23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX or XXXX of 2024, my XXXX loan was sold to Shellpoint ( New Rez ). The terms of my loan are 20 years no interest per a modification completed by the original mortgage holder. Through all of the sales of my mortgage to mutiple companies, I have never had an issue with a company honoring the original modification until now. Starting in XXXX or XXXX when Shellpoint originally took over the loan, they honored the modification of no interest. In XX/XX/year>, they started charging compound interest. I contacted Shellpoint and was met with multiple calls of condescending conversations trying to tell me that interest should have been charged from the beginning. I finally called back and spoke to another representative who finally asked for the modification documents, which were uploaded to their portal as requested in XX/XX/year>. To this date, I am just receiving letters stating they are working on it with no resolution or change to my account. As of last week, I was sent a XXXX document stating interest was paid when in fact, it was not and is being disputed. I have continued to pay the amount agreed per the modification and not the interest they are charging.
Product: Debt collection

CREDITOR AND LAWSUIT INFORMATION Creditor : XXXX XXXX XXXX XXXX XXXX  ( Attorney : Weltman , Weinberg & Reiss Co., XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ; Telephone : XXXX ; Email : XXXX ) Filed XXXX arbitration lawsuits with the XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX  ) Case XXXX : Filed on XX/XX/XXXX for {$12000.00} plus approximate cost of {$400.00} Case XXXX : Filed on XX/XX/XXXX for {$14000.00} plus approximate cost of {$400.00} MY XXXX INFORMATION I filed XXXX XXXX bankruptcy with the XXXX XXXX XXXX Virginia, with a XXXX date of XX/XX/XXXX. 

The XXXX debts listed above were XXXX in this bankruptcy. Both XXXX debts were private, direct to consumer loans that exceeded the cost of attendance. The loans are dated from XXXX and XXXX, respectively. 

CREDITORS LACK OF COMMUNICATION REGARDING DEBT Please note that at no point between the bankruptcy XXXX on XX/XX/XXXX and the filing of the first arbitration lawsuit on XX/XX/XXXX, did the creditor or their attorneys attempt to contact me about what they deem to be an outstanding debt. I did not receive anything via mail, email or phone regarding this or any other XXXX debt. No attempts to collect this debt or otherwise communicate with me were made before filing the lawsuit in question. 

CONTACT WITH CREDITORS ATTORNEY I have attempted to notify the attorney for the creditor regarding the XXXX debt by phone on multiple occasions. They did not return any of my phone calls. I also provided a copy of the Order of Discharge ( Form XXXX ) via email on XX/XX/XXXX. I did not receive a response beyond the automated receipt response. Finally, I personally handed a copy of the Order of Discharge ( Form XXXX ) to the creditors attorney during court proceedings on XX/XX/XXXX. Again, no one responded via phone or email. 

FILED MOTION TO QUASH SERVICE OF PROCESS I filed a Motion to Quash Service on XX/XX/XXXX, disputing the receipts of summons, as I do not believe the Plaintiff/Petitioner followed proper procedures for serving me with the summons and complaint. Service of summons was not made : ( XXXX ) by leaving a copy of the summons with me personally, ( XXXX ) by leaving a copy at my usual place of abode with a family member of the age of XXXX or upwards, or ( XXXX ) by informing me of the contents of the complaint/petition. I requested that all proceedings be suspended until I receive proper notice and documentary evidence from the Plaintiff/Petitioner. The Motion to XXXX was denied on XX/XX/XXXX, despite the creditors attorney stating that I was served via substitute service at my parents ' residence and providing to the Judge a physical description that did not match that of either parent. 

CREDITORS CONTINUED FAILURE TO PROVIDE A COPY OF THE COMPLAINT The creditors attorney verbally informed the Judge on XX/XX/XXXX that they would mail me a copy of the complaint. They have still not done so. As of XX/XX/XXXX, I have not received proper notice or details regarding this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been tiresly fighting months at a time to get these accounts that were never verified nor authorized by myself removed from my credit report, these accounts is making my life all the more challenging. I have written letters and have reached out to the companies associated with these accounts and no one has yet removed these unauthorized accounts from my credit report! I have filed a police report and will be taking additional measures to securing myself and financial reputation from such fraud activity!
Product: Credit reporting or other personal consumer reports

Recently, i looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. Its my understanding that transunion will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate. 
XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

This is my thir complaint against Experian for reporting inaccurate and misleading items on my credit report without my permission. I filed a complaint in XXXX to which Experian responded they needed identifying information which was sent. Now I am attaching a signed affidavit with my original and new requests for them to NOT share non public information that I do not consent to. If this matter can not be resolved I put Experian on notice of my wish to resolve this in arbitration. I have sent via the CFPB WRITTEN instructions for them to remove accounts and they continue to willingly be negligent in reporting this information.
Product: Debt collection

I open account back in XXXX  when I initially opened the account I was told for two lines that it would be {$120.00} once I got the account. My phone bill was running like {$300.00} every month. I didnt understand how I explained to them that the service was way too much. I didnt understand how did my bill go from $ XXXX {$300.00} at that point I canceled service I was told my last bill and everything would be in the mail I never received nothing for the last eight years. I have been trying to get this removed off of my credit report. They have been reporting in accurate information. They have been selling my information to other agencies and it has my score down for the last eight years, I have reached out to them several times I have done direct dispute with XXXX XXXX and they keep reporting this almost 9 years old account that is not valid
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address a matter of great concern : identity theft and its impact on my credit report. It has recently come to my attention that fraudulent activities have occurred using my personal information, leading to negative information being reported on my credit profile. 

I am deeply distressed by this discovery as it jeopardizes my financial standing and creates an unjust reflection of my creditworthiness. I am taking immediate action to rectify this situation and request your assistance removing the inaccurate and unauthorized negative information from my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate and fraudulent information on my credit report resulting from identity theft. Enclosed with this letter, you will find supporting documents that substantiate my identity theft claim, including copies of the police report and any other relevant evidence I have gathered. 

Please note that time is of the essence in rectifying this matter, as it directly affects my ability to secure credit, loans, and other financial opportunities. I kindly request that you expedite this process to minimize the adverse impact on my credit standing. 

Thank you for your immediate attention to this matter. I trust in your professionalism and expertise to handle this situation with the utmost diligence and efficiency. I eagerly await your response and the positive resolution of this identity theft incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into a company to purchase a car with a check in my hand from my credit union I dont know why the other company are on my report. I made Several attempt to have them removed off my credit report they told me I had to write a letter and then write to the credit bureau to have it remove why I have to write to credit bureaus when they did this without my permission.
Product: Credit card or prepaid card

When i requested a transfer of a merchant credit from 1 american express card to another, bank made a mistake and withdrew over {$900.00} from my account without notifying me or obtaining my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fedloan Servicing does not keep up to date accurate records for accounts serviced. I sent Fedloan a letter to exercise quite verify balance and accounting information. I requested the original contract with signatures and they had 30 days to reply. I have not received any documents from the services with original contract. The amount that is being reported to the credit bureaus in inaccurate and larger than the original loan. Also they are reporting multiple late payments that are inaccurate. Please assist in remedying the situation. Per fcra the information reported should be accurate or deleted.
Product: Checking or savings account

Despite numerous attempts to comply with Bank of America and not have our tenant 's security deposit escheated to the State of NJ, the account was escheated to the State of NJ and now we can't find it anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$3200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$950.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1300.00} ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

A Cashiers Check in the amount of {$21000.00} dated XX/XX/year> was mailed to Goldman Sachs Bank on XX/XX/year>. This check was cashed. When Goldman Sachs applied the payment credit to my outstanding credit card balance, they only applied {$2100.00}. Theres currently {$19000.00} unaccounted for. I reached out numerous times in order to have this grotesque level of negligence fixed. I was left with diminished effort by customer service and advised this would be reviewed. I was then told I would only receive an email of their decision/findings after 10 business days. This is unacceptable! A mistake of this magnitude should receive high priority in order to immediately rectify their mistake, and currently theres zero displayed urgency or concern over this matter. Thus resulting in continued interest on a phantom amount of an outstanding balance that should no longer exist. This level of gross negligence is exactly why this financial institution was just recently forced to a settlement in the amount of {$89.00} XXXX dollars due to this type of displayed negligence in the realm of payment mishandling. My family has large bills due throughout the middle and end of the month, and if this isnt appropriately corrected in an expedited fashion, this could result in financial troubles for my for my family. This would be the result of their ineptitude, high level of gross negligence in this matter and overall lack of a sense of urgency to fix their mistake at the expense of my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 15 U.S. Code 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose. 
XXXX XXXX XXXX/ XXXX CREDIT CARD ACCOUNT # XXXX XXXX XXXX XXXX on XX/XX/2022 I contacted XXXX XXXX XXXX about my hardship cause by XXXX I spoke to a agent she promised me that the late payment would be remove and late fee due to the CARES ACT. 
upon reviewing my consumer report on XX/XX/2022 I seen that my account was flag for a late payment from the credit card company. ive then attempted to contact the company and ask why this was being reported, I told her this information was inaccurate because I was promised that the late payment would've been remove and late fee wave the lady told me all that was done was the late fee and she cant help me because I would've to contact the consumer reporting agencies to file a dispute to have it remove I have since contacted the Experian, XXXX and XXXX all 3 of those companies undated my file XXXX accurate, I called XXXX XXXX XXXX/ XXXX CREDIT CARD for the 10th time and that's when the chaos started with they agent being rude and hanging on my face telling me there's nothing they can do! I'm reaching out to the CFPB and OCC to help me with this matter.
Product: Debt collection

The are placing and removing the collection on my account to damage my score the are also continuing to raise the amount of the collections. The collections was placed on my account last year in 2023 on the date of XXXX XXXX they then proceeded to contact me and harassing me to pay the collections off or the would continue to place and remove from my credit to damage my score the collections was removed from all of my credit profiles and only placed back on my XXXX. This was removed on the date of XXXX they XXXX they the. Proceeded to place the collections back on my XXXX credit report on XXXX and they have been raising it ever since the are damage my report over and over again and they only have it on XXXX XXXX is not matching up and the continue to harass me
Product: Bank account or service

the " loan '' was induced by fraud. As there was not full disclosure to the material fact ( s ), In order for any contract to be valid, there must be 'full disclosure ', 'good faith ', 'valuable consideration ', and 'clean hands '. Which amounts to ; 18 U.S. Code 656 - Theft, embezzlement, or misapplication by bank officer or employee. 

1 ). I was not told that the Federal Reserve Policies and Procedures and the Generally Accepted Accounting Principles ( GAAP ) requirements imposed upon all Federally-insured ( FDIC ) banks in Title 12 of the United States Code, section 1831n ( a ), PROHIBIT them from lending their own money from their own assets, or from other depositors? The bank did not tell me where the money for the loan was coming from. 

2 ). I was not told that the contract I signed ( promissory note ) was going to be converted into a 'negotiable instrument ' by the bank and become an asset on the bank 's accounting books. Further the bank DID NOT tell me that my signature on that note made it 'money, ' according to the Uniform Commercial Code ( UCC ), sections 1-201 ( 24 ) and 3-104. 

3 ). I was not told that my promissory note ( money ) would be taken, recorded as an asset of the bank, and be sold by the bank for cash - without 'valuable consideration ' given to obtain my note. The bank did not give me a deposit slip as a receipt for the money I gave them, just as the bank would normally provide when one makes a deposit to the bank. 

4 ). I was not informed that the bank would create an account at the bank that would contain this money that I created by endorsing the promissory note. 

5 ). I further was not informed of the material fact that a check from this account would be issued with my signature, ( 10 U.S. Code 923 - Art. 123. Forgery ), and that this account would be the SOURCE of the funds securing the check that was misrepresented to me as a " loan. '' 6 ). Money is created on deposit, where the amount of the initial deposit is hypothecated XXXX in what is called " money multiplier. '' 7 ). " Fraud destroys the validity of everything into which it enters, '' XXXX v. XXXX, XXXX XXXX XXXX.
Product: Mortgage

Attached you will find pdf copies of 3 loan disclosures : 1. Issued on XX/XX/XXXX ( Loan Estimate Redisclosure Package ) It states my loan amount as XXXX and Interest Rate of 4.25 % Under projected payment, it listed my mortgage insurance from Year 1-7 as $ XXXX/Month and Estimated total Monthly Payment as XXXX 2. The next disclosure I got was on XX/XX/XXXX ( Initial Closing Disclosure ) It states my loan amount as XXXX and Interest Rate of 4.25 % Under projected payment, it listed my mortgage insurance from Year 1-7 as $  XXXX/Month and Estimated total Monthly Payment as XXXX Between XX/XX/XXXX and XX/XX/XXXX, I did not receive any other update on my loan estimates My closing was on XX/XX/XXXX and I was being told 6 days before the closing that my mortgage payment has increased by XXXX $ /month I escalated the issue to the loan officer and they informed me that it was a mistake on their part. I lodged a formal complaint about why I am informed of this change 6 days before the closing date and this feels like a being held hostage and leaving me no option but to comply and pay this extra amount for the next 7 years. Over a period of 7 years, this is an extra {$7000.00} that I am being penalized for 3. 

I lodged a formal complaint and then 3. On XX/XX/XXXX I received another disclosure which made the mortgage insurance again XXXX. I assumed that they have corrected the issue and so I went for the closure At the title company, there was no representative from the bank and the title company documents showed the mortgage insurance back to XXXX/month. At that time the only option I had was to either not sign the documents and lose the house ( at this time I had already given notice to my apartment company that I would be vacating my apartment by XX/XX/XXXX, so not getting the house would have put me on the streets ) All of this experience left a really bad experience about Suntrust in particular and banking in general. As per the fair lending act, the lender should disclose all payments correctly and not throw any surprises at the 11th hour. On top of that when they admitted a mistake they tried to hide it by sending me a 3rd disclosure informing everything has been corrected. Now someone can say XXXX $ is only 2.67 % of the monthly payment and I can always pay another 10 % in principal and stop the mortgage payment. To that I would like to counter where do we draw the line and stick to the principles of it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX, XXXX, TransUnion ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Checking or savings account

I got a text impersonating my bank ( Wells Fargo ) for an unauthorized transaction for XXXX at XXXX XXXX XXXX. I was provided a number to call to dispute the transaction. But this is a scam. They asked for all of my card information including number, pin, zip and ss. After reluctantly calling and giving my information. I called wells fargo to check if it was them and they let me know they did not try to reach out to me. I ended up having my card cancelled by Wells Fargo over this Fraud transaction and interaction. The alert came in the from of a text from email XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to CAVALRY PORTFOLIO SERV due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several inaccurate accounts on my consumer credit report.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Removal of Fraudulent Hard Inquiry on Credit Report Dear CFPB, I am writing to file a complaint regarding a fraudulent hard inquiry that appeared on my TransUnion credit report on XX/XX/year>. Despite contacting both TransUnion and XXXX XXXX where the inquiry originated, I have received no assistance in resolving this matter. 

This unauthorized hard inquiry is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681b ( f ) : Permissible purposes of consumer reports. This statute requires that a hard inquiry must have my explicit authorization or be initiated under permissible circumstances. I did not authorize this inquiry, and it was made without my knowledge.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Reinvestigation of disputed information. TransUnion has failed to properly investigate and correct the inaccurate information despite my dispute. 
15 U.S.C. 1681n & 1681o : Civil liability for willful or negligent noncompliance. If TransUnion or XXXX XXXX  knowingly fails to address this issue, they may be held liable for damages. 

I request your intervention to ensure the immediate removal of this fraudulent hard inquiry and to hold the responsible parties accountable for their noncompliance with federal law. This issue has caused undue stress and poses a risk to my financial standing. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

closed my High Yield Savings account with SYNCHRONY BANK on XXXX XXXX, XXXX as of today, XXXX XXXX, I have not received my money. Called the bank several times and apparently the check was sent out on XXXX XXXX. I received a confirmation letter stating the account closed.
Product: Debt collection

On XX/XX/2019 a derogatory mark was added on my credit report per XXXX XXXX from FIRST FEDERAL CREDIT and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.