23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On multiple different occasions, Round Point Mortgage has been unable to handle my escrow account accordingly. First, once they obtained the loan, I was charged the same amount of money for city taxes as I was for my county taxes causing an additional $ XXXX yearly addition. After providing documentation multiple times over a matter of three months, it was finally rectified. During those three months, all of my emails and secured messages went unanswered. It took upward of ten calls to finally have someone look at it and give me a guarantee that it would be adjusted. Now, I have submitted new tax documentation from the county and the Veteran 's Affair 's Office showing that I am a XXXX veteran. My initial contact was at the end of XX/XX/XXXX and did not receive a response for ten days. Following that, I responded with the same said documents via email. I never heard anything back which prompted me to call them mid-XX/XX/XXXX. After speaking to a representative, he assured me my escrow analysis was be performed by XX/XX/2017. In addition to that, he made sure all of my documents were in order. XX/XX/XXXX comes and goes and there was still no update to my escrow payment nor an escrow analysis performed. I called in again since they never responded to my emails nor my secure messages through their website. I was told the documents I sent in were a blank check and a homestead exemption form. I sent neither of those documents in. Plus, the blank check was for a bank that I am not a member of. I, again, emailed the same documents to the email address provided. There has not been any sort of contact attempts to me to let me know that I either sent in right or wrong documents. My escrow account still has not had an analysis performed, but I was told it would be taken care of by XX/XX/2017.
Product: Mortgage

I had applied for a mortgage modification with Select Portfolio Servicing on XX/XX/2019. At the same time I was seeking information from two different banks as to whether I may be able to qualify for a refinance on my loan. There were some things i needed to pay off on my part to boost my credit rating in order to qualify and this took a couple of months. I stayed in touch with Select Portfolio to let them know what I was doing so as not to let them think I didn't want the modification. I needed that to stand in case the bank loans didn't work out. 
During the time I had forgotten to send my hardship letter as part of the mod request. I had until XX/XX/XXXX to get it to them. In a phone call to many Select Portfolio reps I was told that they would extend the time for me to get the hardship letter in since I wanted to see if the Bank loans would work out first. One representative even told me that they actually had one on file from a previous request and that they could use that. 
Eventually it was taking me more time to get my credit score where I needed it to be before the Banks I was seeking a refinance with would consider doing it. So I got my hardship letter prepared to send to Select Portfolio. I called and spoke to a representative on XX/XX/XXXX to get information on where I should send my hardship letter and was told that the modification was cancelled due to the hardship letter not getting there on time. I had previously spoken to a rep about it that XXXX XX/XX/XXXX who told it would be fine if I got it in on Monday. No warning that the modification request would be cancelled by then. I was misinformed by multiple representatives and i find that unacceptable. 
I am still trying to work with 2 banks to refinance but have a foreclosure date two weeks away on XXXX XXXX. 
I have disputed this decision by select portfolio directly with there Ombudsman Dept. and have gotten back no response from them and with a foreclosure date set in two weeks. I believe this foreclosure date should be postponed and I should be aloud to reapply for a Modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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.
Product: Credit reporting or other personal consumer reports

I am disputing multiple joint accounts from XXXX XXXX XXXX XXXX  that appear inaccurately on my credit report. These closed accounts report negatively, with statuses such as CollectionOrChargeOff, although they are documented as paid in full for less than the full balance. The reported information is inconsistent and incorrect, failing to comply with FCRA ( 15 U.S.C. 1681i ) and Metro 2 standards across Experian, XXXX, and XXXX. 

Key issues : - Incorrect Account Status and Responsibility : Although these accounts are joint, I should not bear responsibility for the delinquent status, and XXXX has not provided proof of my individual liability. 

- Inaccurate Reporting of Dates : Date Opened, Date of Last Activity, and Date Reported are inconsistent across the credit bureaus and reflect errors in reporting standards. 

- Non-Compliance with Metro 2 Standards : Reported fields, such as Account Status, Loan Type, and Balance Owed, fail to meet accuracy requirements, impacting my credit profile unjustly. 

I request a thorough investigation, the removal of these accounts from my credit report if they can not be verified accurately, and a formal response with corrected or deleted items.
Product: Credit card or prepaid card

I, XXXX : XXXX, am a federally protected consumer submitting this complaint against Comenity Capital Bank without any influence from any third party or agency. I advise you to see the attached documentation as it contains my full complaint and requests/demands. On XX/XX/2022 ( Exhibit A ) Comenity Capital Bank discriminated against me for exercising my right to extend credit ( credit is a right granted, not a privilege to ask for ) which is a violation of Federal Law. I gave something of value ( access to my consumer credit ), and now Comenity Capital Bank needs to give me something of value in return. Since I have received no benefit, that calls for an unauthorized use of my credit card ( SSN ) and is proof of fraudulent activity. If Comenity Capital Bank believes otherwise, then Comenity Capital Bank should provide the Federal Law that opposes what I am stating. Upon the receipt of the documentation herein and of this notice, you are hereby notified pursuant to UCC 1-202f. Your prompt attention and response is required.
Product: Debt collection

On XX/XX/XXXX, I was notified that my job was closing in XXXX, I'd have to relocate to XXXX  or lose my job ; I chose to relocate & immediately gave a 30 day notice to the Apartment Management. At this time I was current on my rent, I paid XXXX ( even though I moved out XX/XX/XXXX ) & expected to be billed for XXXX through XX/XX/XXXX ( the full 60 days that they required ). I also anticipated the XXXX cancel fee for breaking my lease early ; at which time, my employer was willing to pay they just needed the final statement ; THAT I'D NEVER SEE. I logged in to the online portal & saw that they billed me a full month, late fees, etc = XXXX. I immediately called. The first girl XXXX, stated that she didn't even know that I moved. I told her I wrote an email, brought a physical copy with that & the exit paper from my employer. Plus, on XX/XX/XXXX, XXXX the XXXX  working in the office came & wished me luck. We did the walk through & everything looked good ; he told me that I wouldn't receive any damage-charges, but that they will keep the deposits for the apartment and the pet ; he didn't know if the pet deposit would go towards rent or the XXXX. Attached are the pictures, one picture you can see him in the doorway holding the for my daughter pulling a rolling basket of last minute items. Then she said that they found the notice but that XXXX the office manager stated that I'd continue to be charged the rent until I paid the XXXX. No, this is not true, I consulted an attorney & he stated that I should have received the final bill for the XXXX & possibly rent. I inquired on this until XX/XX/XXXX, it never got taken care of & the bill just continued to grow. XXXX, I received a collection call from a man who was horrible. He stated that I trashed the place, it was my responsibility to pay & that I was breaking the law by not doing so. I told him I hired a cleaning service, took pictures & did a final walk through - he continued to be very threatening. I spoke to his manager, advised her of that conversation, offered to send the pictures & even that all I wanted was the final bill. But that this better not report to my credit. And I'd be happy to see them in court. I recalled the attorney : XXXX XXXX he reached out to the collection agency via letter direct. When I called back to that agency spoke to XXXX XX/XX/XXXX ; she stated that they did get the cease & desist, forwarded the dispute to the property at that time was XXXX & were waiting for a response. I never heard anything back. But I pulled the XXXX & see that its there & even though they lowered it from the XXXX that it was up to online, it was still incorrect. I have attached the pictures & one of the time stamps from that same day ( can provide the rest if need ). And now the option for the employer to pay has passed/expired. This was a scam from the beginning & the office was lazy in their handlings of the matter, it is their fault, not mine that this wasn't correct YEARS ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting a balance due on the XXXX XXXX partial account numbers XXXX and XXXX. This account is over 7 years old. This is a violation of the Fair Credit Reporting Act and this incorrect reporting is hurting my credit score.
Product: Credit reporting or other personal consumer reports

was involved in a data breech and my score was compromised and I was denied a home loan
Product: Debt collection

I called Midland Fund to find out what the debt is for and they have no record of the account for which I was calling about. I do n't show up in there system.
Product: Mortgage

Bank of America refused to connect me with one of their loan officer 's to explain what our options are regarding our mortgage. A refinance at a significantly lower interest rate in today 's completive market. I have been paying for 24 years on our house and it is still not paid for
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the 3 Credit bureaus for 5 years that a auto loan appearing on my credit report is not my information and it is also inaccurate reporting. 
XXXX credit bureau is also now reporting a inaccurate bankruptcy on my credit report that is not mines also it is not even appearing on my other 2 bureaus The 3 credit bureaus are refusing to delete these inaccurate items and they are also refusing to send me written verification that these accounts belong to me and I have requested it in writing for years The credit bureaus are damaging my reputation and also preventing me from buying a home for my kids because they are reporting innacurate fraudulent information I want them to delete these negative items immediately so that I can properly take care of my kids They refuse to take the items off
Product: Payday loan, title loan, or personal loan

The balance on my car loan was financed. The balance was about {$5000.00}. I had been making auto payments of {$160.00} to pay off the balance. But in a review of my balance online, the balance is showing over {$8000.00}. This is illegal.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Mortgage account number XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my personal information exposed in several data breaches including the XXXX data breach, the XXXX data breach and the XXXX XXXX  data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7600.00} XXXX/XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$130.00} ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX, TX XXXX
Product: Credit reporting, credit repair services, 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 Account number XXXX has violated my rights. 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 an 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

To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my self secure credit card through lead bank is reporting inaccurately. You have a balance of ( {$99.00} ) of being owed and according to my records that amount is inaccurate.

This account should be listed as ( paid in full ). These accounts appear to be furnished by the same creditor so why is all the provided data different. 
I have attached a copy of ( my credit card statement that proves your balance is in correct ). 

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

For the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692C section 5 : states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 


I AM SHOWING 5 INQUIRIES I DID NOT APPROVE, MY ACCOUNT IS SUPPOSE TO BE FROZEN TO AVOID FRAUD, HOW IS THIS STILL EVEN CATCHING INQUIRIES? 

HARD INQUIRY NAME - XXXX DATE XXXX HARD INQUIRY NAME - XXXX DATE - XX/XX/2022 HARD INQUIRY NAME - XXXX XXXX XXXXXXXX DATE - XX/XX/2022 HARD INQUIRY NAME - XXXX XXXX XXXXXXXX DATE XXXX HARD INQUIRY NAME - XXXX XXXX XXXX DATE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 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
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 XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-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 Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX {$440.00}, XXXX {$380.00}, XXXX XXXX XXXX {$0.00}, XXXX {$13000.00}.
Product: Credit reporting or other personal consumer reports

Im requesting a copy of the 1099c from XXXX XXXX XXXX XXXX  that I didnt not receive. Its showing on the consumer credit report that the scccoint has been written off as a Profit and loss write-off and a charge off account yet I still havent gotten a 1099 c and the account is still reporting incorrectly and statutory damages should be paid out based on how long this inaccuracy has been going on over 12 XXXX with several complaints and claims being filed with AG, OIG, as well as XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter requesting items from a company furnishing a collection account on my credit report. I asked for a copy of the contract bearing my signature and a copy of the purchase agreement showing they have legal ownership and are legally able to collect on this account. The company ( LVNV FUNDING LLCXXXXResurgent Capital Service ) replied to my letter with information that did not equate to what was requested. I then sent another letter, via certified letter, defining what each item requested was. LVNV FUNDING responded with the same response of which did not qualify as proper documentation. I then sent a letter again, via certified mail, requesting that LVNV FUNDING LLC remove the account from my credit report. I also informed them that furnishing this account at this point constitutes as fraud Federally and State. They have not responded since my last letter.