23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am trying to get a mortgage on a new property from Better.com. I was told that my mortgage was approved and that we were ready to go to closing when that step was necessary. A week later, I was told that there were other requirements for the approval of my loan, that my current mortgage needed to be paid off, the closing date needed to be moved or the mortgage contingency on the contract of sale of my current house needed to be removed from the contract. I complained that they had already approved my mortgage and that these late requirements made it almost impossible. I sent a complaint to their complaint department and to their CEO and they reiterated their demands. Then they told me that they were not going to use my current mortgage in my debt to income ratio but that I needed to get a distribution plan from XXXX, the company where I have my IRA- this is not possible, there is no such thing- it is a self directed IRA. 

I made plans to purchase the new house with cash and choose another mortgage company in the future and so removed funds from the IRA as a short-term loan using the once-yearly rollover ability for IRAs. 

This morning, XX/XX/2021, I was told that my mortgage was done and that I should wait for underwriting to send me the paperwork to review and approved so it can go to closing in time for the closing on XX/XX/2021. Just hours later, I am sent the same demands for contingency removal and distribution plan. 

1- Better wants proof that I, as a retiree, can prove that I will have solid income for the future when they do not require this of people with jobs.

2- Better has told me on two occasions that my mortgage was approved only later to tell me they had the same requirements, requirements which I was told were no longer required.

3 - Better waited until no more time was available for me to get another mortgage before they started adding requirements to what was already an approved mortgage. 

4- Better required that I reinvest my IRA into an annuity so they could have proof of income. I am not sure that Better has the legal status to be providing securities advice and hold that advice as a requirement in their mortgages. 

I am prepared to buy my new home on XX/XX/2021 with cash but will suffer when applying for a mortgage after the fact because of my rejection by Better and because it will be a cash-out refi on an already paid off home. If I can get a Better mortgage before XX/XX/2021, I will, as that would be the simple solution even though I prefer not to do business with them any further. 

My concern is that those without financial knowledge may be being coerced to do things for which Better has no right to require. 

I can provide an email trail, which will take some time to gather, to support the above.
Product: Mortgage

We took out a HELOC with E-Trade Bank several years ago. We were making monthly automatic payments from our Credit Union in XXXX for many years on that loan thru a loan servicing company hired by E-Trade Bank. The name of the Loan Servicer was XXXX XXXX XXXX. In XXXX 2015 XXXX XXXX XXXX was replaced by another loan servicing company hired by E-Trade. The replacement loan servicer is called XXXX. We made a monthly payment of {$1000.00} on the HELOC as usual to XXXX on XXXX XXXX, 2015, and we believe XXXX received this payment on XXXX XXXX, 2015. AFTER WE HAD ALREADY MADE THAT PAYMENT we received in the mail a notice from XXXX that all payments after XXXX XXXX, 2015, were supposed to go to XXXX rather than XXXX. Because we had not received adequate advance notice of this change, XXXX is now demanding the {$1000.00} payment we made on XXXX XXXX, 2015 to XXXX. We can not call XXXX at all as they refer all inquiries to XXXX, the new servicer. We wrote to XXXX on XXXX XXXX, 2015 demanding return of the {$1000.00} payment we sent to them on XXXX XXXX, 2015, so we can forward the XXXX 2015 payment to XXXX to bring their account current. XXXX stills says we have not made the XXXX 2015 payment to them because it went to XXXX. As of this date we have not gotten the refund from XXXX and we do not have an extra {$1000.00} laying around to sned a duplicate payment to XXXX while XXXX is illegally holding on to our {$1000.00} payment for XXXX 2015. We 've filed complaints with CFPB against both XXXX and XXXX. XXXX refuses to acknowledge they sent their notice of changed servicer RETROACTIVELY. CFPB wrote to us and said they do n't have enough info about XXXX. We already gave CFPB all the info we have about XXXX. This is the company E-Trade hired to service our HELOC. Since XXXX is probably bankrupt or being investigated for some federal fraud related to loan servicing and it seems XXXX swooped in to take this over for E-Trade ... NOW WE WANT TO FILE A COMPLAINT AGAINST E-TRADE BANK FOR NEGLIGENTLY HIRING THE DISHONEST AND CRIMINAL LOAN SERVICER CLC WHO WILL NOT RETURN OUR {$1000.00}!!! We never told E-Trade who to hire to service their loans. That 's E-Trade 's business. We 've been screwed and E-Trade must REFUND OUR {$1000.00} IMMEDIATELY so we can forward this payment to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies ( XXXX, Equifax, and XXXX ) have not been abiding by the FCRA. I would assume that since they are not a government agency and their services are not required by law, they would be more careful to not make such enormous mistakes. For one, they have been sharing my identification information to a number of corporations without my consent. No consent is identity theft which is a crime pursuant to 18 USC 1028A ( a ) ( 1 ). As well as 15 USC 1681q. It is also considered to be fraud. Pursuant to 15 USC 1681c ( a ) ( 4 ), a consumer report is not supposed to contain accounts placed for collection or any adverse item or information. Everything they have on the consumer reports are not verified information and were not disclosed to me before reporting this fraudulent information to my credit report causing harm to my reputation. They have no right to furnish any consumer report without my written instructions pursuant to 15 USC1681b ( a ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a time share. We hired someone to give it back to them due to the fact that we were lied to and stolen from. We were treated very rough when. We had a meeting with them and we wouldnt give them more money about buy more of the time share. This has been going on 6 years and it needs to be removed as this was closed and charged off in XXXX as you can see they only reported on XX/XX/XXXX no other times There are some many factual inaccuracies on here that they have violated the fcra all the way around. The dates are inconsistent the reporting is inconsistent the balance is inconsistent. It has been reported as almost therefore they have collected insurance on this and they are owed nothing from me. Please remove at once thanks
Product: Debt collection

for weeks, people claiming to work for Integrated Services have been calling me, my wife, my family, and my place of employment threatening to serve me papers at work and at home. I have repeatedly asked them to stop calling everyone and they are very unprofessional and rude. They have made my wife cry several times due to the harassment. They call from many different numbers and are not friendly. they also threaten to garnish my wages, sue me, and threaten that jail time will be considered. I have asked them to send me a post-dated bill to let me know that they are a real company collecting a real debt. they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to Experian and XXXX to remove inaccurate accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX  XXXX  XXXX XXXX Balance XXXX {$52.00} ; XXXX XXXX  XXXX  XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my Credit report. The items I need are listed in my report. I am a victim of identity theft. I ask that the items be deleted to correct my Credit report. 
I reported the theft on my identity to Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible. 

Company Reporting Fraud Information : TransUnion Fraud Account Name : XXXX XXXX XXXX XXXX Phone Number : XXXX Account : XXXX Balance : {$110.00} Open : XXXX Fraud Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Pa XXXX
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally request the immediate blocking and deletion of the accounts listed below from my credit report. I am a victim of a data breach, and these accounts were fraudulently added to my credit file without my authorization. Under my rights provided by 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be removed promptly. 
XXXX Accounts : XXXX XXXX XXXX XXXX XXXXXX/XX/2021 - {$00.00} XXXX - XXXX - XX/XX/2021 - {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Product: Debt collection

I have checked my credit and do not show any balances in this amount, and do not know of any accounts that are past due with this amount. I have no Idea of what this is.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number : XXXX Multiple inaccuracies between all the 3 credit reports On record until date inaccurate between all reports. 
Equifax inaccurate data for XXXX, XX/XX/2019. 
Inaccurate date of last payment, all 3 reports. 
XXXX  dispute and reinvestigated with no updates to reports Disputed with XXXX and Equifax with no updates to reports. Clear violations to accurate reporting practices by all 3 credit bureaus.
Product: Debt collection

Original debt was a loan from XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. 
The loan went into default and was sold to the collections company XXXX and XXXX with an open date of XXXX XXXX. 
The loan was sold at a unknown date and time, with no written notice, to Security Credit Services of XXXX, XXXX XXXX 
S.C.S. has changed the original open date to XXXX XXXX in violation of Fair Credit Reporting Act. 
I have not contacted S.C.S. out of concern they will restart the time and the negative impact would continue longer
Product: Debt collection

A man contacted my XXXX year old grandfather and stated he was looking for me and I had 1 hour to return his call or he would be at my house serving me with warrant papers and arrested due to a auto repo that had taken place almost 7 years earlier. i spent over 2 hours negotiating this old debt over the phone with what seamed a legit company for HSBC. I was assured this debt was settled after making a payment over the phone. It would be cleared from my credit as a closed paid off satisfied debt. This was thought to be resolved over a year ago. After all this the account is still showing open, incorrect dates and owing monies and negatively effecting my credit. I am in disbelief this is still unresolved and mortified these creditors can get away with such drastic threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX {$1900.00}. XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  # XXXX. {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  # XXXX {$430.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX  XXXX # XXXX {$360.00}. XX/XX/XXXX XXXX  XXXX # XXXX. {$94.00}. XX/XX/XXXX XXXX  XXXX # XXXX {$140.00}. XX/XX/XXXX XXXX XXXXXXXX # XXXX {$260.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$480.00}. XX/XX/XXXX XXXX  XXXX # XXXX {$59.00}. XX/XX/XXXX XXXX  XXXX # XXXX. {$450.00}. XX/XX/XXXX XXXX XXXX XXXX # XXXX. {$30000.00}. XX/XX/XXXX XXXX XXXX XXXX # XXXX. {$4200.00}. XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXXXXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$27000.00}, XXXX  XXXXXXXX Balance : {$300.00}, XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not supporting its credit freeze online application or its fraud alert service. I have tried for 2 days to access both. When I invoke the links from its website, the link takes me to blan k pages that say the application processes are " loading '' after 5 minutes at each page using 2 browsers : XXXX and XXXX, nothing happens. I 'm hoping you can do something quickly, since the data breach at XXXX has called into question the security of all my private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made Payments On the loan on XXXX and XX/XX/XXXX and XXXX XXXX reported it as late non payments which is false. XX/XX/XXXX XXXX XXXX Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). XXXX XXXX never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from XXXX XXXX to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. XXXX XXXX dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with XXXX XXXX. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by XXXX XXXX is adversely affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my relentless efforts to rectify the presence of fraudulent, inaccurate, and misleading information on my consumer report, the matter persists unresolved. The inclusion of these items has profoundly impacted my life, inflicting considerable stress and XXXX. It is imperative to emphasize that I neither authorized nor consented to the association of this information with my name, as I have unfortunately fallen victim to identity theft.
Product: Checking or savings account

XX/XX/XXXX {$1100.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$580.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$300.00} Wells Fargo said theyre looking into it and in 10 business days they should have my money back is what I was told by XXXX on the phone a representative he said Ill have my money back guaranteed.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. The 3 credit bureaus to validate these items. It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX  XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$6800.00}, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/2023. Inquire done for credit card, I already have a XXXX XXXX XXXX  account. This application on this date ( XX/XX/2023 ) was not done by me.
Product: Mortgage

I did a mortgage modification in 2010, and subsequently filed a Chapter XXXX Bankruptcy, and was released from the mortgage. I moved out of the home over a year ago, and instead of just staying in home for free, I put it on the market to sell as short sale. Ocwen has obstructed the sale of the home for a year. We are in the process of losing our XXXX buyer in a year. This last time we were ready to close, but they wo n't write a letter stating that the XXXX lien the have is discharged. They wrote a letter stating that they consider the balance of the loan to be XXXX, because of course it was discharged in bankruptcy, but they wo n't use the word discharge, so the buyer can get title insurance. In the meantime the house is falling apart, and all the neighbors are complaining home is not being maintained. I am in XXXX & the home is in XXXX. My Realtor has literally hundreds of hours working on this. They just will not cooperate. They tell us we have to speak to The Research Department, which only has a fax number. I am trying to do proper responsible thing, and they will not do anything but give me the run around.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have send in my regular monthly payment and found out 4 day 's later that the payment was not collected and I called the mortgage company and they told me that they have n't received it.They to chehed after 2 day 's and if not collected to put a stop to the check.I called the day after that and then I was told that it is delinquent and I need to pay the full amount and they want accept my regular payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX GA, XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Against Equifax Failure to Block Information in Violation of the Fair Credit Reporting Act ( FCRA ) and the Victims of XXXX  Act To Whom It May Concern, I am writing to file a formal complaint against Equifax regarding their failure to block information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Victims of XXXX  Act. Despite my repeated attempts to resolve this issue, Equifax has willfully neglected its obligations under these laws.

On XX/XX/2024, Equifax received my dispute via certified mail, as confirmed by USPS tracking, which indicated delivery at XXXX XXXX on that date. Furthermore, during a phone conversation on XX/XX/2024, Equifax representative XXXX, ID # XXXX, verified that my dispute letter had been received by Equifaxs back office team on XX/XX/2024. However, despite this confirmation, Equifax has yet to take the necessary action to block the information in question, as required under the FCRA and the Victims of XXXX  Act.

On XX/XX/2024, I contacted Equifax once again, at which point I spoke with Floor Supervisor XXXX, ID # XXXX. XXXX informed me that Equifax had no record of receiving my dispute, contradicting the previous confirmation provided by XXXX and the certified USPS tracking information. Furthermore, XXXX stated that Equifax had no record of the complaint I filed with the CFPB ( complaint ID XXXX ) on XX/XX/2024 
It is clear that Equifax is willfully stalling and failing to comply with the requirements set forth by the FCRA and the Victims of XXXX  Act. Under the FCRA, Equifax is obligated to block information on my credit report within four business days of receiving a valid request, particularly when submitted with documentation related to identity theft or human XXXX. Equifaxs failure to take action within 11 business days from the date of receipt is a clear violation of these legal protections. 
Equifax 's willful non-compliance subjects them to severe penalties, including but not limited to fines and civil liabilities under 15 U.S. Code 1681n. The failure to block or correct inaccurate information can result in fines of up to {$1000.00} per violation, in addition to potential punitive damages and attorneys fees. 
I urge the CFPB to take immediate action to investigate Equifax 's practices in this matter and to hold them accountable for their clear violations of federal law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 
Sincerely, XXXX XXXX
Product: Debt collection

ARS National Services somehow obtained my boyfriends name and private cell phone number in an attempt to contact me. I was not with my boyfriend at the time of holding the account ( XXXX ), nor was he ever at any point in time listed on the account. Clearly they used deceptive and unethical means to obtain this information. When I contacted them about it, they assured me that no personal information was shared, however they provided who they were and that they were calling about a private matter. By proxy, this is providing information that it is an attempt to collect a debt as they are a debt collection company.