23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

SO AFTER TRYING FOREVER TO GET A GOOD FAITH REVIEW FOR A LOAN MODIFICATION FROM XXXX. " XXXX '' ( WHICH WILL BE SUMMARIZED IN A SEPERATE COMPLAINT ABOUT XXXX ) MY LOAN WAS TRANSFERRED TO SHELL POINT MORTGAGE SERVICING " SP ''. SO IN AN EFFORT TO START THE PROCESS OF BEING REVIEWED FOR A LOAN MODIFICATION I WAS PUTTING TOGETHER A REQUEST FOR MORTGAGE ASSISTANCE AND CALLED " SP '' TO LEARN - ACCORDING TO THEIR RECORDS - BECAUSE THERE HAS BEEN ALOT OF CONTROVERSY REGARDING THIS THROUGHOUT THE LIFE OF THIS LOAN ... .WHAT THE MONTHLY MORTGAGE PAYMENT SHOULD BE ( ONCE AGAIN, ACCORDING TO THEIR RECORDS ). CALLING XXXX ON XX/XX/2016 AND SPEAKING WITH SP REPRESENTATIVE XXXX XXXX HE WAS ADAMENT THAT THE MONTHLY PAYMENT WAS {$3200.00}. AS THIS WAS QUITE A DIFFERENT NUMBER THAN WHAT XXXX HAD TOLD ME I ASKED HIM SEVERAL TIMES IF HE WERE SURE ABOUT THIS FIGURE?? AND THE ANSWER EACH TIME WAS A CLEAR " YES. '' SO I WAITED AND CALLED THE SAME NUMBER LATER ON THAT SAME DAY ( XX/XX/2016 ) TO DOUBLE CHECK ON THIS. THE REPRESENTATIVE WOULD NOT IDENTIFY HIMSELF BUT HE INFORMED ME THAT MY MONTHLY PAYMENT WAS {$5300.00}. 
I EXPLAINED TO HIM THAT THE FIGURE HE WAS TELLING ME WAS VERY MUCH DIFFERENT THAN THAT OF WHAT I WAS TOLD BY THE PREVIOUS SERVICER AND WHAT THE SP AGENT HAD TOLD ME EARLIER IN THAT VERY SAME DAY. BUT HE TOO WAS ADAMENT IN HIS FIGURE OF {$5300.00} AND WHEN I ASKED HIM SEVERAL TIMES IF HE WAS CERTAIN OF THIS FIGURE THE ANSWER WAS A CLEAR " YES '' EACH TIME. 
SO THERE YOU HAVE IT - IMMEDIATELY OUT OF THE GATES IN THE PROCESS TO GET A GOOD FAITH REVIEW FOR A LOAN MODIFICATION SP WAS STRAIGHT UP LYING TO ME ABOUT THE MONTHLY MORTGAGE PAYMENT ( WHICH OF COURSE WOULD MAKE IT IMPOSSIBLE FOR ME TO GET A LEGITIMATE REVIEW FOR A LOAN MOD UNDER WAY ). AND SINCE THIS HAS BEEN A SERIOUS ISSUE AND SOURCE OF GREAT CONFUSION GOING BACK ALL THE WAY TO THE ORIGINATION OF THIS LOAN COMBINED WITH THE FACT THAT I HAD JUST SPENT A WHOLE YEAR TRYING TO GET A REVIEW FROM XXXX ONLY TO GET A NEVER ENDING RUN AROUND - I REALLY HAD NO CHOICE BUT TO FILE BANKRUPTCY AT THAT POINT. AND WITH IT HAS COME MANY ADDITIONAL COSTS 2 ) TIME LOST ... .IT 'S TAKING A TON OF MY TIME AND FOR YEARS NOW I HAVE BEEN WASTING MY TIME ON THE PURSUIT OF A LOAN MODIFICATION AND I REALLY, REALLY NEED FINAL RESOLUTION TO FINALLY MOVE ON WITH MY LIFE. OTHERWISE I MAY JUST XXXX. SERIOUSLY.
Product: Mortgage

I send Chase JPMORGAN XXXX online they took the cash, and XXXX online and today they have failed to apply the cedit to the account, the currently have the property in Foreclosure status.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : still reporting them as accurate you need to cease and desist this 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When are you going to shut down Experian Boost scam? How can you possibly improve your credit by agreeing to buy a product ( Boost ) from them? A credit rating is supposed to be based on a persons actual experience with the use of credit and nothing else. To compound the problem, I dont think it is any accident that they reduced my credit rating from excellent to fair without the addition of any additional information. Any chance the reduction in my rating was made to induce me to purchase Boost? XXXX consistently reports my credit rating as excellent and approximately 175 points higher than Experian. The Boost scam needs to be stopped ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification XXXX XXXX XXXX , XXXX is fraudulently reporting an account that XXXX XXXX says I owe. I withdrew from XXXX XXXX within 6 days of enrolling! It is my understanding from XXXX XXXX that only physically proven current, true, correct, complete, timely and compliant information may be  retained or reported so ANNUL BY DELETION any derogatory items deficient of this requisite physical certification of compliance to XXXX XXXX data formatted reporting regulations! At this time I am filing a complaint against XXXX XXXX XXXX , XXXX, XXXX XXXX and any credit reporting agency reporting this fraudulent information and seeking {$1000.00} per violation from each credit bureau, XXXX XXXX XXXX , XXXX and XXXX XXXX. I will be retaining legal council! XXXX XXXX XXXX , XXXX is also reporting an INACCURATE date! I withdrew in XX/XX/XXXX ( within the specified timeframe ) and the date they are reporting is XX/XX/XXXX which is UNTRUE! It is my understanding that NO entity has the right to retain, report, transfer, sell, utilize or else wise any outdated, untrue inaccurate, physically unverifiable, fraudulent, misreported and or non compliant allegations! This is CLEAR violation of the Fair Credit Reporting Act! EACH REPORT HAS INCORRECT INFORMATION!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX 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  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

The below paragraph from you Seterus, Inc. from the response of the complaint XXXX The amount disclosed on the Notice of Intent to Foreclose consisted of the XX/XX/XXXX, and XX/XX/XXXX, contractual installments each in the amount of {$1100.00} minus the funds in suspense on XX/XX/XXXX, in the amount of {$210.00} which equals the amount of {$2000.00} disclosed on the notice. As of the date of this letter, the loan is contractually delinquent for XX/XX/XXXX, installment in the amount of {$1100.00}. 

I have attached XXXX and XX/XX/XXXX Bank statements proving AGAIN I did not owe Seterus , Inc . The mortgage payments were transferred by ACH. These complaints are not about the XX/XX/XXXX mortgage that is not paid. This is about returning my money overpaid to Seterus back in XX/XX/XXXX. My bank statements are proof that I was paid to date! I am NOT going to continue to send bank statements to prove to Seterus I am paid. I do this with no one I pay! POST your ACH payments when paid and I want my money returned for the XX/XX/XXXX cashiers check for {$2000.00}. You are not going to keep my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has failed to update my credit reports with Equifax, XXXX and XXXX according to the current status of the account. I have paid XXXX current paid as agreed and my credit reports do not reflect this information. As per the data reporting on all XXXX reports, XXXX is still showing account listed as delinquent status which is not accurate. I have sent an email to XXXX XXXX of the XXXX at XXXX and her response was she forwarded over my request to update my credit files. I have not heard anything back from the company. 

I have received a statement emailed to my XXXX account reflecting no past due balance and that I am paid up to date. However no reporting was done to reflect I am paying as agreed. 

Statement has been attached for your review as supporting documents. 

As of today my credit reports do not reflect account being in a current paid as agreed status. My account with XXXX is current. 

This false inaccurate information has caused credit denials.
Product: Debt collection

Disputed these charges with rental leasing company in XXXX. 

They advised that they no longer work with this property owner and that the owner would be responsible for contacting me about the dispute. 

I never heard anything back and was never provided information as to the owners name or contact details. 

Per the law, landlords should try to resolve the issue amicably before sending the tenant to collections. I never received any notice from the owner nor from the collections agency and only knew of the debt because I use a credit monitoring company. 

The debt collector claims they called me once ( XX/XX/XXXX ) but didnt leave a message. I asked for the number they called from, but they couldnt provide it. 

They also state that they sent a single notice by mail on XX/XX/XXXX but the copy of the notice they provided did not have that date and I never received that notice. Nor was it sent to the address I provided the property management company as my return address
Product: Credit reporting or other personal consumer reports

They continue to show XXXX XXXX  as an open account past due which is incorrect Ive had my titles for months this has been paid of they say contact car company which I did and I can prove I have the title and should be closed but that is not the case and they will not fix it. They have a practice of purposely showing everyone information incorrectly and always XXXX late date in their reports. It not right they continue to provide misleading information I want all my information with XXXX XXXX corrected immediately.
Product: Money transfer, virtual currency, or money service

Mercari dent purchase to wrong address and charged me and the purchase was unauthorized I told them many times to cancel and they didnt
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened XXXX XXXX  and Equifax this A.M. to check my current scores to find that my Equifax score had dropped because of a Hard Inquiry made by XXXX. I have never applied for any form of loan from this company and never gave this company authorization to check my credit. It really disturbs me that they can arbitrarily do these things without consent from the party being researched. I would never consider this company now and I certainly would not recommend them either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

Unsolicited debt collection company called my cell phone by a private number. Did not leave number, only left a message stating that I was to be " legally '' served by original pay day lender for fraud. Then proceeded to call my sister 's cell phone number telling her that I am being sued for bounced checks from Check 'n ' Go. And that I am supposed to sign some papers by XX/XX/XXXX by a processor from XXXX XXXX in XXXX, CaXXXX There is no such company in XXXX, XXXX. Some man on the phone gives me a claim number and weird ( XXXX ) XXXX from XXXX, XXXX to call. So I am talking to someone by the name of XXXX. He proceed to tell me that I owe Check n Go XXXX plus more interest of 22 % and not the original balance of XXXX. He went on to say that if I do n't pay them that I will have my wages garnish for 1000s of dollars. And that it will appear on my public records. He then sends me an email stating that I must sign for credit card authorization to pull funds to pay down the debt of XXXX to XXXX. So, me not paying attention to my intuition. I foolishly told him my paydays and when I would be picking up my check and signs the papers back into the email. Um, I have given this third-party company my bank debt card info, they have n't withdrew any money yet from my account because there is no funds available. I have been trying to work out a payment plan with the original creditor this month so I found this pretty fishy to begin with. Anyway, I went ahead and called Check n Go and told them the problem. They told me that never sent out any legal action against me, but only sent my account to another collection agency which still had my information. They also told contact that agency who has my information.
Product: Credit card or prepaid card

On XX/XX/2018, I attempted to transfer ~100k of my membership rewards to a partner airline program so that I can book flights before a significant redemption devaluation that is coming up in a week. I was given a notification on the transfer page that my account is now under review to verify that all of my purchases " meet qualifying criteria ''. I don't have a clue what that means and AMEX has not yet given me an answer. I have spent a significant amount of money on this card under the presumption that I would be allowed to use my membership rewards without restrictions. I am currently unable to do anything with them and I have not been given any answers as to how this problem can be resolved. I am very frustrated with the ambiguity with which AMEX conducts its business and the lack of customer support when issues like this arise.
Product: Debt collection

When I contacted the company : regional finance company of New Mexico and Jefferson creditor capital systems, both companies told me they could not proceed with any further information because my name and birthdate did not match her Social Security number. It is my Social Security number! But, someone elses name and birthdate and address which is a PO Box in Arizona. I reside in Montana. The amount of the balance that is showing up on my credit is {$6300.00}. XXXX. My Social Security number was used without my knowledge. The debt owed is definitely not mine. I need help posting an alert to this fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax writer permission to furnish these accounts. 


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

This account was paid to XXXX  XXXX directly, my credit report DOES NOT reflect it as PAID and only shows it purchased by another lender. 

I called Experian and within XXXX hours the balance was removed and it showed an additional statement " transferred to another lender '' The information is not being accurately reported and should be deleted.
Product: Mortgage

Several years ago I was granted a mortgage modification from Indy Mac Bank. Everything was great. Then my loan was sold to Ocwen Loan Servicing LLc . After several months they added XXXX in past due fees from the time during my modification process. When my modification came thru I needed to pay my new mortgage payment for 6 months ( I think may have been XXXX ) and then my mod would be complete no further charges or fees. How is it possible that 3 years later there are charges. Everything was rolled into the loan and I was in good standings with Indy Mac. now I have and additional fee that I do n't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Highest Balance {$2500.00} Terms NA fair credit reporting act violation never late
Product: Credit card or prepaid card

I've had multiple issues with random fees on my Capital One card as well as my monthly payment randomly being tripled. I've tried for two weeks to contact them, and every time I call the automated message says their call volume is too high and they can not help me at this time. It then disconnects the line. They provide no email address, and their live support is not live at all. It sends you the same phone number. I have dealt with so many inconveniences with this company from the random fees to the unreachable customer service. I've had this card for years. I'm cancelling it as soon as humanly possible and never working with Capital One again. Worst finance company I've ever had to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for identity theft in XXXX of 2021. XXXX XXXX claims they investigated the claim and they denied my claim based on their investigation. I have yet to receive the names and numbers of the agents and anyone contacted in regards to the investigation as stated in FRCA. Additionally, upon review of my credit report, I noticed this is an Auto Lease, per TILA leases are not permissible for automobiles and instead an installment credit sale waste be the basis of the initial transaction which I did not initiate. XXXX, a debt collector, is now charging-off monthly a disputed debt and ignoring to apply payment with my direction. I did not initiate a transaction, nothing has been loaned to me and I have not received any goods.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -or- Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Victim Assistance Department XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Sir XXXX Madam XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Please remove the following names from my credit report XXXX XXXX, XXXX XXXX, XXXX Bank, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. 

Please remove the following inquirieXXXX 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 


Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Identity Theft Report Proof of identity : a copy of my drivers license Fair Credit Reporting Act Section 605B [ PDF ]