23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern, Im filing a complaint against my mortgage servicer Cailber Home Loans (CHL ) due to multiple foreclosure violations that relate directly to the National Mortgage Settlement (  NMS ) which is the largest consumer financial protection settlement in US history. XXXX XXXX XXXX My loan is owned by XXXX ( XXXX ) and being serviced by CHL, which means automatically by default CHL, is obligated to follow the terms of the NMS of XX/XX/XXXX. 
Under the terms of the NMS, which involves CB, it is prohibited to move forward with foreclosure  while in possession of a full loan modification request package. On or about XX/XX/XXXX, a full request package including all applicable financials and other requirements was faxed to CHL, and confirmed that it was received by unknown agent of CHL, XX/XX/XXXX. As of XX/XX/XXXX, CHL advised me that a sale date was still pending and that it was too late to review me for modification assistance because my pending sale date is within 37 days of my request. This is untrue, because the documentation was submitted in time for a review however CHL, has not timely uploaded my documents and as a result my family and I are paying a steep price for the error or oversight of CHL. These violations of abuse also infringe against homeowners rights laws which govern the State of Indiana. We are also filing complaints with our attorney general XXXX XXXX and Indiana Department of Financial Institutes commission for lender fraud and loss mitigation abuse. National banks were required to regularly report compliance with the settlement to an independent,outside monitor that reports to state Attorneys General. Servicers had a duty to pay heavy penalties for non-compliance with the settlement, including missed deadlines. Furthermore per the CHL, has also failed to adhere to a settlement conference, which is a face-to-
face meeting with the lender to work out a foreclosure prevention agreement. ( Ind. Code 32-30-10.5 et seq. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, TransUnion put false, incorrect derogatory Chapter XXXX bankruptcy info about my XXXX/XXXX   account in my credit file, reporting it was closed, on a payment plan, no payment history, etc., which dropped my credit score way down, over 100 points. I have disputed and requested that they correct their OWN error 5 times and they refuse to correct any part of their falsely reported lies to this account. XXXX/XXXX  states my account with them is in good standing, has never been closed, was never in any Chapter XXXX bankruptcy payment plan, did not provide any derogatory remarks to TransUnion at all. My XX/XX/XXXX credit score with XXXX is XXXX, XXXX   is XXXX, and TransUnion is XXXX, so the irresponsible management of incorrect derogatory remarks are/were from within TransUnion 's own issuance, bec XXXX and XXXX have continued to receive correct in good standing status from XXXX/XXXX. I expect TransUnion to fix, correct, remove their damaging fraudulent totally untrue remarks. Bec they inflicted their errors and have refused to do the right thing to correct their wrongdoing, I won't be given the appropriate automobile insurance premium for the good credit scores of XXXX and XXXX, bec the auto insurance industry uses the criteria from TransUnion 's credit file to assess premiums, and bec of TransUnion 's lies and XXXX score, I will be penalized to pay a higher premium, through no fault of my own. It's not right to be punished for TransUnion 's irresponsible falsely recorded errors. It has caused me much anguish and more XXXX and unnecessary anxiety each time I dispute their untrue status of my XXXX/XXXX acct and they won't fix their wrongdoing. Why should I have to suffer and pay more for auto insurance due to their fault, not for anything I did to cause such a negative score?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$430.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$660.00} XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$250.00} XXXX  Date Opened XX/XX/XXXX Balance {$340.00} **Inquiries** XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  ( Auto ) XX/XX/XXXX GLS ( Finance ) XX/XX/XXXX DEPT OF ED ( Government ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Mortgage

We had locked in a mortgage with Better Mortgage Co to purchase our home. We had agreed to the following terms within our contract and had confirmed with our Loan Consultant ( XXXX XXXX ) and Loan Coordinator ( XXXX XXXX XXXX multiple times that each was complete and ready to go. 
- My Wife XXXX and I both on title - {$15000.00} in seller credits and concessions - Signing date of XX/XX/20 at XXXX CST Today on XX/XX/20 at our time of signing, we discovered that the Better team did not complete any of these items, which cancelled our signing date and will likely result in us not closing on time. They additionally did not add my wife to the title despite having all of the docs from the title company more than 2 weeks in advance, and did not handle the concessions/credits properly allocating only {$5000.00} into the contract. This has now forced us to either cancel the contract at a {$3000.00} loss in escrow and even more financial/emotional distress of relocating without a place to live, or to take over {$15000.00} in losses at closing. XXXX XXXX has not returned messages on over 6 phone calls and 3 separate emails, while we have email confirmations from XXXX XXXX stating the above terms were completed which was clearly not the case. 

Upon bringing this up to the customer service team and attempting to get in touch with the above individuals, we have been disconnected by the agents 3 times, placed on a 35 minute hold ( which was disconnected ) and given the run around.
Product: Debt collection

After pulling my credit report, I noticed a collections item for a utility bill with XXXX XXXX XXXX being " collected '' by Online Information Services ( XXXX XXXX XXXX XXXX, NC XXXX ) since XX/XX/XXXX. I have never received from the original company nor Online Information Services ANY notification of a debt. No call, nothing written. I would have never known had I not pulled my credit report wondering why it was lower than I thought it should be. My understanding is that I need to be contacted with notification of debt collection activity within 5 days of initial contact ( FCRA 809 ( a ) ) which the FTC in numerous advisory opinions and in established case law has deemed reporting to credit bureaus as constituting initial contact. It is an unreasonable assumption that a person would be constantly pulling their full credit report and without notifying me of debt collection they have been harming me financially for almost a year. I am willing to continue to pursue this violation as this has adversely affected my ability to secure an apartment to rent. By not contacting me at all about a debt they have been reporting for 11 months, this company seems more motivated by financially harming consumers as opposed to actually resolving debts. It took me requesting validation inXX/XX/XXXX and finally receiving a response letter dated XX/XX/XXXX to have any information other than what is reported on my full credit report.
Product: Mortgage

My husband and I have recently gotten out of forbearance and are trying to settle our partial claim with the mortgage company. The documents they have requested we sign and have notarized have incomplete numbers on them. They have listed interest, principal, and taxes and insurance. The interest and principal have listed balances, but the taxes/insurance are left blank. The balance does not add up and my husband and I do not feel comfortable signing the paper work without seeing an itemized balance. We paid escrow while on forbearance and we would like to be able to see all of the amounts we owe and what we have already paid in the past year and a half we have been trying to deal with this. The mortgage company has no contact with the third company that has to deal directly with the customer. When calling the third party answering service, they have no one to help us and can not assist us with this. This is the second time I am having to make a complaint with this company and will now be making a complaint with the XXXX  XXXX  XXXX. We feel that the mortgage company has failed in properly assisting their customers and we would like our mortgage to be sold at this point so that we no longer have to deal with them. I don't feel like this is an honest company and they should not be handling people 's mortgage.
Product: Debt collection

Caine & Weiner at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX has been sending me collection notices in the amount of {$1100.00}. The collection has been reported as past due balance. i do not know this company. I have never done any business with this company. this company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an error for an account that I had with XXXX XXXX credit card with XXXX, XXXX   & transunion. I have provided a copy of the check that I paid the account in full to both the credit bureau agencies as well as XXXX directly several times and yet this account is still being reported as late and not paid. Legally they are obligated to correctly report the right information and they refuse to.
Product: Debt collection

The XXXX is using deceptive practices in an attempt to benefit from an increase in late fees due to a system limitation and/or flawed process. I had a negative balance in my toll tag account which I do not dispute. As such, I received invoices and subsequently deposited {$100.00} in my toll tag account. The {$100.00} would have covered several invoice balances and would have eliminated the accural of additional late charges. XXXX did not credit the surplus funds to my outstanding balances and as such continued to collect late charges. They sent XXXX invoices to " collections '' while they were sitting on {$100.00} in the toll tag account. They told me they were not able to waive the excessive late fees because the system did not work that way and would not automatically transfer the funds. You have to call to do that and that is not disclosed anywhere. As such, they continued to collect late charges based on an aging criteria. 1. XXXX needs to fix their system so if there is a balance added to the toll tag account it will be automatically applied to any outstanding bills. 2. They should also be able to be applied to balances in collections and waive those late fees if it their was a balance in the toll tag account as their " collections '' department is in house and owned by the XXXX. My total late charges paid were 56 % times the amount of my original toll. Unpaid balances should be paid by surplus toll tag account on a XXXX basis. Banks are cited for these sort of practices, so why should n't the government be held to the same standard? Example : Toll charge 1= XXXX Toll Charge 2= {$26.00} Total for that invoice is {$88.00}. Late Charges are {$70.00}. A total amount of {$150.00} was sent to ( in-house XXXX ) collections. Collections attempted to collect on {$150.00} while I had {$100.00} surplus balance in my toll tag account. In addition, there were newer oustanding invoice balances that continued to accrue late charges as that surplus balance remained in tact.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I have attempted to access my claim status on the company website and receive a " Try again later '' message after correctly answering the security questions. I called and requested a paper copy of the results of my dispute and have not received any information in the mail. The company continues to send me emails but I can not access the dispute results or my credit file via their website. This has been an ongoing issue with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX  : {$1000.00} XXXX XXXX  : {$600.00} XXXX XXXX XXXX : {$650.00} XXXX XXXXXXXX XXXX : {$830.00} XXXX XXXX XXXX XXXX {$1900.00} Comenity Bank : {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.
Product: Credit card

So i used this company to buy a tv which is a buynow pay later app. It was great then i lost my job and had fallen behind in payments but i remained in contact with them and paid it off when i had been able to get employed again. I have been since then been told I would no longer be allowed to use their services due to the past delinquencies on my account so I finally gave up and was shocked because I paid them off still and i really liked the services. Well on XX/XX/2024 i get an email from this said company saying that my spending limit was increased to {$950.00} and to come use their services and listed items saying our top picks for you. So i went to go log back into my account which has been deactivated due to non use by the company so i ask for them to reactive my account which they did and then i update my information and shop and goto use my credit limit given to me by the company and it gets denied. Says to try again so i change my items again and it goes denied. So i then message them and ask whats going on and they told me the same thing as before that the approval department informed them that I no longer will be allowed to use their services due to past delinquencies with my account. So then i ask well then why did you guys send me an email saying my spending limit was increased in the first place if you were just going to deny me? That seems very unfair. And they never answer me back. So they are giving me credits to use that i can not use for reasons that make no sense to me because i have no delinquencies with them at all and i paid them off in full for the past item i had gotten from them.
Product: Debt collection

XX/XX/XXXX, I went to XXXX in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) for my chipped teeth. It was the only XXXX I was able to find open ( Sunday ) and I had XXXX done for which I paid for up front the same day for the amount of {$1000.00}. The dentist quoted me around {$3000.00} for me to come back and have the actual full procedures completed for my teeth and I decided not to because I was going to have it done in XXXX where I have insurance. 
Recently, after 2 years from my visit to XXXX, I receive a call from their office stating that I owe them the {$3000.00} for the procedure which I never received from them. I asked them to provide evidence/any documentation to prove this and they never did. They stopped calling. I recently found out that they placed me in collections XX/XX/XXXX, but contacted me in XX/XX/XXXX for the first time asking that I still owe them. From reading reviews, this seemed to have happened before to other patients as well. I do not know how this place is still in operation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Please correct the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 express my deep dissatisfaction and frustration regarding the several unsuccessful attempts to remove a charge-off from my credit report. Despite persistent efforts, the charge-off remains, adversely affecting my credit standing and financial opportunities. 

I discovered a charge-off entry on my credit report, and since then, I have diligently followed the necessary procedures for disputing and seeking the removal of this negative information. Despite my multiple attempts, the charge-off persists, causing undue hardship and impeding my financial opportunities. 

I wish to bring the following issues to your attention : Inadequate Resolution Attempts : Despite multiple requests and disputes, it appears that the attempts to rectify and remove the charge-off entry from my credit report have been unsuccessful. The lack of progress is disheartening, and I am left with a negative mark on my credit history. 

Communication Breakdowns : Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the dispute and the actions being taken would have provided reassurance during this challenging period. 

Continued Adverse Impact : The presence of the charge-off on my credit report has adversely affected my creditworthiness, making it difficult for me to secure favorable terms for financial products and services. This has resulted in financial strain and limited opportunities for improvement. 

I understand that addressing charge-off entries on credit reports is a complex matter, but as a concerned consumer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the charge-off entry from my credit report. Additionally, I seek clear assurances and a detailed plan outlining how your credit bureau intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to explore alternative avenues, including reporting this matter to relevant regulatory bodies and consumer protection agencies. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX XXXX  Balance : {$2600.00} ; XXXX XXXX XXXX  Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$44.00}.
Product: Debt collection

XXXX, XXXX XXXX SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, COCOA, FL XXXX XXXX Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( XXXX ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( XXXX XXXX Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
XXXX XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RADIUS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, COCOA, FL XXXX