the company does not pay attention to correspondence received and just spits out the SAME letter, I received XXXX of their letters dated XX/XX/XXXX indicating they RECEIVED my identity theft affidavit and the NEXT STEP was to SEND AN IDENTITY THEFT AFFIDAVIT to them, so I complied yet again with their request and sent another signed, notarized Federal Trade Commission affidavit to the company with a copy of their XX/XX/XXXX response letter and what would you know, I received the same exact response letter with an updated date of XX/XX/XXXX. Same circle, round and round, chasing my tail and no results. In addition, the company is outside of fair debt reporting practices by reporting these accounts on my credit report under Midland Credit and yet they are also showing up on my credit report under the original creditors as well, so it's being double reported. I have been dealing with them for years and have gotten nowhere and none this is adversely affecting my life as I'm a first time expectant mother and due in a few months and am being told that because of these debts I will not be able to obtain a suitable residence for my growing family and will have to remain in a XXXX bedroom apartment, XXXX adults, a baby in a crib and XXXX large dogs. They have had this for XXXX yrs and the XXXX of Limitations of XXXX yrs is mid XXXX before it will fall off my credit unless they take action and investigate my identity theft affidavit and correctly remove it from my credit report.
Product: Mortgage

This is the XXXX complaint I have filed on this matter, since nothing at all, was addressed with the XXXX complaint. CITI Financial is incorrectly stating that a borrower is past due. The account was brought current in XXXX 2016 with funds of {$1200.00}, and CITI acknowledged that this brought the account current and due for XXXX 2016 in their response to my previous complaint. The client has made every single payment since that date, with confirmation numbers and bank statements to prove it. Yet, the borrowers are receiving SEVERAL mailed documents stating that they are delinquent for {$930.00}! When the borrower or I try to call to discuss this, the representative will not discuss it, and will only send a complicated payment history ledger that is very hard to navigate through. This makes absolutely no sense whatsoever! They also state that the borrowers are delinquent {$170.00} for remaining past due insurance balance, yet the borrowers just received a check dated XXXX/XXXX/2016 for a refund of insurance. I am baffled at the poor customer service and incorrect servicing practices within CITI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted XXXX XXXX, XXXX, XXXX AND EXPERIAN, regarding this erroneous and fraudulent Bankruptcy that they continue to report on my credit file. I have sent in evidence that this bankruptcy - case # XXXX does not belong to me. Can your company please help me resolve this matter ASAP. Thanks.
Product: Credit reporting or other personal consumer reports

In accordance with the FDCPA, I expect to receive this information within 30 days of your receipt of this letter. During this period, and until the debt has been validated, you are not permitted to engage in any collection activities.
Product: Credit card or prepaid card

My husband, an authorized user on my Costco Citi Visa card, was unable to use his card when he went to Costco. I logged on to the Citi online portal to see what was going on, and I noticed that I had missed a payment. I rely on US mail statements for record keeping and accounting purposes and as prompts to pay my bills. When I went through my old paper statements, I realized that I had not received a statement from them in 3 months! When I called Citi, they stated that I had opted in to receive electronic statements because I registered for online access. When I looked at my online portal with Citi, it stated that I was receiving statements by US mail. I know that I did not opt-in to receive electronic statements. The representative that I worked with over the phone, XXXX, thankfully claimed to waive interest and fees if I made a payment on my account over the phone. He did not investigate why I was only receiving electronic statements and not US mail paper statements even though my online portal states that I am receiving US mail statements. He also would not answer questions about when Citi reports late payments to credit bureaus. He said that he could not provide that information because he is not a licensed credit agent.
Product: Credit reporting or other personal consumer reports

I was notified of a hard inquiry on my TransUnion credit report by a company called XXXX XXXXXXXX XXXX XXXXXX/XX/2024. I have never heard of this company and have not applied for credit of any type in the recent past. 

I was part of the XXXX XXXX XXXX XXXXXXXX breach and this appears to be a scam. When calling XXXXXXXX XXXX XXXXXX/XX/2024, at XXXXXXXX XXXX, the first piece of information requested by the XXXX was my social security number. Not account number, the first piece of information they attempt to collect is your social security number. I typed in all XXXX 's and then typed in all XXXX 's when asked for the last XXXX of my account number. 

My husband works in XXXX  and says this sounds like a fraud funnel. 

I will work with the credit reporting agencies to have this inquiry removed as it was unauthorized and I am thankful that I already have reporting that lets me know when these things happen.
Product: Money transfer, virtual currency, or money service

i send with protection XXXX all XXXX with my address and never received the goods and they are saying they didnt received the payments the address in the order is correct that they can verify all tracking numbers are showing bad address and they are not doing nothing they just decided to close the account XXXX dollars Transaction ID XXXX XXXX dollars Transaction ID XXXX XXXX dollars Transaction ID XXXX XXXX dollars Transaction ID XXXX as you can see the tracking they provided and the address i send are totally different and they are saying they dont have the money.
Product: Mortgage

I closed on the sale of my house in XXXX XXXX, MO on XXXX XXXX, XXXX. The property was encumbered by mortgage held by Nationstar Mortgage dba Mr. Cooper. 

The payoff demanded was inclusive of interest through the end of XXXX which I questioned with settlement agent as mortgage is NOT a government loan. 

I have yet to receive from Nationstar/Mr. Cooper the  interest overage included in the payoff and seek to confirm this is acceptable practice given my payoff is shown as received as of XXXX XXXX and mortgagee has retained approximately 22 days of interest UNNECESSARILY. This is ROBBERY, unethical business practice by Nationstar. 

My inquiries to mortgagee via their website has resulted in their reply stating they need one week to research ....???? 

What is my recourse? Is Nationstar within acceptable standard to require this overage and withhold these monies for this long?
Product: Credit reporting or other personal consumer reports

Fraudulent inquiry from XXXX XXXX XXXX, XX/XX/XXXX & XX/XX/XXXX I was a victim of identity theft someone got a student loan in my name. Its showing on my XXXX. Ive contacted all the credit bureau plus XXXX XXXX. They have not given me any proof or removed it .Can someone handle this matter in a timely manner, Im actually trying to purchase a mortgage. Im also filing a complaint on XXXX XXXX, XX/XX/XXXX a late payment was placed on my account due to their system error, my balance was paid in full, but the credit companies need to update their systems. I am a victim of identity theft XXXX and XXXX during XXXX  Also, my cards were hacked. I had to pay money back
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. TransUnion must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX* Balance : {$310.00}
Product: Credit reporting

TransUnion has dropped my credit score some XXXX points. I feel TransUnion should Be investigated for Racist and Discriminatory Practices because if I were A XXXX male my score would be higher. I would like to know how they Come up with a Credit Score. All my accounts are paid on time and yet I have a XXXX Credit Score. I do n't see how they come up with such a low Score unless they give XXXX XXXX Males low Scores. 

Again I want an investigation into their Practices of Discrimination. 

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

This is the 3 time I have have to address this issue on I have had a few issue with account that I do not recognize on my credit report.ITS HAS BEEN PAST 30 DAY AND I WOULD LIKE THE ITEMS LISTED BELOW TO BE REMOVED ASAP. I am refinancing my home when I found the following accounts : XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX # XXXX**** XXXX  # XXXX**** I  have requested a re investigation to dispute the unknown accounts I need a copy of my credit report for my own personal review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to log into my Equifax account to lift a credit freeze. I've been trying to login to my account for four days, and each attempt ends with their system telling me my account is locked.

I've called Equifax three times this week, and have gone through three of the exact same steps to reset my password only to find out that my account is still locked.

Earlier this week I was told the system was having problems, and to wait 24 hours multiple times, but after waiting 24 hours my login credentials still did not work. Upon my last attempt to login, I was told the system has been having problems with accounts for over two weeks. No one I spoke with could unlock my account. They told me they had to transfer me to a department who didn't take calls to get my account unlocked.
Product: Credit card

Terms and conditions of XXXX XXXX XXXX XXXX is not being actually made available to Consumers supposed to be {$1000.00} a day actauuly like XXXX a day and three days ive attempted to access XXXX XXXX but function is blocked and not able to acess also Chime has Automatic savings terms and condition and it states that chime will put {$240000.00} in a savings account at there program bank and if you do not agree to terms and Conditions to call us and tell us you dont agree with terms and you may request refund so i did just that and customer service acted like they had no idea about what i was saying. Asked for refund but they had no idea what i was talking about but didnt bother reading their own agreements dont you guys have copies of those terms
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a cosumer reporting agency can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review previous closed complaint regarding Experian. I never received any pin number in the Mail. Experian failed to protect me from being a victim of fraud. In fact Experian aided and abetted the person who has used my information to obtain credit using my information. Experian supposedly sent me a pin to my home address. Where is it??????????? Also they said I did not enclose my social when their website told me not to include my social when writing to them.
Product: Checking or savings account

I filed a dispute with my current bank card privided by XXXX XXXX XXXX on XX/XX/2022 for an unauthorized charge of {$960.00}. I was told that i would have a resolution by XX/XX/2022 witch would be the 90 days it usually takes to have a resolution. I have been contacting them to get an update on my dispute since it has been 93 days now on XX/XX/2022 and still have t received any communication from them.