23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Gentlemen! First of all, I did not choose this crooked mortgage Co : my previous mortgage servicer went bankrupt, the government took over the mortgages and gave them to the crooks under the name LoanCare LLC, without asking my opinion or consent. this company charges their customers bogus hidden fees. they charge me {$10.00} every month for making my monthly mortgage payment. they do NOT provide you with any other payment option that would allow you to avoid paying {$10.00}. this is a ripoff : this " fee '' was never disclosed to me nor I ever agreed to pay it. if they charge thousands of client {$10.00} each every month {$10.00}, that will add up to a nice chunk of money for them fordoing nothing, - not too shabby. and what prevents them to turn this {$10.00} bogus fee into a {$50.00} or a {$100.00} bogus fee next month? My account is paid on time before the due date, the representative on the phone was not capable of explaining coherently what the {$10.00} ripoff was for. can you please help me to understand why I am being robbed {$10.00} each month? I am a semi retired senior citizen, I work only 20 hours a week due to my multiple and serious health issues and I am still raising XXXX minor children, I don't have any spare money to give to every crook out there. thank you for your help.
Product: Mortgage

In XX/XX/2020, I applied forbearance for my mortgage with Carrington Mortgage. I was ready to come out of forbearance and submitted my information. They extended the forbearance without asking while they performed their paperwork. I accepted the repayment plan for past months that were associated with the forbearance. My first payment is due on XX/XX/2020 and they reported a delinquency against my credit reports. I asked them why they did this and they stated it was part of the acceptance of the agreement. Nowhere in the plan I signed does it say there would be a delinquent reporting against my credit. If I know this, I would have never accepted the payment plan and just submitted what was due. 

Also, doesn't the Cares Act protect me from this?
Product: Credit card or prepaid card

On XX/XX/XXXX my XXXX credit card with XXXX XXXX XXXX was transferred to First National Bank of Omaha. As recommended, I set up an online account with XXXX. I noticed that a payment I had made to XXXX XXXX XXXX on XX/XX/XXXX was not reflected in my balance with XXXX  ; according to the new online account I needed to pay that amount to XXXX on XX/XX/XXXX. I called XXXX on XX/XX/XXXX and a rep told me to fax proof of the payment to XXXX but didn't provide details about how to ensure XXXX knew why I was sending this information. On XX/XX/XXXX I called XXXX  XXXX XXXX and was told that the payment was " pending '' though it had been taken out of my checking account and it would probably post in a couple of days and would then show up on the XXXX account. I decided to wait and check the XXXX account every day ( I no longer had access to the XXXX  XXXX XXXX account ). 
But now I could not log into the XXXX account because the required two-factor authentication did not work ( I entered the code emailed to me but nothing happened ). I called XXXX on XX/XX/XXXX and was automatically directed to " fraud prevention '' and was told I needed to be " verified '' with a voice code sent to my phone number. I have since learned that neither my XXXX XXXX number nor my cellphone number is acceptable to XXXX, so this verification has failed. The only way I can be " verified '' to to either fax notarized ID documents to XXXX or go to my bank and have a bank officer call XXXX in my presence and verify that I'm who I say I am. I can not get anything notarized without an in-person visit. I can't do that, or go to a bank, because I am recovering from XXXX and still testing positive, besides being sick. 
I have made several calls to XXXX and told them that and they won't change these requirements. The only thing I can do without being " verified '' is pay them. 
So, within a day of XXXX taking over my XXXX credit card account I have no online access ( and the rep told me I couldn't get any information over the phone, either ). Plus I can't ask for technical support to clear up the log-in problems without being verified. 
I have no way to find out, before the due date, whether the mistake in my account has been corrected. The fact that XXXX will not accept my phone numbers as a means of verification means that I could be in this limbo forever. I also have no idea whether the log-in problem can be corrected. Even if I manage to get " verified '' this time because I test negative in a few days and can get to a bank or have documents notarized this could occur every time there's a problem because the bank doesn't accept my phone numbers. 
I can't even close my account without being verified ; the bank could do it but that would be a black mark on my credit. 
This kind of fraud prevention amounts to denying me credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed IC Systems was reporting this debt but this is not mine. I never received any notices, calls, letters or correspondence from them about this debt. This debt has never been verified to me and this violates my 30 day right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX XXXX XXXX that they are inaccurately reporting that I was late XXXX and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Product: Checking or savings account

From XXXX the overdraft fees and return check fees that have been resulting in negative balances which insufficient money was there or no money at all these company generated penalties have caused financial hardship and even resulted in negative notations in my credit report, I have tried to plead and reason with them and there is no compromise.
Product: Debt collection

keep getting odd numbers showing up on my WORK phone. When I look the numbers up on the internet, I find they are many different numbers for Portfolio Recovery. And I also see there are MANY complaints about this company. This is my WORK phone. My boss has even answered and told them it was illegal for them to bother anyone at work, and they still call, so I do n't answer. Any debt I have is being handled, so I do n't even want to talk to them, because from what I 've read on the web, these people take even answering the call to be some sort of admission of responsibility for the " debt ''.
Product: Mortgage

I am the 3rd part Listing Broker for XXXX & XXXX XXXX. 
Since XX/XX/XXXX I have been trying to negotiate a short Sale with Lender Carrington Mortgage. Since then I have had multiple offers on the property and submitted them to Carrington Mortgage. Each time the offers where denied. From XX/XX/XXXX till about XX/XX/XXXX Carrington Mortgage finally sent someone out to look at the property. Please note this property Has been on the market over 300 days. 
The property needs much repair. 
My last offer was entered on XX/XX/XXXX. When carrington set the appraiser out he asked how much the contract price was. I told him he said after viewing the property that XXXX would probably be high price for this property based on the condition. 
On XX/XX/XXXX I called Carrington to check status of my offer and the value of the property as per the Appraisal / BPO I was told the value was XXXX. I asked for a copy of the appraisal this way I could show it to the buyer to see if I could work the offer up. I was no problem it would be emailed. Never got it. I called back on XX/XX/XXXX and was told that I could not see the appraisal / BPO. However a asset manager would contact me. I never got a call. On XX/XX/XXXX I got a message on the XXXX XXXX to upload the offer that was already sent to them in XX/XX/XXXX. Then about 1 hour later I got an email from XXXX that the short sale was declined. They did not even Counter the offer. I feel that Carrington is acting in bad faith and not helping in any way the borrowers to avoid foreclosure. Not Providing a copy of the appraisal / BPO is a violation of CFPB rules.

Carrington Mortgage is hampering me from doing my job. The appraisal / Bpo is a tool I could use to help get the buyer to that price.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681. 

Account name : XXXXXXXX XXXX  # XXXX Amount XXXX. 

Account name : XXXX XXXX XXXXXXXX Amount XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : 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 items 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 or other personal consumer reports

I previously submitted disputes to XXXX, XXXX, and Experian regarding inaccurate information reported on my credit file. In these disputes, I identified specific accounts and detailed the violations of my consumer rights. Despite this, over 30 days have passed without a proper response or resolution from your end.

Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( b ), it is required that disputed accounts be marked as such, which has not been done. Furthermore, the FCRA 605 ( c ) has been violated as the date of last activity on this account is inaccurately reportedit should reflect the actual last payment date.

Additionally, this account remains unvalidated despite my requests, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) per the FTCs opinion. Copies of all previous correspondence regarding this matter are attached for your reference. 

I demand immediate action to rectify these inaccuracies and violations. Kindly provide me with a corrected credit report reflecting the resolution of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX  and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9 - 13 of the attached from the credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

Exeter finance place a debt on my credit roper for roughly 10k and sold the account to XXXX XXXX while still trying to collect the debt under the original account holder which is Exeter. I settled the account with XXXX XXXX  whose in charge of the debt and had the account deleted once paid. Exeter than updated the account to a balance owed of XXXX when it was already sold to XXXX and handled in a timely matter
Product: Credit reporting or other personal consumer reports

According to the FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item and restore my credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX  XXXX {$1300.00} XX/XX/20 XXXX XXXX XXXX XXXX {$1300.00} XX/XX/20 XXXX XXXXXXXX XXXX XXXX {$960.00} XX/XX/20 XXXX XXXX XXXX  XXXX {$840.00} XX/XX/20 15 U.S.C, 1681section 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 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

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX XXXX Balance : {$900.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX Balance : {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing a hard inquiry on my XXXX  credit report. No other credit bureau is reporting this. I talked to XXXX customer service at XXXX ( est ), XX/XX/XXXX who was supposed to send me information on how I could contact this company. That information was never provided. The company in question is : XXXX XXXX XXXX XXXX. Please read below for additional information. 

I am disputing a hard inquiry on my Equifax credit report. The finding is : Syncb/ppc, posted on XX/XX/XXXX, XXXX XXXX XXXX XXXX. The problem is 1 ) I do not have any idea what this is ; 2 ) I  have not applied to/for anything credit related since receiving my XXXX Card in XX/XX/2018. Furthermore, I did not authorize Anyone to do any kind of credit check that effects my credit report. This is unacceptable. 

After researching the company, I could find not find any contact information via phone, email or an address to see why they pinged my credit. This inquiry is fraudulent and was not authorized by me, and should be remove from my credit report ASAP. I've covered all my bases, so I'm hoping you can assist me in this matter as this effected my credit score.
Product: Payday loan, title loan, or personal loan

During XX/XX/2020 Target Cash Now had approved a loan application claiming they spoke to me on the phone. I have phone records that prove otherwise. The fraudulent loan application contained my stolen identity ( name, address, social security number ) as well as a false or someone elses drivers license. The employment information is false. The email address supplied has been inactive for years. The XXXX  XXXX XXXX account specified in the loan application is not mine. I have spoken to Target Cash Now agents multiple times, sent emails with police incident number, FBI IC3 report, FTC ID theft reports. My first email was sent in XX/XX/2020 which was followed by a USPS mail of the same material ( return receipt received ). I have never received a response from them nor have I received the loan number and the loan documents for my investigation into this matter. Each time I call for an investigation update, their agents dont have an update. Since XX/XX/2020, a second set of documents was both emailed and sent by USPS mail during XX/XX/2020 containing my personal investigative findings.
Product: Debt collection

They have called me numerous times and only leave a prerecorded message to call them back. When I called them back they claimed it was a debt collection over a Check N Go loan from XX/XX/2015. I wrote check n gos fraud department to verify my debt and all they said was its verified, they did not provide details or specifics and didnt prove the debt is real.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to report unauthorized credit inquiries on my credit report that I do not recognize. I have previously requested the credit bureaus to remove these inquiries, but they fail to do so.I am now providing an identity theft report ( will be attached to this compliant ). I kindly request that these inquiries be removed from my credit report as soon as possible for these inquiries are not mine and are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquire on my credit report that I didn't authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I'm reaching back out to you guys because there are still items on my credit that is not mine and on top of that its two more items since then that is not mine. XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Can someone please help me with getting this off my credit.
Product: Debt collection

U.S Auto sales went bankrupt and did a no recourse dealer retail agreement and then XXXX XXXX XXXX then they resold the debt to West Lake Portfolio Management which is not correct. The debt was written off in a bankruptcy o i no longer own this debt. I did in house financing so if the company went bankrupt so did the debt. I made all my payments on time it say debt paid off on my credit report. Not to mention West Lake has all the incorrect information on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last month I have tried to log into Transunions website to view my credit report. I receive an error message saying Im unable to retrieve online and to call or mail my request. On today, XX/XX/2023 I spoke with XXXX different agents XXXX, XXXX being a supervisor by the name of XXXX XXXX hung up in my face but not before XXXX XXXX being unprofessional because he hung up in my face told me that the reason Im unable to view my report online is because my social security number was mixed up with another number therefore creating an error. Which I feel could leave the possibility of incorrect information being placed on my report. I have not been able to resolve this issue and I feel there has been a breach on Transunions part. I want to resolve this amicably before I consult an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

A certified letter ( Tracking number : XXXX ) dated XX/XX/2021 was sent to EQUIFAX showing inaccuracies found on my credit report requesting these inaccurate items to be removed from my credit report. This deletion request letter was accompanied by supporting factual evidence from my credit report. 

As of today, more than 45 days have elapsed since this request for the removal of inaccurate information from my credit report was filed with EQUIFAX. In accordance with Federal Regulations ( FCRA section 609e, 611, 623 ) EQUIFAX should have investigated and provided factually supported evidence and appropriate documentation or have removed these items from my credit report within a reasonable time of 30 days. 

Since these inaccuracies are still on my credit report with no written response, EQUIFAX is in violation of these Federal regulations and must delete these inaccuracies from my credit report immediately. Unlawful reporting of inaccurate information by Equifax has caused financial hardship on me including denials for credit, I demand these inaccuracies and unauthorized inquiries from my credit report be deleted immediately.
Product: Debt collection

repeated phone calls to my cell phone daily from Sequim Assets in an attempt to collect a debt for XXXX XXXX XXXX. I have advised multiple time not to call during my work hours as I am not able to answer personal calls during this time. I have also advised that I have had some urgent unexpected medical expenses come up and can no longer afford to make payments but will send payments to them as able. Daily calls from numerous numbers keep coming to my cell phone. Even if I have answered and spoken to someone that day.
Product: Credit reporting or other personal consumer reports

A charge off is considered a certificate of indebtedness which means it is income and must be removed
Product: Debt collection

Someone has been perpetrating me and still my identity and applying for credit from major agencies, such as XXXX XXXX XXXX, Self Financial, XXXX XXXXt, and XXXX XXXX XXXX. I have been a victim of Fraud and need immediate assistance. Thank you
Product: Mortgage

NewRez LLC was my mortgage servicer as of XX/XX/XXXX. On XXXX XXXX, XXXX, NewRez made a payment of {$3700.00} to XXXX County, Maryland by mistake for the property tax, where the property was located in XXXX XXXX County, Maryland. Since XXXX XXXX, I have requested NewRez to request refund from XXXX XXXX and pay to the XXXX XXXX county for the past due property tax. But NewRez failed to do that. Because the property was made to the wrong county, the property tax due to the right county was past due and penalty was occurred. As of XX/XX/XXXX, the refund was not requested by them and past due property was not paid. On XX/XX/XXXX, I paid off the loan with NewRez. Since the loan was paid off, NewRez told me that I have to pay the past due property tax myself. As for the penalty, I have requested them to pay. But as of XX/XX/XXXX, they did not pay anything and the penalty will be increased if not paid timely. I have called, emailed and mailed to them more than ten times for this issue and very frustrated for their action and efforts. 

FYI, the payment was made to the wrong county two times. I have informed them the wrong payment in XXXX XXXX and they did not make the correction, which cause the second wrong payment in XXXX XXXX. Also, I informed that the annual escrow analysis is wrong and increased monthly payment ( more than {$400.00} ) need to be adjusted to the right amount. But they fail to do that. I over-paid amount to the escrow account, but they did not pay me any interest for the over-paid amount, which caused by their mistake.
Product: Money transfer, virtual currency, or money service

Between XX/XX/2021, and XX/XX/2021, I fell victim to two multi-layered scam operations run by scammers which involved me making deposits for a total amount of XXXX XXXX from my Crypto.com account to fraudulent investment firm ( s ).