23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was lay-off of my job but I found another job shortly after .... However, the new job paid less money. Before I get be hide on my mortgage I contacted my mortgage company and explained my situation and asked for a modification. I was told by the mortgage company that I had to be at least 3 months be hide before the could do anything for me. After my savings were gone which was months later I filed for a modification. I sent in all required documents and made all three trail payments. After that I was told by my account manager that I had completed everything that I had to do and now the underwriters had to process the modification. I called every month to get an update. Finally, I was told to make two payments to bring the mortgage current and my modification would be finalized. I made the two payments and called the mortgage company back in two weeks. At that time my account manager informed my that he had giving me the wrong information. I was told that I had to pay over 20K ( the arrears ) to bring my mortgage current or loss my home. I wrote upper management and explain the issue. Management was extremely rude to me. And now I an in the process of losing my home. This entire experience has been long, hard, misleading, stressful, inhumane, unethical and unprofessional. I hope that no-one never has to go through this awful experience from Bayview Loan Services LLC. This mortgage company needs to be accountable of their mistakes. Because the way they do business is negatively effect hard working people 's lives in a major way.
Product: Mortgage

Due to missed payments on our mortgage, we applied for a loan modification to XXXX XXXX  in mid XXXX The application was being processed, and had gotten to the point at which ALL DOCUMENTS WERE RECIEVED, and the process was moving forward. We kept checking in with XXXX XXXX and they kept saying nothing else was needed. Then close to the end of XXXX, we checked again, to be told that our loan was being transferred to RUSHMORE LOAN MANAGEMENT, and they can not give us any information. I called Rushmore, and they informed me that they do not have all the documents from the prior Servicer, so we would have to wait. We were advised by Rushmore, that the entire transfer process takes 30 days. We still kept calling and for about 3 weeks, were still being told that they dont have all the documents from XXXX XXXX and we still have to wait. All THIS TIME WE WERE SHUT OUT OF THE PROCESS, THERE WAS A PENDING SALE DATE OF XX/XX/XXXX! 

Then someone called us back from Rushmore and asked us to resend the documents to them, as they still did not get all the documents from XXXX XXXX. They also asked us to send the insurance declaration page. We sent all the documents they requested, BEFORE the 37 days window! Then I called this morning to follow up on the modification, and was told that the process was closed out because they did not get the documents requested. The agent did confirm that they received the documents we sent BEFORE the 37 days window, but says he did not see the insurance declaration page, so they closed it out because they didnt see that page. Fact is, we sent the declaration page, which apparently didnt transmit properly, which is normal, when sending documents. They could have told us they didnt get that one document and I would have immediately resent it. I asked the agent if the bank had called to inform us that that page was missing, or even sent a letter, and HE REFUSED TO ANSWER THAT QUESTION. 

So now, why should we stand the consequence of the BOTH banks delaying our modification process, with a sale date pending??? We called many times but none of the banks were able to give us any info, because of the pending transfer, and we were told they needed 30 days. The time lost during the transfer should have been given back to us, by extending the sale date. THIS IS NOT FAIR.
Product: Bank account or service

Bank of America placed limitations on my account. Refused to settle terms under the Mines and Minerals Act as the XXXX intermediary for XXXX. I have sent a International wire transfer to ; XXXX : XXXX, Bank of America N.A.,XXXX XXXX, XXXX XXXX NY XXXX. Account number XXXX ; XXXX number:XXXX ; XXXX : XXXX, XXXX.
Product: Debt collection

Ive sent 2 letters asking for proof that this is my account but only received my name and emergency information Info but no signatures or any original documents. I want to see a discharge paperwork or some kind of signature proving that the debt is mine.
Product: Bank account or service

I have recently been in discussion with a TCF rep and it was revealed that I have paid over {$1500.00} in fines since XXXX XXXX, 2015. No money was able to be returned to me. This is excessive and they way they post transactions is predatory, forcing some items to overdraw and then collecting on the menial transactions that happen after. I would like most ( if not all ) of my money back.
Product: Credit card or prepaid card

On XX/XX/2021, two fraud charges came in to my card from in store in XXXX. I was in Alabama. I promptly reported fraud to my citi card. They shut my card off and mailed me a new one. They then failed to flag it as fradulent activity. I called again today and inquired why it wasnt taken off and was in fact on my bill and Citi had no explanation. They then verbally berated me when I said their mistake was in violation of consumer finance laws. The charges were for XXXX cents and {$8.00} for XXXX. A company I have neither heard of or ever used.
Product: Debt collection

Request to validate debt was sent to the company ( Knight Adjustment Bureau ) on XX/XX/21. The company has failed to respond and continues to report debt as accurate to credit bureaus.
Product: Credit reporting or other personal consumer reports

Account Name : SYNCB/PPC Account # : XXXX I'm writing to bring to your attention a troubling issue involving SYNCB/PPC and the XXXX credit bureaus XXXX, Equifax XXXX and XXXX. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from XXXX, Equifax, and XXXX? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy. 

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with XXXX, Equifax, and XXXX immediately, in accordance with the FCRA and CFPA. If XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused.

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

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

There are accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, XXXX XXXX did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15.

Unless your consumer reporting agency is able to provide me, XXXX XXXX who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for the creditors response before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are being disputed, especially since I, the consumer DID NOT request for these accounts to be disputed, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15. 

The fraudulent accounts that need to be blocked are listed below. 

XXXX XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX US DEPT OF ED Account # : XXXX XXXX Account # : XXXX
Product: Debt collection

Multiple people claiming to be from Universal Recovery Corporation have called me and my husband repeatedly harassing us about collecting a debt that is not mine. They say that I owe XXXX XXXX to a XXXX XXXX XXXX XXXX XXXX California for service date XX/XX/2022. I have never been to XXXX or this hospital and have never incurred this debt. They have a mailing address attributed to me that is not accurate but they claim that they have my correct date of birth and social security number. They also know my husbands name and have contacted him directly too. When I told them that they had the wrong person they were rude about it. They said a private investigator gave them my work phone number. When I asked them to send me details of the claim they said they would but have not done so so I do not have other details of the supposed debt. They called repeatedly a few months ago and once I was able to have them tell me more of the details and they confirmed the date of birth and social security number were not mine so the person I talked to said he would handle it and close the complaint. Now I am getting calls from a different person saying that the DOB and social are mine.
Product: Mortgage

I have a home loan through Flagstar ( loan number XXXX ) and also have an escrow account in which they are to pay for my insurance and taxes. I have a homeowners policy through XXXX and a hazard policy through the XXXX XXXX XXXX XXXX XXXX ) I received a letter from Flagstar dated XX/XX/XXXX that my hazard insurance through the XXXX had been canceled, I needed to get hazard insurance immediately and they were going to charge me a daily fee for lender provided insurance until I to got insured. 

XXXX XX/XX/XXXX at XXXX I called and spoke to Flagstar XXXX XXXX ). XXXX told me that they never received any premium information from the XXXX and that is why it was canceled. XXXX said they made 2 attempts to contact the XXXX, once by phone and once by fax. XXXX said that when they call an insurance company if they dont answer within 5 minutes they hang up and log it as an attempt. 

I asked why Flagstar never contacted me. He said it is their policy to deal with internally and dont contact the customer until the policy is actually canceled. Therefore, Flagstar made no attempt to call me, nor did Flagstar call the direct line to my insurance agent that is listed on the XXXX premium, who manages the XXXX insurance. They had this information but never called. 

I called and spoke to XXXX XXXX XXXX XXXX ( XXXX ) who stated XXXX did mail both my XXXX premium and my XXXX premium to Flagstar. XXXX provided me with both premium statements and the XXXX premium was dated XX/XX/XXXX. XXXX also told me that he could not just pay the XXXX renewal fee and instead had to start the application all over again and it would take XXXX weeks or more to get a quote. 

I called back and spoke to an associate who transferred me to Manager XXXX XXXX ( XXXX ). XXXX told me there was nothing he could do to waive the fee, making sure the premium is paid is my responsibility and there was nothing he could do. 

I told him the about the information provided by XXXX that XXXX sent both the XXXX premium and the XXXX premium at the same time to Flagstar. However, XXXX was persistent this is all my fault, Flagstar did nothing wrong and they wouldnt do anything to waive the lender provided insurance fee.

I would like Flagstar to waive the lender provided insurance fee for the following reasons : XXXX mailed them the XXXX premium info on XX/XX/XXXX and they failed to pay, Flagstar failed to call my XXXX agent who they had a direct phone number to, and Flagstar made no attempt to contact me to inform me of the issue.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been a victim of identity theft.. XXXX XXXX XXXXXXXX  from XX/XX/XXXX to XX/XX/XXXX. I have accounts on my consumer report that I have no knowledge of.. I had filled out an FTC identity theft report with the accounts attached.. I need these accounts removed of my credit file. The accounts are.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove old addresses, old name variations, and other information from my credit profile but the bureau doesnt remove the data. Per FCRA Section 623 ( a ) ( 1 ) ( C ) A Credit Bureau can not report information the consumer has told them is inaccurate. All old addresses and information needs to be removed from my credit profile due to being inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE COLLECTION ACCOUNTS THAT APPEAR ON MY CREDIT REPORT DUE TO IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect personal information that is reporting on my credit file. I have tried to dispute this incorrect information with the credit agencies. Please assist me in getting this incorrect information removed from my credit profile. 

Incorrect Names : XXXX, XXXX, XXXX  Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Despite making the payment on time, it was incorrectly recorded as late due to a processing delay on the creditor 's part. I have attached copies of my bank statements that clearly show the payment was made before the due date. 
Evidence provided : Bank statements showing timely payment. 
Correspondence from XXXX XXXX confirming the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I have been the victim of Identity Theft twice in the past two years. I am an emeritus professor of economics, semi-retired, currently living ( temporarily ) in XXXX, but with close ties and citizenship in the United States. 

My credit record has always been flawless and I have never missed a payment on anything! However, my FICO score today is only XXXX. It had always been very high before this sudden string of identity theft incidents, all occurring within the United States.. 

I reported the problem to XXXX, and after two months of continuous communication, they sent me very positive results. However, they left the addresses and some traces of the fraudulent actions in my record. It also appears that they have not reported this problem to other agencies, as I believe they are supposed to do. Perhaps that is the reason why my FICO score remains so low today. 

I appreciate any help you may offer. Thank you in advance. 

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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect XXXX : - XXXX Employer - XXXX XXXX  XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries that are being challenged XACTUS - XXXXXXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

On XXXX I submitted a dispute letter to XXXX stating that this alleged account is not only reported as a opened account but also shows a balance but to also send me proof that the alleged debt is my debt also I know that its illegal for any credit agency to report a closed account as open and show a balance and this is a violation with the fair credit act and is also a violation with the requisite Metri 2 complaint