23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We kept getting letter from Shellpoint Mortgage about a Streamline Mortifications this started in XX/XX/XXXX the first letter came. 

We spoke to the first point of contact XXXX XXXX over a course of 2 months he knew no payments where being made monthly since XX/XX/XXXX. 
XXXX XXXX I and customers service left him a messages and emails XXXX XXXX I and customers service left him a messages and emails XXXX XXXX I and customers service left him messages and emails Mr XXXX arranged all the papers and told us to pay our first month mortgage payment XX/XX/XXXX was the first payment XX/XX/XXXX XX/XX/XXXX we did on our XXXX bank   account. 

We never got a phone call after making the payment so I reached out to Mr XXXX and he never returned my phone call. 

On XXXX XXXX I got a letter stating u can not get a Streamline Mortifications. 
I kept calling trying to find out what happened to Mr XXXX no answers. 
So I asked customer service can I speak to someone else I then got a another point of contact XXXX XXXX She told us the same thing yes we can have a Streamline Mortifications and save your home on XXXX XXXX our first payment is XXXX XXXX XXXX XXXX XX/XX/XXXX I started calling Shellpoint Mortgage because she never reached back out to tell me anything because she told me she was going to call me if something happened that would stop me from getting help. 
On XXXX XXXX I was told again no you can not do a Streamline Mortifications but you can do a payment plan But Ms.XXXX was the only point of contact I can get to help me no one else again just like Mr.XXXX XXXX XXXX I and customers service left her a messages and emails to call me back XXXX XXXX I and customers service left her a messages and emails to call me back XXXX XXXX I and customers service left her a messages and emails XXXX XXXX She called me back at XXXX XXXX and told me I can have a payment plan and nothing else but there is no fee and court cost on my account I have to get that amount before making a payment plan available for me. 
She said she was looking on the computer for the information but in my account it was not there. 
She would call me back on Thursday or Friday because she was moving out of her place to get a new place and would not be at work. 
I never heard from her so I called her on Monday XXXX XXXX to found out the fee and court cost so I can do a payment plan Ms XXXX said to me the foreclosure department hire the same attorney to foreclosure on you by XXXX XXXX So you have to pay back everything you owe. 

6 Months passed with this mortgage company I pay {$1900.00} a month {$11000.00} made me deeper in collections while they committed Bank Fraud and fraudulent Mortgage tactics and Money Laundering. 

This mortgage company prolong my payment on Purpose. 
Why would this fraudulent behavior happen for 6 months and still put me in foreclosure. 

I need help now I have a XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name/Number XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name/Number : XXXX XXXX XXXX  Account # XXXX has been on my report for 7 years as closed and paid by garnishment which has been proven to be not account. was deleted from Equifax but still showing on XXXX and should be deleted. 
Account Name/Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX was on my XXXX report as closed and now listed as derogatory and is not my account. 

XXXX XXXX XXXX Account Number : # XXXX XXXX  advised me that they do not have this account, and it is not mine but is showing as a collection on my Equifax
Product: Credit reporting or other personal consumer reports

I have a few inquiries on my report from unknown companies. Please remove these from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap.
Product: Debt collection

I already mentioned that you guys should already remove this bankruptcy due to inaccuracy! I have the letter from the court!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, CAPITAL ONE BANK USA N XXXX XXXX opened XX/XX/2019 Balance {$5600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted BOTH credit bureaus Equifax and XXXX about a late payment from XXXX listed on my credit report for an account that is NOT MINE, i was just an authorized user. I first contacted both Equifax and XXXX via U.S. mail on XX/XX/XXXX .... I never heard back from either bureau! After contacting them again via mail on XX/XX/XXXX, i have yet to hear from them. It is absolutely mind blowing that two of our biggest credit reporting agencies nationwide, just IGNORE consumers and hurt they're chances at obtaining good credit by reporting erroneous and inaccurate information. Totally unacceptable and irresponsible!
Product: Debt collection

lost wallet years ago and i am a product of my negligence of leaving my wallet in a supermarket to only vome back and it be gone ever since i havent had any breaks years of repair is needed to stop these fraud accounts from being resold to new collection agencies act # XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments Reported for Account # XXXX Dear CFPB, I am writing to dispute the inaccurate late payments reported on my credit file maintained by Equifax . Specifically, the late payments listed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect and do not reflect my actual payment history. 
Nature of the Complaint Inaccurate Reporting : These late payments are erroneous. My account was enrolled in autopay, and I have never missed a payment. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Reporting these inaccuracies violates the FCRA ( 15 USC 1666 ( b ) ), which ensures consumers ' right to accurate credit reporting.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : Incorrect reporting of late payments may also constitute a violation of the FDCPA.

Truth in Lending Act ( TILA ) : These inaccuracies also violate TILA, which mandates truthful reporting of credit information.

Under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, credit reporting agencies are required to ensure the accuracy of information reported. Failure to comply may result in civil penalties under sections 15 U.S.C. 1681n and 1681o. 
Account Information Account Number : XXXX High Balance : {$27000.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 30 Days ( XXXX, XXXX, XXXX, XX/XX/XXXX ) Requested Resolution I request that Equifax investigate and remove these inaccurate late payments from my credit report. Please update the entries to reflect my actual payment history of 100 % on-time payments. 
Attachments Copy of my government-issued ID. 
Copy of my Social Security card. 
Proof of current address ( e.g., utility bill or bank statement ). 
Copy of my full credit report highlighting the disputed account and inaccurate late payments. 
I look forward to receiving confirmation of the resolution within 30 days. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant XXXX. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Credit reporting or other personal consumer reports

The student loan on my credit report were paid off and Balance at XXXX XXXXXXXX is reporting as if I have a balance with them even after the servicer was changed to XXXX by the department of education. 

I attempted to dispute with bureaus and it came back as updated. 

I contacted XXXX over 65 days ago to have this properly updated and they have failed to do so even after confirming I have no current loans with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call this morning at XXXX to Experian and the agent didn't catch his name anyway he was being sarcastic and rude. He kept asking my name and verify my information which I did and gave me a hard time about my address when I been living here for over 3 years anyway gave me a hard time for not taking a dispute because he needed me to send in an update on my address when it is already updated. I'm trying to tell him why are you asking about an address when I have an active dispute. Then he tells me my credit report needs to be updated I ask him how every time I call I never had this problem, he tells me well I can't help you until you send me a copy of your ID and proof of address. Anyway this agent was very rude did not help me or an dispute that I was calling for so I'm complaining about this situation that went left bad communication with this agent he didn't even look up or go into my file to see if my address was OK he gave me such a hard time he was not nice about helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto lease with XXXX XXXX XXXX and on XXXX of XXXX it reported to all 3 credit bureau that i was late 30 days and caused my score to drop over 50 points which denied me an approval for a coop / condo mortgage. These mortgages have stricter requirements than standard single family homes. I called XXXX to express my concern and they provided me with a certified copy stating that my account was never late or been delinquent since its birth and they have never reported anything negative to the credit bureau. How is that mistake made and how can it be fixed. Tried to dispute with all three credit bureau but my credit score stays the same and provided them with a copy of the letter exonerating me from such delinquency.
Product: Mortgage

I unfortunately last XXXX contracted XXXX. The medicine provided to help my recovery time ended up working negatively with the XXXX, i subsequently got sicker and fell behind on both my mortgage and my Heloc. I was somewhat relieved to find out that there was a program in place for homeowners with these circumstances called MI HAF. 

I went through the application process and was contacted by a case worker who patiently walked me through what was needed as far as documents. One of the documents necessary to pay the Heloc and make it current was a letter from the servicer 5th 3rd bank ( Fifth Third ). I went into the branch on XX/XX/ and requested this document. I also didn't mind closing the Heloc withdrawal function because I was no longer with the person who I opened it with. Now i did specify I wanted it closed to ALL parties, and that I would work on just paying it down or off, but that i did qualify for this program that at least would bring the Heloc current.

That's when I was informed that you can not cancel the withdrawal function on the Heloc. The only way to stop the withdrawal ability was to pay it off or to wait 10 years. 
I reminded all 9 representatives I spoke with over the course of 4 days that again MY property, and I am the only one on my deed, my property is tied to this Heloc and I wanted to close the ability to withdrawal on this product again for all parties myself included and again to no avail.

And it wasn't until the 4th day I found a " Hardship Assistance '' online for 5/3rd, on my own not one of the 9 reps i spoke with pointed me in this direction mind you. And their idea of hardship assistance is simply an email. No instructions, no one to contact, simply an email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to both XXXX, XXXX, and Transunion asking them to furnish -- within 15 days -- their information as to how they verified a Chapter XXXX Bankruptcy on my credit report. The letters were mailed out on XX/XX/XXXX. In addition to not receiving a response from any of the bureaus on the verification method, I also pointed out inaccuracies in how they all reported it in separate letters. There have not been any responses, changes, or deletions made as a result.
Product: Credit card or prepaid card

In  XXXX  of  2017  when i reviewed my credit report, I noticed my Best Buy credit card balance was over the limited. When i called Best Buy/CBNA credit card to inquire the reason for the over the limit credit card balance the customer service representative,  XXXX , informed me a promotional offer expired and the interest was added to the card. I explained to  XXXX , i was not given notice about any promotion expiring and never received any mail regarding this information.  The CBNA representative was not helpful and refused to give me any information about the promotion.
Product: Checking or savings account

I opened an account with Chase, it was closed with no info. 

I tried to open an account online and they said they couldnt verify my identify. 

Would like assistance.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the failure of XXXX, XXXX, and TransUnion to properly investigate and address inaccuracies in my credit report, despite my previous submissions of accurate and up-to-date documentation. 

On XX/XX/2024, I submitted a report to the Federal Trade Commission ( FTC ) concerning fraudulent accounts incorrect addresses and inquires on my credit report. Along with the copy of ftc report, I provided XXXX, XXXX, and TransUnion with a copy of my driver 's license, a utility bill, and a bank statement to verify my current information. However, these credit reporting agencies have failed to conduct a proper investigation, and the fraudulent accounts and incorrect addresses remain on my report. 

These inaccuracies are negatively impacting my creditworthiness, making it difficult for me to apply for credit and other important financial opportunities. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccurate accounts and addresses be promptly removed from my credit report. 

Thank you for your prompt attention to this matter. I trust that the CFPB will ensure that these credit reporting agencies comply with their legal obligations to conduct a thorough investigation and maintain accurate information.
Product: Debt collection

15 U.S.C 1666B States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 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
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX 2022 Address : XXXX XXXX WA XXXX I want these inquiries deleted/removed because i didnt authorize this company to run my credit and this is fraudulent.
Product: Credit card or prepaid card

On XX/XX/2018 a charge of {$63.00} was made for XXXX XXXX XXXX. I do not own an XXXX. I attempted to contact XXXX XXXX  customer service today XX/XX/18 and was told by the automatic answering machine that the number was no longer in service. I tried several other means of contact via XXXX, corporate and my local store. It was hours later before I found out myself that the number was working again. I then waited 20 minutes to speak to someone, be transferred to the fraud dept. and be told there's nothing they could do. Apparently, I need to contact the merchant and XXXX refused to do anything at all about it. I was under the impression that XXXX alone had a policy regarding me not being responsible for fraud charges under certain circumstances ( which I qualify for ). I told her I couldn't find a real contact number for XXXX so she gave me one she was certain would work. It didn't. It connected me to someplace advertising addiction and upon recalling it and double checking the number, it told me the number didn't work in my area. So I am at the mercy of a company that is impossible to get a hold of and my credit card company who is difficult to contact. No one has hours a day to dispute a single transaction. I feel that XXXX isn't holding up their end of the XXXX guarantee, assuming they have to, and is also intentionally being uncooperative. I want the charge removed.
Product: Debt collection

Paypal has robbed me of all of my funds from my XXXX Checking account on XX/XX/19. I never approved of the unauthorized 36 charges from someone named, XXXX XXXX of CA. I contacted XXXX XXXX   Representatives and they looked into the unauthorized charges in my XXXX checking account. I explained to the XXXX XXXX  Representatives that I never made purchase with PayPal nor used my charge card. However, I checked my PayPal account on XX/XX/2019 and did not see these unusual charges on my Paypal account. XXXX XXXX  gave Paypal Company the permission to gain access to my all of my funds in my chase checking account which is in the negative status.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I found out that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Kindly ensure the accuracy of the account mentioned here in my complain. As a matter of fact I am not agree with this. I demand for your immediate correction and please investigate this unverifiable account : XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$16000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my authorization and I request their immediate removal. 
The accounts in question are : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX