23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian heretofore ( XXXX  ) has stolen my identity and According to the Fair Credit Reporting Act ( 15 USC 1681 ) and the Gramm-Leach-Bliley Act ( 15 USC 6802 ), ( XXXX  ) is required to adopt reasonable procedures to ensure that the information on my consumer report is accurate, fair, and equitable. However, I have recently discovered that ( XXXX ) has used my identification document ( Social Security Number ) to produce unverified and inaccurate information on my consumer report for profit, without my permission or authority, in violation of 15 USC 1681 ( c ) ( 2 ) .Furthermore, ( XXXX  ) has been violating my privacy by reporting fraudulent information without my consent or permission, in violation of 15 USC 1681b ( c ). According to the Fair Debt Collection Practices Act ( 15 USC 1692a ( 4 ) ), I am the creditor and can not be in debt to a debtor. Furthermore, according to the National Bank Act ( 12 USC 83 ) and the Federal Reserve Act ( 12 USC 1431 ), banks can not loan its own money or credit. Therefore, the false information that is being reported by ( XXXX ) from banks and alleged creditors on my consumer report is not true and lawfully correct. ( XXXX  ) does not have a signed SSA 89 form, on fie to use my social security number or report my private information, in violation of 15 USC 1681b. As a result of ( XXXX ) fraudulent and inaccurate reporting practices, I have suffered severe stress and anxiety.
Product: Mortgage

I refinanced my mortgage with CMG Mortgage Inc. on XXXX XXXX. At the time of the refinance, {$5200.00}, net of an aggregate adjustment of {$1000.00}, totaling {$4800.00} of initial escrow deposit was collected from me to pay the property taxes of {$4300.00} that were due on XX/XX/XXXX. CMG never paid those taxes on my behalf, nor did I receive the funds to pay them myself. Around early XXXX, CMG sold/transferred the loan to XXXX. I tried to call XXXX prior to contacting CMG and I just kept getting transferred to multiple people that would tell me that no tax payments were made. I contacted CMG in XXXX regarding the missed tax payment and they told me the " Loan has been sold/transferred ... CMG no longer has access to the account .... CMG has no funds ''. At the time of transfer, CMG noted that {$4800.00} plus {$860.00} ( from my XXXX mortgage payment ) totaling {$5600.00} was transferred to XXXX. Upon logging into my account with XXXX, this total was not reflected in my escrow account at transfer and was {$1700.00}, about {$4000.00} less than it should have been. As CMG would not take accountability or help me rectify the situation, I then contacted XXXX on XX/XX/XXXX. I was notified that I needed to submit the delinquent tax documentation to them. I sent the required documentation to them on XX/XX/XXXX. XXXX has since paid my delinquent taxes, but my escrow account went into the negative. XXXX has done research and noted that they only received {$1700.00} from CMG. I have corresponded with CMG through email and calling no less than 8 times, to request a copy of my documents involved in the sale of my loan to verify the full {$5600.00} of my escrow was in fact sent ... only to be told that I would hear back within 48 hours. I have yet to hear back and it has been over three months.
Product: Mortgage

My original mortgage was executed in XXXX XXXX, and within a month it was sold to Wells Fargo Home Mortgage. We have experienced an increase of {$400.00} per month in our house payments since that time. Wells Fargo claims that all of the increases have been because taxes or insurance have gone up or " the State of Texas is requiring more padding. '' Every year we go to the appraisal district and have kept our taxes basically where they were in XXXX. Our insurance did increase a large amount with the XXXX XXXX, renewal because the company left the XXXX umbrella. We now have a new insurance company and the price dropped over {$600.00} each year. 
In XXXX XXXX, I inquired with Wells Fargo about paying my own taxes and insurance and they were amenable to that at that time but we decided to wait until my Trust Fund would become available at the beginning of XXXX. I immediately called Wells Fargo to let them know that we wished to begin paying our taxes and insurance and they told us FIRST that the FHA did not allow that and when I referred them to the RESPA website, which clearly indicated that there was NOT a FHA requirement that escrow must be held by the mortgage company. Then they claimed that it was their personal policy. I responded by stating that there was nothing in any of my loan documents that indicated that I could not elect to pay for my own taxes and insurance and in fact there was an election that enabled me to choose what I preferred at the time the mortgage was closed. After this discussion, I was referred to an " executive mortgage '' consultant who said that she would see if they could " relax their requirement '' in our case. A week later, she called back to let me know that they could not. At that time I informed her that I had gotten new homeowner 's insurance and that I would be taking care of that personally. She was not happy and this time she tried to use the excuse that FHA required that I have an escrow account. Again, I referred her to the RESPA website and then, just as the other agent did, she said it was Wells Fargo 's policy! I was flabbergasted and held my ground by telling her that the insurance had already been paid for and that I would need that amount removed from my payment and that they would also owe me for the insurance accrued in my escrow account. She didnt respond and the call was ended. Here we are a week later and my escrow account and house payment have not been corrected to reflect the removal of the insurance charges. Wells Fargo is creating excuses to retain escrow amounts for their own financial purposes.
Product: Credit reporting or other personal consumer reports

I have filed numerous disputes to a multitude of incorrect and flat out wrong information on my credit report. Then they send me a letter saying they believe someone else is doing this so its not being investigated. 
The grotesque errors they refuse to investigate or fix on my report are causing me severe and undue harm and emotional distress. 
I demand the information be removed immediately.
Product: Debt collection

Received a letter from a lawyer offering to represent since XXXX XXXX was being sued. After researching with the clerk of the court discovered that XXXX XXXX, on behalf of Citfinancial XXXX was suing. Citifinancial has illegally re-aged the date of first delinquency through deceptive practices. They NEVER sent an invoice for years yet they were drafting from XXXX XXXX 's bank account {$50.00} each month. After numerous demands for statements XXXX all thise will be attached XXXX Citifinancial gave a run around include saying the account did not exist. When statement copies were finally received it was discovered that the {$50.00} a month did not even cover the interest each month, so this would have been paid on forever. Also Citifinancial was reporting this to the credit bureaus as charged off and not reflecting that any payments were being made on it at all. 
After careful research it is clear that numerous Federal laws were broken ( see attached letter sent to XXXX, The XXXX Court, and the attorney XXXX ). 
Payment was immediately stopped to them. 
Texas XXXX XXXX XXXX stipulates the statute of limitations. This is outside of the statute as they illegally re-aged every time they took a payment. The date should be the date of first delinquency with Citifinancial. Not the date they kept taking the {$50.00}. 
Additionally by not providing a periodic statement The Credot CARD Act of 2009, Fair Credit Billing Act, and Fair and Accurate Credit Transactions Act are all in violation. Due to inaccurate reporting to the credit bureaus, The Fair Credit Reporting Act is in blatant violation.
Product: Student loan

My recertification date listed on my studentaid.gov site lists XX/XX/XXXX as my recertification date for my income driven repayment plan. Per the guidelines listed on the studentaid.gov site, the earliest you could be required to recertify is XX/XX/XXXX. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year.. Mohela is insisting that I need to recertify my income now which is outside the Federal guidelines. I have reached out several times to Mohela to no avail. Please assist me with getting my recertification date extended to XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2019, I tried to open a new savings account with Vio Bank ( additional name or website for MidFirst Bank ). After completing the steps for the application and providing all my personal information, a page opened telling me that they were unable to process my application and provided a number for me to call ( XXXX ). I called the number and spoke with a representative where I provided my name, the last four digits of my social security, and my date of birth. I inquired about why my application could not be processed and I was told that they would not provide me any explanation. I called again and was once more told that they would not provide me with any explanation for why my application could not be processed. I asked to speak with someone else about the matter and they refused. Left with no other option, I hung up.
Product: Debt collection

In XX/XX/2022 my refrigerator compressor stopped working I called XXXX XXXX XXXX XXXX which has contract w whirpool for repair, they said there will be XXXX diagnosis fee and it will be deducted from repair cost. Technician said compressor is not working and wanted XXXX for repair. compressor was under warranty for XXXX years and the refrigerator had worked for just XXXX years. They didn't do the repair under warranty and wanted XXXX for repair of compressor. After XXXX month playing tricks with me for not doing the job under warranty I bought a brand new of the same refrigerator for XXXX from whirpool. Because I called them for the repair under warranty, not just for diagnosis and they didn't do that I didn't pay diagnosis fee and went overseas to a country, XXXX, which has no banking and telephone relations with XXXX despite me sending them emails that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they imposed and imposed late fee to that XXXX, diagnosis fee and now they want XXXX ( through collector named TSI ), for XXXX diagnosis fee and the rest of it is late fee .I paid the collector diagnosis fee which was XXXX $ and initiated a dispute for late fee which is completely unfair because I've been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I couldn't send money .I even couldn't call them from there .but I sent them several emails then and explained my situation but they were not listening and go on and on over late fee. 
I have paid diagnosis fee wo them doing their job ( to the collector, ) which was repair under warranty since they had contract XXXX whirpool.but late fee is not fair.like ur child is sick and u take the child to the doctor u don't want just diagnosis u want diagnosis and treatment .what was the use of that diagnosis wo repair which they didn't do it.
Product: Debt collection

On these date, this company opened theses collections XX/XX/2021 Account # XXXX, XXXX $ XX/XX/2021 Account # XXXX, XXXX $ XX/XX/2021 Account # XXXX, XXXX $ XX/XX/2021 Account # XXXX, XXXX $ XX/XX/2021 Account # XXXX, XXXX $ I never signed and written document saying I owe these debts to this collector. 
They are violating my rights of the FCRA and my Hipaa rights as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe these debts to these alleged company. 
Please have all these removed from all 3 credit bureaus. 

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

My complaint is regarding XXXX XXXX XXXX. They placed an unauthorized inquiry on my Equifax and XXXX credit reports on XX/XX/2020, and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) 06 & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Debt collection

This has been a debt since 2016 and its still on my credit report
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found these fraudulent inquiries i don't recognize. Please remove from my credit report 1. Account Name : XXXX XXXX XXXX XX/XX/2024
Product: Checking or savings account

From XX/XX/year> to XX/XX/XXXX there were XXXX unauthorized charged to tik tok from my checking account. I unfortunately do not check my account unless I have reason to, and was not made aware of these charges. I filed a claim on XX/XX/XXXX with Wells Fargo for a total of XXXX dollars. After XXXX business days I had never received any kind of call or email about the claim progress or asked for further information. The claim was adjusted to XXXX dollars without contacting me. I could not get ahold of the bank to adjust this before the claim was closed and denied on XX/XX/XXXX, due to the fact that I had authorized the charges and my claim was closed permanently. I tried to reach a claim XXXX for further information about my claim, and I was told to be patient, and that Wells Fargo would reach out to me. Wells Fargo told me that their technical team could see that I had access to my account and I was aware of the charges. I had recently moved out for the first time at XXXX  years of age and I admit to having a bad habit of checking my bank statements and balances. I do not claim my lack of knowledge of my account activity to be considered authorizations for any tik tok charges. After the charges I had less than XXXX dollars left in my account.
Product: Checking or savings account

CAPITAL ONE 360 Account # : XXXX, Open Date : XX/XX/2022. Account closed and reported under my name on XXXX XXXX XXXX. This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.
Product: Consumer Loan

My wife had a XXXX and paid the bills late for XX/XX/XXXX/XX/XX/XXXX. Onemain Financial was notified. They were also notified to only call my cell. XXXX called my work, all XXXX references listed and left personal information on my friends and families voicemail. It was both crazy and psychotic. The more you said do n't do that ... The more aggressive she became. My family friends and co-workers felt harassed and I am embarrassed over 2 weeks!!
Product: Mortgage

I am writing to lodge a formal complaint against Shellpoint Mortgage Servicing for its alarming and unfair practices during the COVID-19 forbearance period, as well as its improper foreclosure filing. This situation has placed an undue burden on me, and I believe Shellpoint Mortgage Servicing has violated key regulations set forth by your agency. 

During the COVID-19 forbearance, I entered into an agreement with Shellpoint Mortgage Servicing to temporarily pause my mortgage payments due to pandemic-related financial challenges. Despite my willingness and ability to make payments, I encountered significant barriers intentionally set by Shellpoint Mortgage Servicing. Specifically, the company has a practice of not allowing online payments, a crucial method that many homeowners rely on. Moreover, Shellpoint Mortgage Servicing failed to proactively provide viable options for making payments or communicate the end of the forbearance period. 

In my attempts to address these issues, I communicated both in writing and over the phone with Shellpoint Mortgage Servicing, explicitly stating my challenges with making online payments. Unfortunately, Shellpoint Mortgage Servicing did not take appropriate steps to accommodate my needs or provide any alternative solutions nor the necessary information to avoid potential negative consequences. 

To my dismay, I discovered that Shellpoint Mortgage Servicing improperly reported my account as past due and initiated foreclosure proceedings against my property. This unjust action has not only damaged my credit but has added an unnecessary burden on homeowners like myself who are fully capable and willing to make payments but face intentional barriers set by the lender.

I am formally requesting that the Consumer Financial Protection Bureau thoroughly review this matter and take decisive action to ensure Shellpoint Mortgage Servicing complies with your agency 's guidelines. This practice not only jeopardizes the financial well-being of homeowners but also goes against the spirit of the protections put in place during the COVID-19 pandemic.

Enclosed with this complaint, you will find relevant documentation, including records of communication with Shellpoint Mortgage Servicing, foreclosure notices, and any other pertinent information that may assist in your investigation. 

I implore the Consumer Financial Protection Bureau to intervene and address these unjust practices promptly. Your attention to this matter is crucial in protecting the rights and financial stability of homeowners facing challenges during these unprecedented times.
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX WA 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
Product: Credit card or prepaid card

On XXXX XXXX my account was closed with Chime with XXXX balance remaining in my saving account due to suspicious activities they say I have sent copy of my social security card birth certificate copy of my identification and proof of my income still havent received my money back I been trying to get my money back still havent received nothing so I am turning to you for help this issue resolved and get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam I recently received a response to a dispute ( see below ) that I made under FCRA 611 ( a ) regarding erroneous items on my credit report. It saddened me to learn that you somehow verified the disputed item, electing to leave them on my report.

Not only is your reporting incorrect but the lack of clarity in the report you sent me was disturbing at best. It seems you went out of your way to make it as unclear and as convoluted as possible. The stack of documents you sent contain a whole lot of useless information that doesn't help and was purposely made extremely hard to read.

I am absolutely certain that the items I disputed are incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

Also I need an explanation as to why my credit score suddenly went down by more than XXXX points immediately after my dispute with no changes to my credit report. My credit monitoring service was unable to give me any sort of explanation, therefore I am curious to hear your reasons in your reply. 

It seems that you are failing at the mission you were entrusted with, because of the countless glitches and mistakes that we've been subjected to by your organization. For the record, I am for one paying more than {$6000.00} extra for my car loan because of the erroneous low score that was provided by Equifax when I purchased my car. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, The Items in question are as follows : XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX  # * XXXX & * XXXX XXXX. XXXX XXXX XXXX # * XXXX XXXX. XXXX XXXX  XXXX XXXX  # XXXX ( account is reported twice and too old to remain on my credit report ) XXXX. XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

A debt collection agency called Unifin keeps contacting my family members. Even though I told them not to do that, they continue to. Im not sure how they were able to get the contact info of my parents, siblings, and cousins, but its becoming to feel like harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my written request to delete the fraudulent hard inquiries. I was looking through my credit report, and I noticed unauthorized inquiries. Someone was trying to get a loan on my name. The thing is I did not sign nor authorize any of the loans. 

The below is my sworn statement concerning these credit issues. 

It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

Since it violates my privacy rights, I am requesting you to remove the hard inquiries listed below from my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Your immediate attention in this difficult situation will be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a inquiry on my credit report that I don't have an account with, nor authorized to pull my credit file, as I do have a fraud alert on my Experian file. I did not authorize this inquiry. The inquiry is by " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Contact : XXXX XXXX XXXX XXXX '' dated XX/XX/2019.