23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

OnXX/XX/XXXX, I sent a complaint with number XXXX, against Bank of America. Call number ( XXXX ) XXXX, on XX/XX/XXXX, XXXX attended me. She says that my case is closed because the bank promised to cfpb that they would send me the information. XXXX gave me the phone number ( XXXX ) XXXX extension # XXXX, from Bank of America. In this number nobody answers. I have called consumer assistance from Bank of America, XXXX answered, I gave him the number ( XXXX ) XXXX and the extension, he said he called but they did not answer. I asked XXXX to send them an email to send me the answer, but XXXX says he can't send anything because he doesn't know who it belongs to. On XX/XX/, I went to a branch of Bank of America, the person who attended to me said that he can not access my account because it is closed. He just gave me a sheet that printed where he says my account is closed and in XXXX. I keep insisting because I want to pay and fix my problem, although I am still bankrupt in Chapter XXXX. Bank of America has not filed with the courts. Bank of America stopped me payments in XX/XX/XXXX, for bankruptcy. I have insisted in many ways to explain why my account is closed. I believe that Bank of America is hiding reality from me.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Equifax Name : XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit report agency, block information appearing on my consumer credit report that is the Identity theft and d fraud XXXX business days of you receiving this comply fraud within XXXX business days and of identity fraudulent, Inaccurate, and complaint. This of you receiving this complaint. This information consists of a personal credit card account opened at ) XXXX XXXX XXXX opened date XX/XX/year> account number ( XXXX ). that appears related to the account fore mentioned personal loan account opened. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the you which shows the aforementioned fraudulent FICO credit report maintained maintained by you which shows the afo consumer FICO items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing oe. All of the consumer credit report maintained by you were not opened, made, or initiated by me. aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud
Product: Student loan

Payment made via check # XXXX shown by bank as withdrawn on XX/XX/19 by XXXXXXXX XXXX. Account has NOT been credited yet and interest accrues daily. I emailed them and got back a " sorry we did not receive it " email.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I am a victim of identity theft, my sister, took my cards to XXXX accounts with pnc bank, she knew my pin because she knows I use the same pin for everything se withdrew cash, we look a lot alike and the bank would not credit that back to me, when they looked at film, she changed her XXXX to look like mine. There was XXXX in debits that were made by her that I have disputed and they are not returning everything, and the are putting my accounts in the negative, this is not my fault, I should n't have to pay for what was done to me.I should receive my credits, because I had n't used my card since XXXX because i had them closed.
Product: Debt or credit management

In XX/XX/XXXX I enrolled in this company for three of my debts.

I made consistent payments of over {$150.00} every two weeks from XXXX XXXX XX/XX/XXXX. 

During that time this company made XXXX settlement arrangements. 

For my first debt they settled for {$1400.00} and this was paid off. 

By XX/XX/XXXX they had arranged a settlement with XXXX XXXX XXXX who would be paid {$2200.00} from XX/XX/XXXX XXXX XXXX. 

I continued making payments which means per the agreement the company should have been resolved and paid off by the time I defaulted in XX/XX/XXXX. 

In fact, by that time I had paid a total amount {$6700.00}. Yet later received notice that the agreement with XXXX XXXX XXXX was null and void. How could that be if I paid all the payments as outlined in the agreement? They should have been paid off by XXXX of that year yet payments were still being collected by me after that time. Payments continued to be collected for several more months in fact until they finally settled with discover card in XX/XX/XXXX, yet clearly none of the payments made between. XXXX and XXXX were ever applied to the total settlement amount of {$2200.00}. 

Between XX/XX/XXXX, the total settlement arrangement amounts add up to {$5900.00}. I have paid already {$6700.00} between XX/XX/XXXX and XX/XX/XXXX. Yet when I asked about the payments made just a few days ago you can see their records show that neither XXXX XXXX who had been scheduled to have been paid off entirely, nor XXXXXXXX XXXX were paid what was agreed upon which is why now both have filed a civil suit for {$2500.00} each! And yet, according to this debt company they have payments expected to be another {$9300.00}! 

{$16000.00} worth of payments on under {$6000.00} in debt settlement? Plus whatever is now garnished from my wifes paychecks because they failed to pay the settlement for two of my debts that should already have been paid off?! 
For for this type of behavior and I believe That not only should they apply what I already have paid to both the XXXX and XXXX, but due to the expense and cost and damage to my credit they have caused they should refund the remaining money from the {$6700.00} that would be left after paying the debts off that should have been in the first place. Alternatively I would ask that they be required to refund to me all payments made that did not apply to my debts appropriately because claiming settlement fees on debts that they failed to settle or failed to follow settlement for can not be legal and is not something I ever authorized.
Product: Credit reporting or other personal consumer reports

I've repeatedly tried to resolve the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, leading to substantial stress and anxiety. I want to emphasize that I never gave permission for this information to be linked to my name, as I'm a victim of identity theft.
Product: Mortgage

In XXXX a non-negotiable line of credit was opened with XXXX XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/Shellpoint/NewRez/XXXX unlawfully , fraudulently or erroneously attempted to assign this line of credit instrument as a mortgage instrument.

Lines of credit ( HELOCs ) and mortgages are two different financial instruments. 

XXXX XXXX XXXX XXXX XXXX XXXXShellpoint/NewRez/XXXX lacks standing to foreclose since they can not provide proof of a mortgage contract agreement because none never existed.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Reported by Equifax Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for XXXX, XXXX, and XX/XX/year> are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 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. 
Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Late Payments : XXXX, XXXX, and XX/XX/year> High Balance : {$3100.00} Balance Owed : {$1300.00} Account Status : Open, Current Account Type : Credit Card Evidence of Errors : Auto-Pay Enrollment : I have been enrolled in autopay, ensuring all payments were made on time. 
Discrepancy in Reporting : Equifax incorrectly reports 30-day, 60-day, and 60-day late payments for XXXX, XXXX, and XX/XX/year>, respectively. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request. 
Requested Resolution : I request that Equifax conduct a thorough investigation and remove the inaccurate late payments for XXXX, XXXX, and XX/XX/year> from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted numerous investigation request of an erroneous and inaccurate bankruptcy case # XXXX appearing on my credit report. The companies response that they don't have enough identifying information on me is just bogus and a stall tactic. I've provided more that adequate information for these companies to delete this information from my credit file that is causing me a hardship. 

I supplied Equifax with 2 pieces of additional and relevant information of which Equifax chose to ignore. It was a letter from the Bankruptcy court and one from XXXX ( please see attached ) This inaccurate information is hurting my credit and future job opportunities. This inaccurate information needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Dear Sir, I am a XXXX teacher and my wife is a private kindergarten teacher. I plan to have a refinance for our home and did the internet search, then Amerisave Mortgage Loan originator started to contact me on XX/XX/2021. First, he asked about my and my wife 's income and told us we can qualify for 20 yrs refinanced from 30 years. Then he pursued us to switch to 25 yrs mortgage since we might have a debts ratio problem to qualify for 20 years conventional loan mortgage. Here I want to say our annual salary from me and my wife has around {$90000.00} salary and currently we have around {$20000.00} credit card debt. We went through the credit check and he said we are all over XXXX credit score then he gave us the 25-year loan estimate with a 3 % rate and said we are qualified to apply. After we looked at the load estimate we found the bought 0.585 % points for costing {$1300.00} without disclosed to us from the beginning. Then he said if you plan to live your house for a long time, the buy points is good for us. He said our loan is approved at {$220000.00} with a {$5200.00} closing cost. Our home value is {$300000.00}. Our current mortgage balance is {$210000.00} in XXXX. He asked me to pay {$500.00} for the application fee to start underwriting, then after near closing. He told us that we need to pay {$10000.00} credit card debt to qualify the loan from their underwriting process for closing. Or the cost can add to my borrowed loan! Think of that, if we paid {$10000.00} credit debts, then our credit score should be shooting to a very high score since we have {$90000.00} income with only {$10000.00} credit debts, then why we have only had 3 % offer. I suspect it's their strategy to gain more profit for resale our mortgage. This is the broker who told us that his company resells mortgages to make more profit. If I did not have money to pay off {$10000.00} ( we do not have much cash in our account0, then he will add to our loan. It's unethical. We immediately stop our loan process. We lost {$500.00} and have no idea how much will cost us.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information being reported via XXXX XXXX, no knowledge of accounts XXXX XXXX XXXX XXXX provided XXXX XXXX PO REPORT and FTC report.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to lead a normal life. 

The negative impact of these inaccuracies has caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 

It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file, so I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Debt collection

I checked my credit report on XX/XX/2022 and saw that I had a collection in the amount of {$160.00} from Rent Recovery Solutions. I never received any written notice that this was trying to be collected, or any notice that I can dispute the charges. I have tried to reach out to Rent Recovery Solutions multiple times but have not gotten a response as I have left " XXXX '' multiple voicemails.
Product: Credit reporting or other personal consumer reports

In reference to the complaint ID XXXX. The US Department of Education failed to reply or fix issues related to said complaint ID XXXX. They Violated FERPA 20 USC 1232g ( B ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping. The accounts are also over XXXX XXXX XXXX which violates FCRA. They are also reporting conflicting information across all credit bureaus. Tender of payment was made and not applied to account. These matters has caused both stress and endangerment of my life. On contract with Direct Loans and FedLoans which are now transferred to US Department of Education Default Resolution group, the promissory note states they would not share my personal information with any third party which Transunion sales information about consumers on XXXX which includes my personal information through both direct and Indirect Channels According to their SEC Registration XXXX, XXXX form, and this violates FERPA and the privacy act of 1974. XXXX acquired XXXX XXXX, a third party which also holds US Department of Education accounts on my credit report from XXXX XXXX, and buy and sales information which is a breach of The Privacy Act of 1974XXXX uses the XXXX Stock exchange without my consent of soliciting my personal information breach of the Privacy act of 1974.
Product: Mortgage

After filing a complaint with you against my mortgage servicer, Loancare, on XX/XX/XXXX, I called them. On XX/XX/XXXX, XXXX from Loancare informed me that they are now interested in mitigation and helping me to keep my home. I asked her why they haven't responded to the Michigan State Housing Development Authority 's ( MSHDA ) multiple requests for the V Record. She stated that the payment is now being processed. She stated that Loancare has known since XXXX that I had Michigan Housing Assistance Fund ( MIHAF ) approval, even though they never responded. She stated that just today, on XX/XX/XXXX, less than 24 hours after receiving my complaint, they decided to contact their attorney and cancel the sheriff sale of my house, which was scheduled for XX/XX/XXXX at XXXX XXXX 

I was then contacted by XXXX, my caseworker at MSHDA, who is processing my MIHAF fund. He stated that he has contacted Loancare in writing on multiple occasions, and has not received a response. He stated that I could lose my grant if Loancare does not respond in a timely manner and confirm they will accept the funds and cancel the sale of my house. We are trying to give them {$25000.00} and they refuse to respond. He has contacted XXXX XXXX and XXXX XXXX on multiple occasions, most recently on XX/XX/XXXX, XXXX, and on XX/XX/XXXX. They are playing games with federal funds. XXXX from MSHDA confirmed that Loancare is NOT FOLLOWING DUE PROCESS. They did not ever send me a new mortgage agreement, they never notified me of foreclosure in any way whatsoever. They just showed up at my home on XX/XX/XXXX and taped a notice to my front door, stating that my house is being auctioned off on XX/XX/XXXX. They do not have the right to sell my house. XXXX also informed me that he has MULTIPLE clients who are having their homes ILLEGALLY SOLD BY LOANCARE. Loancare is refusing to respond in EVERY SINGLE INSTANCE. 

I told XXXX about this website, the Consumer Financial Protection Bureau. I told him that, like magic, within 24 hours of filing a complaint against Loancare, they contacted their attorney and cancelled the auction of my house. He said he has MANY people who are ABOUT TO BE XXXX  BECAUSE OF LOANCARE 'S ACTIONS. He is going to have all of his clients file a complaint so that hopefully LOANCARE will stop trying to STEAL PEOPLE 'S HOUSES. 

I called Loancare back after speaking with MSHDA. I spoke with XXXX in the Bankruptcy Division. She told me something different than what XXXX told me earlier today. XXXX told me that Loancare has known about my MIHAF funds since XX/XX/XXXX, not XXXX like XXXX said. When I asked her why they were not responding to MSHDA, she told me that they would take at least 30 days before they would provide a response. In that time, I would lose my grant. My FEDERAL grant. My FEDERAL mortgage loan is being used to crash the housing market, by abusing FEDERAL funds. 

PLEASE STOP LOANCARE FROM CRASHING THE HOUSING MARKET AND LEAVING MILLIONS OF PEOPLE XXXX.
Product: Credit reporting

Re : Account # : XXXX, XXXX To Whom It May Concern, I disputed the referenced account above on XXXX/XXXX/XXXX. The credit report of XXXX/XXXX/XXXX shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA, as sited below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( XXXX ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause XXXX XXXX XXXX, a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( XXXX ) a statement that the disputed information has been reinserted ; XXXX XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and XXXX XXXX XXXX a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 

Sincerely, XXXX XXXX