23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, I purchased a home in XXXX, AZ while on XXXX XXXX in the XXXX XXXX XXXX. I received mandatory permanent change of station orders to XXXX in XX/XX/XXXX, upon which time I rented the home, but once the renters moved out and the market tanked, and due to a loss of income after my wife lost her employment during the move, I began processing a short sale of the home in XX/XX/XXXX. Since XX/XX/XXXX, I have had XXXX buyers for a short sale and on each occasion, the XXXX mortgagers did not come to agreement and thereby causing the short sale purchasers to abandon the purchase. On each occasion, particularly after the short sale was denied, the servicing mortgage company sold ( XXXX transferred ) my mortgage to I presume the highest bidder. This is evident now as I submit my second complaint because, yes, my mortgage has been sold ( aka transferred ) yet again to Shellpoint Mortgage Servicing. And now, XXXX ( XXXX ) years later - as of this complaint, I still have not had success selling this home and the home remains vacant since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to CAPITAL ONE, yet CAPITAL ONE is not removing this fraudulent account. CAPITAL ONE has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet CAPITAL ONE has refused to do this. The following is the fraudulent account : CAPITAL ONE / XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax, XXXX, and XXXX are classified as consumer reporting agencies, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX ) per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. Also, pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting these items ( EXHIBIT A ) without my consent and in violation of their own privacy policy. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, EQUIFAX, XXXX and XXXX are in violation of this. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you verbal/nonverbal/written/ and/or otherwise expressed. I am now rescinding the authorization per 15 U.S. Code 6802 and 12 CFR 1016.7 effective immediately and indefinitely.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XX/XX/year> XXXX XXXX XX/XX/year> Accounts : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I have a few things on my credit report that are hurting my credit profile. These two accounts are both reporting on my credit profile that were bought out by third party collection agencies, who I did not authorize or consent my personal information to. Because of this error, it is lowering my credit score, and increase derogatory marks on my credit report. I am unable to get any loans at this time and my interest rates are through the roof. XXXX. XXXX XXXX ( Original creditor XXXX ) XX/XX/XXXX. Credence Resource Management ( XXXX XXXX XXXX ) XX/XX/XXXX
Product: Mortgage

FREEDOM MORTGAGE STAY AWAY FROM THEM. 



If you are a veteran or someone who is using freedom mortgage, please stay away from that company, especially when you are trying to refinance with a different company. They lied to this company so that way I couldn't be able to refinance with them. Here 's my story and how they try to XXXX me over. 

In XXXX of 2021, I received and signed a modification agreement letter from Freedom Mortgage. My three trial payments for this agreement began in XXXX of 2021, and I have made every payment on time since then, except for XX/XX/2021. Freedom Mortgage claims that I have been delinquent on my payments since XX/XX/2021. This statement is false, and I have all bank statements to show I made those payments during that time frame. 

my ex-wife and I signed and notarized all required loan modification documents on XX/XX/2021, and sent them back to Freedom Mortgage. In XXXX of 2021, after I had completed all requirements for the loan modification, I received a letter from Freedom Mortgage stating that I was no longer eligible. I got XXXX XXXX, VA Loan Technician, involved at this time, who also had to get her supervisors involved to handle this situation. I was told not to make my XXXX payment until Freedom Mortgage honored their original loan modification agreement. Freedom Mortgage took two months to process the loan modification.
Product: Mortgage

On Friday, XX/XX/XXXX I received my escrow statement in the mail and upon opening it I was taken aback by the amount of the shortage outlined on the statement. I tried my best to make sense of it, but could not. 

On Monday XX/XX/XXXX, I started making phone calls to both my local tax office and my insurance company, neither of which could help me make sense of what I was explaining. I then reached out to my loan service provider ( Loan Depot ). I spoke with a customer service representative by the name of XXXX in the XXXX service center who did her due diligence to assist me with a problem that obviously occurred in the New Jersey service center. I initially refinanced my loan. With loan depot. In their New Jersey. Office. In XXXX XXXX  XXXX my loan was transferred to their Texas location. After XXXX did as much as she could and could no longer be of assistance to me, I escalated my concern to their upper management who transferred my case to XXXX XXXX an Escalation Specialist who has been working on my case. 
She informed me on XX/XX/XXXX that her superior said that it was the fault of the insurance company, for sending a supplemental bill which in turn prompted them to put the lower amount in their system thereby throwing my escrow into a tailspin. 
On XX/XX/XXXX I had a conference call with XXXX XXXX, Loan Depot Escalation Department, XXXX XXXX, XXXX XXXX and one of my family members who is knowledgeable about the mortgage/escrow process. After going over everything with a fine-tooth comb, the conclusion was that Loan Depot should have made the changes in an obviously flawed system. For your information, I have outlined the order of events. 
Timeline of events are as follows : XX/XX/XXXX Loan Depot received a bill from XXXX XXXX for {$3400.00} XX/XX/XXXX Loan Depot paid XXXX XXXX {$3400.00} XX/XX/XXXX Loan Depot received supplemental bill for {$280.00} XX/XX/XXXX Loan Depot paid XXXX  {$280.00} Upon paying the last amount of {$280.00}, Loan Depot failed to add that amount to the {$3400.00} in their system, therefore only escrowing {$280.00} for an entire year. When my current policy amount of {$5800.00} was billed to Loan Depot, they paid it on XX/XX/XXXX, adding to an already negative account because of their initial mistake. 
I am not asking for them to take responsibility for the current amount owed, just the amount of {$3700.00} that caused the large overage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX. XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX LA XXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/202XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$52.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$76.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00}
Product: Credit reporting or other personal consumer reports

TransUnion has very private personal information reported on the credit report. The last 4 digits of my social security number and Full date of birth is a breach of privacy. I never gave Transunion consent to report or share any of my information and it needs to be removed/Block from the credit report IMMEDIATELY.

I have had to replace debit cards due to someone getting my information and social media hacks. These credit reporting companies are making it very easy for identity theft to occur. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft
Product: Debt collection

at the time of service insurance was verified and approved to render services. i was not contacted by phone or mail of this debt or my right to dispiute it before going on my credit report. i am XXXX  and unable to pay this debt. the debtor are aware of my XXXX.
Product: Credit card or prepaid card

My ex husband used the automated IVR phone system for Comenity Bank to obtain my current credit card balance and last payment information to use against me. He knew my phone number, address and last 4 of SSN to use the automated system to obtain information he is not authorized to access. There is no way via the automated system to block him using any additional security measure, like a PIN, to deny access to this private information. If he calls into a live rep, I have added a password to deny access. He can not use the website since he does not have login information or the account number. He has not been an authorized user on this account for over a year and not authorized to obtain any information on my account. Because he knows my personal information, it is not considered fraud for him to obtain this information via the automated phone system. If there had been that one extra step of PIN validation, I could have blocked him from access my personal information. By obtaining balance information, he is able to determine when I make purchases on the card and available credit. He owes me for a majority of the highest balance on my credit card he racked up while we were married. The current balance on the card is much less than what he owes since I've been paying it down to improve my credit score, yet he mistakenly believes this balance is the actual amount he owes and he won't pay me the amount agreed in the divorce settlement. He is using my own information against me. From Comenity Bank records, he accessed my account via IVR on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my consent or knowledge. He was removed as an authorized user on the account in XX/XX/XXXX, and we were divorced as of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I did a wire transfer to coinbase on XX/XX/XXXX and my account has not been credited yet. I submitted a ticket through coinbase on XX/XX/XXXX but I have not heard anything back. The case # is XXXX. I have contacted them multiple times and I am getting nowhere. Any help would be appreciated.
Product: Checking or savings account

I was scammed by a romance scammer and he put my account in the negative and they kept my benefits check because of the negative balance. I requested my benefits check back but they didn't comply.
Product: Credit reporting or other personal consumer reports

XXXX hard inquiries listed below were attempts on my Transunion credit report on XX/XX/2023 and XX/XX/2023 - I notified Transunion of this faudulent activity via phone calls back in XX/XX/2023, I was informed at that time these XXXX faudulent inquiries would be removed immediately, but they STILL remain on my credit report. 


XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Checking or savings account

Hi Bank of America Support Team- I noticed several fees on my Bank of America account that I would like to ask for a refund on. I have been a loyal customer of Bank of America and hope to continue, but these fees are becoming really frustrating .... Especially when there are now so many fee-free banks and its been such a tough year! 

Can I get a refund on the {$59.00} from my transactions below? 


Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Thanks a ton, XXXX
Product: Money transfer, virtual currency, or money service

I am the beneficiary of my husbands IRA account at Synchrony Bank. My husband passed away and I am trying to obtain a check for the outstanding balance to pay off his funeral expenses. I faxed the required documentation ( notarized ) including my husbands Death Certificate over 2 weeks ago. The request still has not been processed. The outstanding balance in the IRA CD is {$6500.00}. I have called on 2 occasions to determine the status of the account. Both times I waited on hold for extended periods of time and was told no one in the IRA dept. had time to talk to me. Both times they promised to call me back, and both times a call was never received. On the second call, I asked to speak to a manager and was told NO. I'm very frustrated with this online bank and at this point don't even know if the bank ever received my fax. I suspect they have since I received a 'successful transmission ' status I faxed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX XXXX in the amount of {$97.00} dated XX/XX/2016. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Product: Student loan

I signed up for automatic debit for my repayment through my checking account. My payment was due XX/XX/23 and when I checked my account on XX/XX/23 it said my payment was late. Fearing hurting my credit, I did an immediate payment. On XX/XX/23 they debited both payments from my account. 

I called to refund one of the payments and after waiting over 2 and a half hours I was told the best solution was to report an unauthorized charge with my bank. They said it would take over 45 days for a refund and was not guaranteed to go through. They blamed the double payment on banks being closed Monday but it was a direct withdrawal from a banking account and both withdrawals happened within seconds of each other despite being 3 days apart.
Product: Mortgage

I need my mortgage company ( Rushmore Servicing ) to start reporting my mortgage payments to the credit bureaus. Presently they are not due to a discharge bankruptcy that occurred years ago. I am no longer in a bankruptcy and paying my account. Per the mortgage company, they do not have to report to the credit bureau at all. I tried to explain I need my payments to be reported as this is negatively impacting me from obtaining a home equity line of credit to assist with getting needed repairs done to my home. It is also impacting my credit score. The company flat out refuses to reverse this. Please help me in working with the company to have this issue resolved.
Product: Checking or savings account

Chase Bank allowed a {$2100.00} levy against my savings account without any knowledge to me at all. I'm allowed 20 days to dispute it and allowed a court hearing. I also should have been exempt by law since my only income is state XXXX. Even after the agency that illegally took all my savings admitted they made a mistake I still never saw my XXXX dollars again. Chase said they couldn't recover the money because it's already in someone else 's account. That's a lie. They took it out of my Chase account and put it into someone else 's Chase account. Odd how they can take money from my account but they can't take it out of there account when we have the same bank. I totally feel absolutely discriminated against.
Product: Debt collection

Procellect is saying I owe over XXXX XXXX for a lease at an address that I wasn't even legally allowed to live at. I had a XXXX. issued at the address on XXXX XXXX, 2023. I've since been cleared and never convicted of any felonies. How could I sign a lease i couldnt legally live at, and how could they legally lease to someone who couldnt legally live at this address? This debt collections calls me XXXX times a day beginning at XXXXam and XXXX off around XXXX to XXXXpm. Different numbers, sometimes not even saying anything when I answer calls. I sent them a letter asking to prove my debt with nothing returned. This wasn't on my credit, then it popped up with like XXXX months of a non payment. The only reason they recently started contacting me is because I've been approved for a mortgage loan.
Product: Debt collection

COLLECTION MANAGEMENT CO : DEBT COLLECTION COMPANY IS REPORTING ON MY CONSUMER REPORT AS AN OPEN ACCOUNT DATE AS OF XXXX WHICH IS INACCURATE. I AM ASKING THEM FOR AN AUDIT TRIAL OF BALANCE TO PROVIDE ME THE AGREEMENT THAT GRANTS THEM AUTHORITY TO COLLECT THIS ALLEGED DEBT. ALSO PROVED ME THS MASTER BILL OF SAIL.

ACCT # XXXX ACCT # XXXX ACCT # XXXX